Loading...
HomeMy WebLinkAbout2025-08-14 HRA Meeting Packet Meeting location: Edina City Hall Council Chambers 4801 W. 50th St. Edina, MN Housing & Redevelopment Authority Meeting Agenda Thursday, August 14, 2025 7:30 AM Participate in the meeting: Watch the meeting on cable TV or YouTube.com/EdinaTV. Provide feedback during Community Comment by calling 312-535- 8110. Enter access code 2867 608 6029. Password is 5454. Press *3 on your telephone keypad when you would like to get in the queue to speak. A staff member will unmute you when it is your turn to speak. Accessibility Support: The City of Edina wants all residents to be comfortable being part of the public process. If you need assistance in the way of hearing amplification, an interpreter, large-print documents or something else, please call 952-927- 8861 at least 72 hours in advance of the meeting. 1. Call to Order 2. Roll Call 3. Pledge of Allegiance 4. Approval of Meeting Agenda 5. Community Comment During "Community Comment," the Chair will invite residents to share issues or concerns that are not scheduled for a future public hearing. Items that are on tonight's agenda may not be addressed during Community Comment. Individuals must limit their comments to three minutes. The Chair may limit the number of speakers on the same issue in the interest of time and topic. Individuals should not expect the Chair or Commissioners to respond to their comments tonight. The Chair will respond to questions raised during Community Comments at the next meeting. 5.1. Executive Director's Response to Community Comments 6. Adoption of Consent Agenda All agenda items listed on the Consent Agenda will be approved by one motion. There will be no separate discussion of items unless requested to be removed by a Commissioner. If removed the item will be considered immediately following the adoption of the Consent Agenda. (Favorable roll call vote of majority of Commissioners present to approve, unless otherwise noted in consent item.) 6.1. Resolution 2025-04: Authorization to Transfer Property located at 5146 Eden Avenue to City of Edina Page 1 of 166 6.2. May 29, 2025 Special Work Session Minutes June 10, 2025 Special Meeting Minutes June 12, 2025 Regular Meeting Minutes July 24, 2025 Special Meeting Minutes 7. Reports/Recommendations: (Favorable vote of majority of Commissioners present to approve except where noted) 7.1. Recommending development team for property at 5146 Eden Avenue 7.2. Resolution 2025-05: Approving Interfund loan to Eden Willson TIF District for use in Roadway and Bridge Improvements 7.3. Amend Redevelopment Agreements with Edina Enclave, LLC and Lifestyle Communities, LLC pertaining to 7235 France Avenue. 8. Executive Director Comments 8.1. SPARC Program Update 9. HRA Member Comments 10. Adjournment Page 2 of 166 d ITEM REPORT Date: August 14, 2025 Item Activity: Approve Meeting: Housing & Redevelopment Authority Agenda Number: 6.1 Prepared By: Bill Neuendorf, Economic Dev Mgr Item Type: Report & Recommendation Department: Community Development Item Title: Resolution 2025-04: Authorization to Transfer Property located at 5146 Eden Avenue to City of Edina Action Requested: Approve Resolution 2025-04 authorizing the transfer of property at 5146 Eden Avenue to the City of Edina. Information/Background: This property has been owned by the City or the Housing and Redevelopment Authority (HRA) since 1962. It has been exempt from property taxes since that time. The HRA recently reviewed several offers to purchase the site and redevelop it for a combination of housing and commercial uses. The HRA has identified a development team that it recommends to purchase and redevelop the site. Before a purchase contract is prepared, the HRA chooses to return ownership of the property to the City. This transfer is for a nominal amount and done in accordance with applicable Minnesota statutes that govern the sale, purchase and transfer of real estate owned by a public entity. This transfer is desired so that when the property is sold to a private developer, the sales proceeds will be directed to the City of Edina. This new revenue will benefit the City's general fund. This is the first in a two-step process. After the HRA formally authorizes the transfer, the City of Edina will be asked to accept the transfer. This step is anticipated to occur on August 19th, 2025. The City attorney has prepared and reviewed this resolution. Staff recommends that Resolution 2025-04 be approved. Resources/Financial Impacts: This transfer will lead to a positive impact in the City's budget after the property is sold to a private owner in the future. Relationship to City Policies: Budget Values and Pillars Supporting Documentation: 1. HRA Res 2025-04 - transfer property from HRA to City 8-14-2025 Page 3 of 166 EDINA HOUSING AND REDEVELOPMENT AUTHORITY RESOLUTION 2025-04 APPROVING THE CONVEYANCE OF PROPERTY AT 5146 EDEN AVENUE TO THE CITY OF EDINA WHEREAS, the property commonly referred to as 5146 Eden Avenue and legally described on the attached Exhibit “A” (“Subject Property”) was formerly used as the municipal public works maintenance facility for the City of Edina from 1962 until this municipal function outgrew the site and was relocated in 2012; and WHEREAS, the Edina Housing and Redevelopment Authority (“HRA”), acquired an interest in the property from the City of Edina (“City”) in 2021 to study re-use alternatives, solicit input from the real estate development community, consider design alternatives and solicit input from the general public to facilitate the redevelopment of the site; and WHEREAS, The City executed a quit claim deed for the Subject Property to the HRA on February 22, 2021 recorded with Hennepin County as Document Number 5857482; and WHEREAS, the HRA solicited redevelopment proposals including purchase terms for the site in March 2025, reviewed eleven (11) proposals in May 2025 and interviewed five development teams in July 2025; and WHEREAS, the HRA is prepared to recommend a preferred development team who is believed to offer the best terms and the best project for the site; and WHEREAS, the City is considering a future sale of the Subject Property for a privately redeveloped mixed-use project likely to include multi-family housing, commercial use(s) and outdoor walkways and spaces available to the general public; and WHEREAS, to facilitate the future sale of the Subject Property for private redevelopment, the HRA proposes to convey the Subject Property back to the City for the purpose identified above; NOW, THEREFORE, BE IT RESOLVED by the Edina Housing and Redevelopment Authority as follows: 1. Authorizing conveyance of the Subject Property to the City of Edina by Quit Claim Deed; Page 4 of 166 HRA Resolution 2025-04 Page 2 2. Authorizing the Chairperson and Executive Director of the HRA to execute all necessary documents to facilitate and complete the conveyance of the Subject Property. ADOPTED this ________ day of August, 2025, by the Edina Housing and Redevelopment Authority. ATTEST: _______________________________ James B. Hovland, Chair _______________________________ James Pierce, Secretary STATE OF MINNESOTA) COUNTY OF HENNEPIN) SS CITY OF EDINA ) CERTIFICATE OF EXECUTIVE DIRECTOR I, the undersigned duly appointed and acting Executive Director for the Edina Housing and Redevelopment Authority do hereby certify that the attached and foregoing Resolution is a true and correct copy of the Resolution duly adopted by the Edina Housing and Redevelopment Authority at its Regular Meeting of August 14, 2025, and as recorded in the Minutes of said Regular Meeting. WITNESS my hand and seal of said City this ______________ day of ___________________, 2025. _______________________________ Scott Neal, Executive Director Page 5 of 166 HRA Resolution 2025-04 Page 3 EXHIBIT “A” Legal Description of HRA Subject Property : Common Address: 5146 Eden Avenue, Edina Minnesota 55436 Parcel ID #s: 28-117-21-31-0014, 28-117-21-31-0015, and 28-117-21-31-0016 Legal Description: Lots 2, 3, 4, 5, 6, 7, 8, 9 and 10, and the East 90 feet of Lots 11 to 19 inclusive, all in Block 2, Grandview Heights, Hennepin County, Minnesota according to the recorded plat thereof; And That part of Government Lot 8, Section 28, Township 117, Range 21, lying North of the centerline of Eden Avenue and East of a line drawn parallel to the main track of the Minneapolis, Northfield and Southern Railway from a point on the North line of said Government Lot 8 distant 582 feet East from the Northwest corner of said Government Lot 8. Page 6 of 166 BOARD & COMMISSION ITEM REPORT Date: August 14, 2025 Item Activity: Approve Meeting: Housing & Redevelopment Authority Agenda Number: 6.2 Prepared By: Liz Olson, Administrative Support Specialist Item Type: Minutes Department: Community Development Item Title: May 29, 2025 Special Work Session Minutes June 10, 2025 Special Meeting Minutes June 12, 2025 Regular Meeting Minutes July 24, 2025 Special Meeting Minutes Action Requested: Provide the action requested. Information/Background: Approve meeting minutes. Supporting Documentation: 1. May 29, 2025 Special Work Session Minutes 2. June 10, 2025 Special Meeting Minutes 3. June 12, 2025 Regular Meeting Minutes 4. July 24, 2025 Special Meeting Minutes Page 7 of 166 Page 1 MINUTES OF THE SPECIAL WORK SESSION MEETING OF THE EDINA HOUSING AND REDEVELOPMENT AUTHORITY MAY 29, 2025 7:30 A.M. I. CALL TO ORDER Chair Hovland called the meeting to order at 7:31 a.m. then explained the processes created for public comment. II. ROLLCALL Answering rollcall were Chair Hovland, Commissioners Agnew, Jackson, Pierce, and Risser. Absent: None. III. MEETING TOPICS III.A. FUTURE DIRECTION FOR AFFORDABLE HOUSING IN EDINA Affordable Housing Development Manager Hawkinson stated that the reason for this discussion is for the HRA to direct staff on what needs to be done to accomplish their goals. She highlighted specific topics discussed at the past two work sessions on this topic, including policies and plans, an increase in housing units needed to maintain the population, benefits of creating affordable housing, what the City can and cannot control, and levels of senior housing. The Board stated that there was an HRA member response from the February meeting that is not recognized in this presentation, which included discussion on how they should move forward regarding financing and other topics. The Board asked questions regarding pre-Covid numbers, affordable housing for families only, and Federal Housing laws. The Board expressed concerns about ensuring compliance. Staff led an activity where the HRA members wrote down what progress toward affordable housing goals looks like to them, what residents they want to retain, and what residents they want to attract to Edina. Community Development Coordinator Lewis discussed the themes in the responses received regarding the three questions. Staff led another activity where they gave the HRA members red dots to place into boxes that represent different housing types, based on the needs and desires in the City. The Board discussed where their dots should be placed based on what is feasible, ADA accessibility. Affordable Housing Development Manager Hawkinson discussed workforce housing options, retaining seniors in the community, and the connection between land use/zoning and retention for seniors. The Board gave feedback regarding prioritizing bringing families into the school district, encouraging single-family housing options, providing the most housing options they can in the community, making affordability across Edina better, and the need for income variety in the City. The Board discussed looking at the market and what they have to serve the members of Edina, bringing houses at or below the median market value to better serve Edina residents, Page 8 of 166 Minutes/HRA/May 29, 2025 Page 2 resources/partners to encourage keeping affordable houses, and who they should be thinking about when trying to solve the affordable housing issue. The Board asked about the successes in affordable housing units and if stand-alone buildings or market-rate buildings at a percentage more successful. The Board asked for more information regarding the rent differentials between people in market- rate buildings at a lower rent vs what someone else would pay for that unit. Sustainability Manager Bayer thanked the Board for their discussion and all the ideas and the tangible ways of moving towards success. IV. ADJOURNMENT The meeting was adjourned at 8:57 a.m. Respectfully submitted, Scott Neal, Executive Director Page 9 of 166 Page 1 MINUTES OF THE SPECIAL MEETING OF THE EDINA HOUSING AND REDEVELOPMENT AUTHORITY JUNE 10, 2025 4:00 P.M. I. CALL TO ORDER Chair Hovland called the meeting to order at 4:08 p.m. then explained the processes created for public comment. II. ROLLCALL Answering rollcall were Chair Hovland, Commissioners Agnew, Jackson, Pierce, and Risser. Absent: None. III. REPORTS/RECOMMENDATIONS III.A. MOTION TO CLOSE SESSION: AS PERMITTED BY MS. 13D.05 SUBDIVISION 3 TO REVIEW AND DISCUSS PROPOSALS FOR SALE OF LAND AT 5146 EDEN AVENUE – APPROVED Motion by Commissioner Jackson, seconded by Commissioner Agnew, to move into close session: as permitted by MS 13D.05 subdivision 3 to review and discuss proposals for sale of land at 5146 Eden Avenue. Ayes: Agnew, Jackson, Pierce, Risser, and Hovland Motion carried. III.B. MOTION TO MOVE BACK INTO OPEN SESSION The Board stated they met in closed session for approximately 90 minutes, and they will reconvene on the matter on July 24, 2025, where they have invited five of the RFP respondents to present to the HRA. IV. ADJOURNMENT Motion made by Commissioner Jackson, seconded by Commissioner Agnew, to adjourn the meeting at 5:41 p.m. Ayes: Agnew, Jackson, Pierce, Risser, and Hovland Motion carried. Respectfully submitted, Scott Neal, Executive Director Page 10 of 166 Page 1 MINUTES OF THE REGULAR MEETING OF THE EDINA HOUSING AND REDEVELOPMENT AUTHORITY JUNE 12, 2025 7:30 A.M. I. CALL TO ORDER Chair Hovland called the meeting to order at 7:31 a.m. then explained the processes created for public comment. II. ROLLCALL Answering rollcall were Chair Hovland, Commissioners Agnew, Jackson, and Risser. Absent: Commissioner Pierce III. PLEDGE OF ALLEGIANCE IV. MEETING AGENDA APPROVED – AS PRESENTED Motion by Commissioner Jackson, seconded by Commissioner Agnew, approving the meeting agenda as presented. Ayes: Agnew, Jackson, Risser, and Hovland Motion carried. V. COMMUNITY COMMENT No one appeared. V.A. EXECUTIVE DIRECTOR’S RESPONSE TO COMMUNITY COMMENTS Executive Director Neal responded there were no past Community Comments. VI. ADOPTION OF CONSENT AGENDA AS PRESENTED Motion by Commissioner Jackson, seconded by Commissioner Agnew, approving the consent agenda as presented: VI.A. DRAFT MINUTES OF REGULAR MEETING OF MAY 15, 2025 Ayes: Agnew, Jackson, Risser, and Hovland Motion carried. VII. REPORTS AND RECOMMENDATIONS VII.A. SALE OF REAL ESTATE AT 5146 EDEN AVENUE – PRESENTED Economic Development Manager Neuendorf presented an update on the potential sale of real estate at 5146 Eden Avenue. Economic Development Manager Neuendorf stated that they received 11 proposals and have reviewed them in closed sessions. On June 10, 2025, they identified the proposals that are more compatible with the City. Economic Development Manager Neuendorf noted that over the next week, staff will contact the desired development teams and invite them to come in and give a presentation on their proposals that will be open to the public. Tentatively scheduled for the morning of July 24, 2025. The Board asked if they could make the list of attributes in the RFP visible to the public sooner rather than later to gain public input. VII.B. FRANCE AVENUE PEDESTRIAN CROSSING PROJECT UPDATE – PRESENTED Economic Development Manager Neuendorf presented an update on the France Avenue pedestrian crossing, pursuing the under-the-road crossing rather than the over-the-road crossing. Page 11 of 166 Minutes/HRA/June 12, 2025 Page 2 Economic Development Manager Neuendorf presented information on the location, timeline, conceptual images of the existing sidewalks and trails, 2023 demographics, approved site plans for private developments at 7200, 7250, and 7235 France Avenue, function of the crossing as an extension of the promenade, and prior studies that recommend the pedestrian crossing. The Board gave a shout-out to their prior colleague, Kevin Staunton, who talked about the idea of a western promenade. Economic Development Manager Neuendorf played a video of the proposed France Avenue pedestrian underpass preliminary concept. Economic Development Manager Neuendorf noted that the interactions between e-bikes and pedestrians will need to be discussed in the future. The Board asked if there would be a public easement at the point where a pedestrian has a choice to leave the Nine Mile Creek trail. Economic Development Manager Neuendorf noted that they have secured public access rights to all these areas. The Board asked questions regarding the demographics of those who would be using the tunnel, connections with the new Fred Richards Park, medians depicted in the video, the width of the walkway, a tentative plan for next steps/milestones going forward, and traffic flow through the site. Economic Development Manager Neuendorf stated that they landed on approximately 33 feet wide for the crossing and noted that the wider they make it, the more it costs. VIII. EXECUTIVE DIRECTOR COMMENTS – Received VIII.A. LEGISLATIVE UPDATE – OMNIBUS TAX BILL VIII.B. EDEN WILLSON TIF DISTRICT – FINANCING UPDATE IX. HRA MEMBER COMMENTS X. ADJOURNMENT Motion made by Commissioner Jackson, seconded by Commissioner Agnew, to adjourn the meeting at 8:39 a.m. Ayes: Agnew, Jackson, Risser, and Hovland Motion carried. Respectfully submitted, Scott Neal, Executive Director Page 12 of 166 Page 1 MINUTES OF THE REGULAR MEETING OF THE EDINA HOUSING AND REDEVELOPMENT AUTHORITY JULY 24, 2025 7:00 A.M. I. CALL TO ORDER Chair Hovland called the meeting to order at 7:00 a.m. II. ROLLCALL Answering rollcall were Chair Hovland, Commissioners Agnew, Jackson, and Risser. Absent: Commissioner Pierce III. PLEDGE OF ALLEGIANCE IV. MEETING AGENDA APPROVED – AS PRESENTED Motion by Commissioner Jackson, seconded by Commissioner Agnew, approving the meeting agenda as presented. Ayes: Agnew, Jackson, Risser, and Hovland Motion carried. V. DEVELOPER PRESENTATIONS V.A. SALE AND REDEVELOPMENT OF PROPERTY AT 5146 EDEN AVENUE – STAFF OVERVIEW Economic Development Manager Neuendorf stated that 11 real estate development teams submitted proposals to purchase the property and pursue full redevelopment of the vacant site. The five teams whose proposals are best aligned with the redevelopment goals for the site have been invited to refine their proposals and present their offers to the HRA Board for consideration. The presentations will be made in a public setting. Each team will have 30 minutes to present, with a brief intermission between teams. V.B. PRESENTATION BY HEMPEL REAL ESTATE, MONARCH DEVELOPMENT PARTNERS, JESTER CONCEPTS, AND ROKOS ADVISORS Bill Katter, President of Hempel Real Estate, introduced his team and briefly explained their prior history with rental and for-sale units. Mr. Katter presented their Grandview Development proposal, which includes townhomes, condos, and retail. Mr. Katter discussed their 6 building clusters and how they hope to create a more neighborhood feel than the typical townhouse feel. Carl Runck, Monarch Development Partners, presented the Monarch Select project experience, Grandview concept site plan, and proposed parking deck. Brent Frederick, Jesters Concepts, presented details for the restaurant proposal on the site. Pete Kostroski, Rokos Advisors, expressed his excitement for the potential of this site. The Board asked questions regarding family-friendly restaurant types, phases, finances, time frame, parking, amount of permeable surface, and environmental considerations. Mr. Katter stated that if the market pivots, the development could be split into two, with the restaurant and the northern buildings broken up. Mr. Katter stated that the hope would be to have the first phase completed in 3 years. Page 13 of 166 Minutes/HRA/July 24, 2025 Page 2 The Board gave positive feedback regarding the entrance and for-sale units. V.C. PRESENTATION BY OPUS DEVELOPMENT COMPANY Nick Murnane, Opus Development, presented an overview of their housing and retail proposal and the density on the site. Bob Loken, ESG Architects, discussed their vision behind creating variety and unique architecture for their proposal. The Board asked questions regarding price point, financing, permeable surface, sustainability aspects, rental/ownership options, and activation on the site. Mr. Loken discussed different sustainability aspects that they would hope to put into place. Mr. Murnane stated that they felt that having the commercial in the north of the site was their best fit due to parking challenges. The Board gave feedback regarding the central green, scale, and trail connection through the site. V.D. PRESENTATION BY NOOR COMPANIES AND WELLINGTON MANAGEMENT Nawal Noor, Noor Companies, introduced her team members, Steve Wellington, Casey Dzieweczynski, and Pete Keely. Ms. Noor presented their vision for the Grandview site proposal, including their site plan. Mr. Keely discussed the strategies to build community, attainable townhomes, multifamily building, commercial piece, and public piece. Mr. Dzieweczynski stated that their team has worked on over 500 housing units and is excited about this potential project. The Board asked questions regarding the source of funds, affordability, adding more green space, opportunities for more commercial or community engagement, and price point. Mr. Keely stated that they would be happy to look at including more community engagement and added that they are at 25% pervious surface. Mr. Dzieweczynski stated that for a 1-bedroom, they are looking at a $1,600-1,800 range. Ms. Noor thanked the HRA for allowing them to present and is looking forward to the potential. V.E. PRESENTATION BY LIFESTYLE COMMUNITIES AND RONCLARK CONSTRUCTION Ben Landhauser, Lifestyle Communities, presented their proposal highlights for their walkable mixed-residential development. Mr. Landhauser discussed public interaction, access and street activation, perspective renderings, cooperative building composition, and a mixed-income approach to ownership. Mike Waldo, Ron Clark Construction, presented the stack flat concept, flat building composition, and expressed their desire to get the job done. The Board expressed concerns regarding the pedestrian bridge on the northern side. Page 14 of 166 Minutes/HRA/July 24, 2024 Page 3 The Board asked questions regarding the permeable surface, sustainability, and their experience. commercial uses, and underground parking. Mr. Landhauser stated that they locally source things, and their environmental conditions are very intentional. V.F. PRESENTATION BY ONWARD INVESTORS, EBENEZER HOMES, LEAP DEVELOPMENT, AND SETT PROPERTIES Chris Osmundson, Onward Investors, presented their proposal for Grandview Terrace at Arcadia including information regarding Edina’s goals and their team. Chris Palkowitsch, BKV Architects, presented information regarding the Grandview Plan guiding principals, design concept, key features, and organization. Mr. Osmundson discussed the financials, proposal, concepts, and project benefits. Mr. Osmundson introduced Onward Investors, Susan Farr introduced Ebenezer, Josh Cowman introduced and discussed the history of Leap Development, Lamar Newburn introduced SETT Properties, Stephen Rowe introduced Underdog Hospitality and their food and beverage Concept for this project, and Mike Krych introduced BKV Architects and assured the HRA that they deliver on promises and realize Edina’s goals and objectives. The Board asked questions regarding the pervious surface, the square footage of the affordable housing units, event center, and timeline for completion. Mr. Osmundson stated that they would like to utilize a public and private endeavor for the event center. Mr. Osmundson stated that the timeline for opening everything in quarter 1 of 2028 is realistic. V.G. MOTION TO CLOSE SESSION Motion by Commissioner Jackson, seconded by Commissioner Agnew, to move into close session as permitted by MS. 13D.05 subdivision 3 to review and discuss proposals for sale of land at 5146 Eden Avenue at 10:07 a.m. Ayes: Agnew, Jackson, Risser, and Hovland Motion carried. V.H. MOTION TO MOVE BACK INTO OPEN SESSION Motion by Commissioner Jackson, seconded by Commissioner Agnew, to move back into open session at 11:20 a.m. Ayes: Agnew, Jackson, Risser, and Hovland Motion carried. VI. EXECUTIVE DIRECTOR COMMENTS – None. VII. HRA MEMBER COMMENTS – Chair Hovland noted the Board had discussed the five proposals in closed session and directed staff to begin discussions with one of the development teams. VIII. ADJOURNMENT Motion by Commissioner Jackson, seconded by Commissioner Agnew, to adjourn the meeting at 11:24 a.m. Ayes: Agnew, Jackson, Risser, and Hovland Page 15 of 166 Minutes/HRA/July 24, 2025 Page 4 Motion carried. Respectfully submitted, Scott Neal, Executive Director Page 16 of 166 d ITEM REPORT Date: August 14, 2025 Item Activity: Approve Meeting: Housing & Redevelopment Authority Agenda Number: 7.1 Prepared By: Bill Neuendorf, Economic Dev Mgr Item Type: Report & Recommendation Department: Community Development Item Title: Recommending development team for property at 5146 Eden Avenue Action Requested: Recognize the development team consisting of Hempel Real Estate, Monarch Development, Jester Concepts and Rokos Advisors as the recommended development team to purchase and redevelop vacant property located at 5146 Eden Avenue and authorize staff to prepare sales agreement for future consideration. Information/Background: This item pertains to the future sale and redevelopment of vacant property located at 5146 Eden Avenue. A staff report with background information is attached. Resources/Financial Impacts: • Budget – was it budgeted? If not, what are the impacts? • Implementation – how/who will implement this and what are the impacts? • Operation – how/who is going to maintain this and what are the impacts? Relationship to City Policies: List policies, strategic plans, work plans, etc related to this item. i.e. Comp plan, CAP, CIP Supporting Documentation: 1. Staff Presentation 5146 Eden - recommended developer 8-14-2025 2. Staff Report 5146 Eden recommended development team 8-14-2025 3. 1 Hempel - Monarch - Jester - Rokos - 5146 Eden presentation 7-24-2025 lo 4. 5146_Eden_-_evaluation_factors_6-10-2025 5. Housing RFP 5146 Eden Ave March 2025 Page 17 of 166 5146 Eden Avenue Recommended Development Team Presentation to: Edina Housing & Redevelopment Authority August 14, 2025 Prepared by: Bill Neuendorf, Economic Development Manager Page 18 of 166 Recommend Development Team for 5146 Eden Ave Site - Summary HRA issued Request for Proposal (RFP) in March 2025 that identified a variety of potential goals for the site HRA considered eleven (11) proposals and evaluated the proposed outcomes and likelihood for prompt action. A development team that can deliver multiple goals on the site should be identified so that contract can be prepared for formal consideration. With a developer identified, the HRA can return the property to City ownership so that the sales proceeds benefit the City’s general fund. 2 _____________________ Housing & Redevelopment Authority Redevelo p-ment GoalsFiscal Goals Page 19 of 166 3-acre Opportunity Site for Redevelopment 3 _____________________ Housing & Redevelopment Authority Page 20 of 166 Eleven Proposals Considered 4 _____________________ Housing & Redevelopment Authority •Crowe Companies, Assembly MN •CSM Corporation •Gramercy Development, LLC •Hempel Real Estate, Monarch Development Partners, Jester Concepts, Rokos Advisors •Lifestyle Communities, RonClark Construction •Noor Companies, Wellington Management, Inc. •Onward Investors, LLC, Ebenezer Homes, Leap Development, SETT Partners •Opus Development Company, LLC •Real Estate Equities •Roers Companies •Sherman Associates, Twin Cities Habitat for Humanity Page 21 of 166 Eleven Proposals included many types of Projects: 5 _____________________ Housing & Redevelopment Authority •senior cooperative •townhouses (ownership and rental) •rowhouses (rental) •condominiums •senior apartments •family apartments •general purpose apartments (all- ages) •professional office •commercial (retail, restaurant, events or service) •Affordable housing •Attainable housing •Market rate housing •Luxury housing •Mixed-income housing •Land Prices ranged from $1+ to nearly $6 million •Proposed density ranged from 20 to 72 units per acre (all within Comp. Plan limits) Page 22 of 166 6 5146 Eden Avenue – Evaluation Factors Budget Pillars Strong Foundation:   Maintain physical assets and infrastructure  Reliable Service: Maintain service levels that best meet community needs Livable City: Plan for connected and sustainable development  Better Together: Foster an inclusive and engaged community  Budget Values guide decision- making Stewardship: We make wise investments that focus on the best long-term value for residents. Equity: provide equitable opportunities for people to participate in their City government and access City institutions, facilities, and services. Health: use a Health-in-All Policies approach (HiAP) to promote and protect the physical, mental, and social wellbeing of all people who live, work, or visit Edina. Sustainability: … policies, decisions, and  plans have a positive impact on people and the planet now and for future generations. 6 Page 23 of 166 7 5146 Eden Avenue – Evaluation Factors C) Estimated Land Value •Unrestricted one-time revenue •Need for City funding (TIF, etc) D) Closing the Deal •Likelihood that external funding can be secured •Likelihood that land can be sold in timely fashion A) Compatibility with HRA Vision •Grandview 7 Guiding Principles •Comprehensive Plan •Priorities expressed in RFP B) Community Impact •Fiscal impact •Overall impact •Would you be proud to see completed 7 Page 24 of 166 8 5146 Eden Avenue – Evaluation  Factors HRA Board identified multiple priorities to pursue; not all can be achieved simultaneously: q Grandview 7 Guiding Principles q Home ownership opportunities q Affordability and Attainability q Commercial uses to supplement multi- family q Walkable and Connected q Scale and Massing q Outdoor green space q Efficient parking q Highest reasonable land value q Close in a reasonable time-frame What are the HRA’s highest priorities? Which buyers can best deliver an acceptable balance of priorities? Accomplishments Compromises 8 Page 25 of 166 Recommended Development Team 9 _____________________ Housing & Redevelopment Authority Page 26 of 166 Conceptual Site Plan & Reference Images 10 _____________________ Housing & Redevelopment Authority Page 27 of 166 Anticipated Development Program 11 _____________________ Housing & Redevelopment Authority Page 28 of 166 Benefits and Desired Outcomes of Redevelopment 12 _____________________ Housing & Redevelopment Authority •Ownership housing units •variety of market-rate and affordable price points •10% of housing units affordably priced •sold to households earning 80% of AMI •Missing middle scale •townhouses and modestly scaled condominium building •New commercial space •provide goods and services •New sidewalks, landscaping, and outdoor spaces •improve walkability and livability Page 29 of 166 Benefits and Desired Outcomes of Redevelopment, continued 13 _____________________ Housing & Redevelopment Authority •Strong purchase price ($4 million) •Ability to privately finance using traditional debt and equity •Contribution to Parks & Recreation fund •mandatory Park Dedication Fees (approx. $300,000 to $400,000) •Contribution to City’s water and sewer funds  •mandatory development fees (approx. $350,000 to $400,000) •Conversion of tax-exempt property to ‘taxable’ •Strong increase to property tax base •estimated new market value $100+ million •Strong ability to contribute to the tax rolls of the City, Schools, County and State •After stabilization, site expected to contribute approx $500k property taxes to the City.Page 30 of 166 Next Steps •Site ownership transferred from HRA to City of Edina •Staff and City Attorney to prepare sales agreement •Potential sale presented to Planning Commission for opinion regarding alignment with Comprehensive Plan •Sales Agreement to be considered by City Council •Developer to pursue re-zoning and/or site plan approvals using Edina’s  standard development review process •Includes sketch plan, preliminary and final zoning steps with multiple public hearings and ability for community input •Developer to secure private financing and acquire ownership of land •Developer to construct the approved buildings 14 _____________________ Housing & Redevelopment Authority Page 31 of 166 HRA Recommendation 15 _____________________ Housing & Redevelopment Authority Recognize the development team consisting of Hempel Real Estate, Monarch Development, Jester Concepts and Rokos Advisors as the recommended development team to purchase and redevelop vacant property located at 5146 Eden Avenue and authorize staff to prepare sales agreement for future consideration. Page 32 of 166 City of Edina • 4801 W. 50th St. • Edina, MN 55424 Information / Background: Summary Several proposals have been received to purchase and redevelop the 3-acre vacant property located at 5146 Eden Avenue. Five of the teams that were best aligned with the broad goals for the site were invited to present their proposals in person on July 24, 2025. After review and consideration of all proposals, the HRA recommends that a team consisting of Hempel Real Estate, Monarch Development, Jester Concepts and Rokos Advisors be named as the preferred developer for the site. Based on this recommendation, a contract will be presented to the City Council for formal consideration in the near future. Background Based on preferences expressed by the HRA Board and guidance from the Comprehensive Plan and Grandview Development Framework, a Request for Proposals (RFP) was prepared and released on March 3, 2025 to solicit interest from the real estate community to purchase and redevelop this vacant property. The RFP document prioritized ownership housing and missing middle type housing along with new commercial space arranged to improve walkability in the area. The RFP and summary of evaluation factors are included in the meeting packet for reference. Several proposals considered Proposals to purchase the site were received by eleven different teams. The teams included: • Crowe Companies, Assembly MN • CSM Corporation Date: August 14, 2025 To: Chair and Commission Members of Edina HRA From: Bill Neuendorf, Economic Development Manager Subject: 5146 Eden Avenue – Recommended Development Team Page 33 of 166 5146 Eden Avenue – Recommended Development Team Staff Report Page 2 • Gramercy Development, LLC • Hempel Real Estate, Monarch Development Partners, Jester Concepts, Rokos Advisors • Lifestyle Communities, RonClark Construction • Noor Companies, Wellington Management, Inc. • Onward Investors, LLC, Ebenezer Homes, Leap Development, SETT Partners • Opus Development Company, LLC • Real Estate Equities • Roers Companies • Sherman Associates, Twin Cities Habitat for Humanity All proposals were responsive to the broad range of preferences identified in the RFP and were prepared by experienced developers. The proposed land prices ranged from more than $1 million to nearly $6 million. The proposals included many different types of housing and commercial spaces including: senior cooperative, townhouses (ownership and rental), rowhouses (rental), condominiums, senior apartments, family apartments, general purpose apartments (all-ages), professional office, commercial (retail, restaurant, events or service) The proposals included a broad range of price-points for new housing at this site, including: low- and moderate- income households (ie. Affordable), moderate income (ie attainable), and high to very-high income (market rate). The five teams whose proposals appeared to be best aligned with the goals identified in the RFP presented their proposals to the HRA Board on July 24, 2025. After the presentations, the HRA Board discussed the possible outcomes, benefits and risks of each of the proposals. Identifying preferred outcomes While several of the finalists made compelling offers, the team consisting of Hempel Real Estate, Monarch Development, Jester Concepts and Rokos Advisors submitted a proposal that can simultaneously achieve an outstanding balance of desirable outcomes on the site. Their proposal includes missing-middle scale ownership housing (townhouses and condominiums) that is rarely being constructed in Edina and also includes a highly visible commercial building intended to include a family-friendly sit down restaurant with both indoor and outdoor dining. The general scale appears reasonable and within the guided density identified in Edina’s Comprehensive Plan. This team’s proposal also includes other desirable outcomes: - Ownership housing units at a variety of market-rate and affordable price points Page 34 of 166 5146 Eden Avenue – Recommended Development Team Staff Report Page 3 - 10% of housing units will be priced and sold to households earning 80% of the Area Median Income (AMI) - Missing middle scale focused on townhouses and modestly scaled condominium building - New commercial space to provide goods and services in the Grandview commercial district - New sidewalks, landscaping, and outdoor spaces to improve the walkability and livability of the area - Strong purchase price for land ($4 million) - Ability to privately finance using traditional debt and equity - Significant financial contribution to Parks & Recreation fund with mandatory Park Dedication Fees (approx. $300,000 to $400,000) - Significant financial contribution to City’s water and sewer funds with mandatory development fees (approx. $350,000 to $400,000) - Conversion of tax-exempt property to ‘taxable’ - Strong increase to property tax base, estimated new market value of more than $100 million - Strong ability to contribute to the tax rolls of the City, Schools, County and State, upon completion and stabilization. After stabilization, the site is expected to contribute approximately $500,000 of property taxes to the City. Based on this combination of anticipated outcomes, the HRA recommends that the team consisting of Hempel Real Estate, Monarch Development, Jester Concepts and Rokos Advisors be recognized as the “preferred development team” for the site. Based upon this recommendation, a purchase contract will be presented to the City Council for formal consideration. After execution of the purchase contract, the developers will be required to obtain zoning and land use entitlements for the site using the City’s standard development review process. Attachments: Hempel Team development proposal, July 2025 Request for Proposals, March 2025 Evaluation Factors, June 2025 Page 35 of 166 GRANDVIEWREDEVELOPMENT TOWNHOMES + CONDOS + RETAILRESPONSE TO RFP Page 36 of 166 Founded in 2001, Hempel Real Estate has earned a reputation for bringing dynamic and fresh vision to real estate investment. The Hempel approach, coupled with a proven track record of successful turnaround strategies, breathes new life into premier properties and sites in the Midwest. Hempel specializes in turnaround projects and new and re-use development properties with a focus on retail, office, and multi-family. Services include in-house development, design and construction, investor relations, accounting, property management, capital markets and brokerage. About Hempel Real Estate $850 Million+ 4,000,000+ SF Current assets under ownership Total portfolio size 1,450 Units Developed 21 Senior Condos Developed 2,000+ units from 2015-2025 Twin Cities, Bloomington, Roseville,Minnetonka, Chanhassen, Edina, and Duluth Hempel Development Team Prior Experience 3,000 UnitsDeveloped 2,000 UnitsOwned Page 37 of 166 Hempel Team Experience Page 38 of 166 About Monarch Development Partners Monarch Development Partners is owned and led by experienced local sponsor Carl Runck. Bringing an extensive track record of over $500M in successful ground-up developments in walkable urban and suburban locations, Runck is recognized for effective collaborations with cities and design talent in shaping & delivering lasting results for all stakeholders. By focusing on residential, mixed-use development, Monarch creates living environments of the highest quality that complement the existing neighborhood. While serving on the Minneapolis Downtown Council board of directors, Runck spearheaded Housing Options Coalition condo legislation (amendments to the Minnesota Common Interest Ownership Act) that received bi-partisan supermajority approval in 2017, helping spur new owner- occupied housing options statewide. Monarch Development Select Prior Experience One West Drive, Excelsior – rowhomes, apartments, public parking & green space (49 units) > selected by City of Excelsior in RFP as public-private developer Maverick North Loop, Minneapolis* – rowhomes, apartments & retail (168 units) Victoria Downtown West, Victoria – condos, rowhomes, apartments, retail & public plaza (225 units) > selected by City of Victoria in RFP as public-private developer Lake Minnetonka Flats, Mound Harbor – condos (12 units) Eleven on The River, Minneapolis* – condos (120 units) *led and completed projects while at Ryan Companies US, Inc. $500 Million+ Projects Developed $200 Million+ Current Projects in Development 1,206 Units Developed 2M Gross SF Developed Page 39 of 166 Monarch Select Project Experience Page 40 of 166 Jester Concepts Experience Page 41 of 166 Grandview Concept Site Plan Page 42 of 166 Project Summary Anticipated Land Price Per Unit Anticipated # of Units Townhouse Buildings $50,000 32 Multi-Family Buildings $47,500 38 Commerical Use(s)$595,000 N/A Total Land Purchase Price $4,000,000 Commerical Use(s)Jester Concepts Restaurants and Events Approximate Size (sq ft)7,500 SF Total Units 80% AMI > 120% AMI Townhouse, for-sale 32 2 30 Condominium 38 5 33 Page 43 of 166 Marketability & Financing We are confident that the primary market area surrounding the Grandview redevelopment site in Edina, Minnesota, demonstrates strong supply-demand fundamentals to support the sale of approximately 70 townhome and condominium units. This confidence is grounded in the strength of Edina’s demographics, with our target buyer profile encompassing both families and empty nesters seeking high-quality housing in a desirable, well-established community. Marketability A 3 Party market study will be commisioned immediately upon selection. rd Financing Traditional bank financing with equity sources from Monarch and Hempel will be suitable for a development of this size. Development and financing may be phased in 2-3 tranches as required to support financing milestones. Page 44 of 166 Page 45 of 166 Potential sale of Real Estate at 5146 Eden Avenue Evaluation Factors Considered June 10, 2025 Other details of the proposals remain “non-public”at this time to uphold the Edina HRA’s ability to effectively negotiate for the best outcome if the property is sold to a private real estate development team. Page 46 of 166 The CITY ofEDINA 3 5146 Eden Avenue – Evaluation Factors Budget Pillars Strong Foundation: Maintain physical assets and infrastructure Reliable Service: Maintain service levels that best meet community needs Livable City: Plan for connected and sustainable development Better Together: Foster an inclusive and engaged community Budget Values guide decision-making Stewardship:We make wise investments that focus on the best long-term value for residents. Equity: provide equitable opportunities for people to participate in their City government and access City institutions, facilities, and services. Health: use a Health-in-All Policies approach (HiAP) to promote and protect the physical, mental, and social wellbeing of all people who live, work, or visit Edina. Sustainability: … policies, decisions, and plans have a positive impact on people and the planet now and for future generations. Page 47 of 166 The CITY ofEDINA 4 5146 Eden Avenue – Evaluation Factors C)Estimated Land Value •Unrestricted one-time revenue •Need for City funding (TIF, etc) D)Closing the Deal •Likelihood that external funding can be secured •Likelihood that land can be sold in timely fashion A)Compatibility with HRA Vision •Grandview 7 Guiding Principles •Comprehensive Plan •Priorities expressed in RFP B)Community Impact •Fiscal impact •Overall impact •Would you be proud to see completed Page 48 of 166 The CITY ofEDINA 5 5146 Eden Avenue – Evaluation Factors HRA Board identified multiple priorities to pursue; not all can be achieved simultaneously: Grandview 7 Guiding Principles Home ownership opportunities Affordability and Attainability Commercial uses to supplement multi- family Walkable and Connected Scale and Massing Outdoor green space Efficient parking Highest reasonable land value Close in a reasonable time-frame What are the HRA’s highest priorities? Which buyers can best deliver an acceptable balance of priorities? Accomplishments Compromises Page 49 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 1 EDINA HOUSING & REDEVELOPMENT AUTHORITY Request for Proposal Redevelopment Opportunity 5146 Eden Ave. Edina, MN 55436 INTRODUCTION The City of Edina and the Edina Housing and Redevelopment Authority (HRA) are seeking a creative and experienced developer(s) to construct new mixed housing/commercial project on a vacant 3-acre site in Edina’s Grandview District. This packet contains information to guide prospective developers as they prepare proposals to purchase and redevelop the site. Teams of developers are also welcome. The Edina HRA is open to reasonable offers that allow the preferred type of project to be built at the maximum land price to the City. The land will be sold in ‘as is’ condition subject to permanent easements for public outdoor areas and covenants for long-term affordability of some of the new housing units. Proposals are due by Monday April 21st, 2025 at 5:00 pm CST. Page 50 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 2 VISIONS FOR A VIBRANT NEIGHBORHOOD Several properties in the Grandview area were formerly used for industrial purposes. Over several decades, the neighborhood transitioned to a mixture of uses including office, retail, housing, institutional and civic. This trend is expected to continue when other sites transition. The City completed a community-based planning process to craft a long-term vision for the Grandview District. The resulting “Grandview Development Framework” established Seven Guiding Principles that are applied to new real estate projects. Key excerpts follow. Grandview Seven Guiding Principles 1) … create a vibrant and connected District that serves as a catalyst for high quality, integrated … development 2) …a neighborhood center with regional connections… 3) Turn perceived barriers into opportunities. Consider layering development over supporting infrastructure … 4) … pursue logical increments of change… to [create] a more vibrant, walkable, functional, attractive, and life-filled place. 5) Organize parking … link community parking to public and private destinations … 6) Improve movement within and access to the District for people of all ages … 7) Create an identity and unique sense of place that incorporates natural spaces … Page 51 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 3 The primary outcomes of the Grandview Development Framework include: • Support the “go to” auto-oriented uses (like grocery store, coffee shop and funeral home) while encouraging more “stay at” pedestrian-oriented uses (like new housing, new restaurants and new public space. • Recognize and respond to the need for a range of housing types. • Emphasize a pedestrian-oriented sense of place that produces an appropriate scale and function with a high degree of walkability. • Support economic growth and community stability by providing accessible and efficient connections between home, school, work, recreation and business destinations. Over the years, the Edina HRA has explored a variety of programs for the site. A new developer is sought for the 5146 site with the intention of breaking ground in 2026. GENERAL SITE INFORMATION • Approximately 3-acre vacant site • Parcel ID #s 28-117-21-31-0014, -0015 and -0016 • Northern edge of the site has been improved with public sidewalk and pedestrian bridge. These improvements will remain and will not be sold. • Previous storage/repair facility on the site was demolished in 2013 • Environmental studies identified remains of hydraulic fluid in limited areas of the southern portion of the site; other contaminants remediated in 2013 • Approx 34 ft elevation change from north to south property boundaries • Surrounded by commercial, multi-family and institutional users • Adjacent to Canadian Pacific Kansas City railroad tracks (aka Dan Patch line) • Adjacent to public parking garage • Easy access to and from Highway 100 • Currently zoned for industrial and guided for mixed uses • Property is currently owned by the Edina Housing & Redevelopment Authority (HRA); title will be transferred to City of Edina before purchase agreement executed with developer • Land sold in ‘as is’ condition. • Supplemental information is available online at www.edinamn.gov. Page 52 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 4 DESIRED TYPE OF REDEVELOPMENT Proposals should be primarily focused on new mixed use or residential development that creates a vibrant destination for residents, workers and guests. Proposals for industrial uses will not be accepted at this location. The proposal must complement the overall Grandview District taking the general vision expressed in the Guiding Principles into consideration. Recognize that the Development Framework establishes only a general vision and is not considered a mandatory blueprint. Ownership units preferred In the past decade, thousands of new rental apartment units have been constructed in Edina. At this location, there is a strong preference for other types of housing, especially ownership units like townhouses, condominiums or cooperatives. Proposals with primarily luxury and market- rate rental housing will be considered but are a low priority at this location. Creative types of housing proposals are preferred and encouraged. Examples include (but are not limited to): missing middle, townhouses, mixed-income, attainable, affordable, co-housing flats, courtyard buildings, passive house, smaller-scale apartments or condominium building(s), car-share program, limited equity models, community land trust model. Modest Living at a Range of Prices In this location, there is a preference for modest living arrangements to keep some of the unit prices low. Preference will be given to proposals that are skewed toward affordability and attainability instead of luxury while still being responsive to the marketplace. Commercial uses A combination of housing and commercial uses is strongly preferred, but not mandatory. Jester Concepts was formerly under contract to develop a new restaurant with indoor and outdoor seating on a portion of the site. Although the contract has expired, Jester still has interest to create a new restaurant in a portion of the site. Proposals that include Jester as a partner will be considered on the same basis as other potential commercial partners. Walkable and Connected The proposed site plan must create a walkable environment that provides convenient access routes for pedestrians and bicyclists to travel to, from and within the site. Scale and Massing While moderate levels of height and density are possible on this site, the City does not strive to maximize the height or density at this location. The public streets closest to the Eden/Arcadia intersection are preferred to be lined with lower height buildings (2-3 stories for Page 53 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 5 example). Additional height is acceptable and preferred in the western and northern portions of the site to avoid overwhelming the public streets. The layout and massing of new buildings must recognize the importance of the new sidewalk and pedestrian bridge at the northern edge of the site. This public route provides convenient access from the parking garage to the site. This public route must remain welcoming to guests and visitors after the site is developed. Outdoor Green Space A portion of the site should be arranged to provide a shared outdoor space for residents, guests and the general public. This could be arranged with a combination of landscaped and hardscaped areas. This outdoor space is anticipated to be privately owned and maintained and subject to a limited-access public use easement. There is no mandatory size or placement of this outdoor space. Additional outdoor spaces exclusively for residents and guests of the new building are also encouraged provided that a portion can be shared with the general public. Parking Private parking should be included on site to meet the market needs of the proposed project. The adjacent Grandview Parking Garage is owned by the City and available as a shared amenity to all surrounding properties. This public facility is frequently underutilized and has some availability during daytime hours (M-F) and is fully available on weekday evenings and weekends. This public garage is available for the limited shared use by guests, workers and customers. A new pedestrian bridge provides access from the site to the parking garage. ZONING AND PLANNING EXPECTATIONS The site is currently zoned Planned Industrial District (PID). In 2022, the site secured preliminary Planned Unit Development (PUD) rezoning that included a senior housing cooperative, full-service restaurant and public park. That PUD was not finalized. None of the pre-established zoning designations in Edina’s Zoning Code are suitable to achieve the development goals envisioned in the Grandview Development Framework. Thus, the pending PUD zoning is anticipated to be modified (or replaced) to reflect the preferred developers proposal. A brief and high-level summary of zoning regulations follows. Developers are strongly encouraged to conduct a full code review as part of their submission. Future Land Use Guidance (Comp Plan pg 3-30) Guided as “Mixed Use Center” - Primary uses: retail, office, service, multi-family residential and institutional - Vertical mixed use is encouraged - Create new pedestrian and streetscape amenities Page 54 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 6 - Encourage structured parking - Buildings may “step down” in height from intersections Residential Density (Comp Plan, pg 3-30) Guided for 20 to 100 dwelling units per acre depending on layout; acceptable density level determined using the PUD rezoning process; higher density levels require greater degrees of affordability Floor to Area Ratio Varies by land use, typically not applicable to multi-family residential Building Height (App. A Height Overlay District) Zoned for 4 stories or 48 ft based on HOD-4 overlay; could be modified using PUD rezoning process; height of adjacent Jerry’s office building typically recognized as acceptable limit for projects in this area Minimum Parking (Sec. 36-1311 to 36- 1326) Varies by land use; minimum requirements can be adjusted if justified by an independent Parking and Traffic Study as part of the PUD rezoning process; there is a public parking garage adjacent to the site Building Lot Coverage (Sec. 36-525) Varies by land use; can be adjusted using the PUD rezoning process provided that alternate provisions for storm water and landscaping are provided Setback Varies by land use and building height; at least 16-22 feet recommended from curb along Eden and Arcadia; sufficient width to accommodate fire department operations on other sides Sidewalks (Sec 36-1274) Complete sidewalks required along Eden and Arcadia; 5 ft minimum sidewalk with 5 ft landscaped boulevard Fire Department Access An alley or other access route is required for Fire Department access to the full site Architectural Design Not regulated; a variety of styles and massing including articulation and step backs is preferred Exterior Materials (Sec 36-618(11)) Not regulated; mixture or natural materials preferred, a variety of materials are acceptable using the PUD rezoning process Affordability At least 10% of all residential units must be priced as affordable to moderate-income households; a greater number of affordable and attainable units is strongly preferred but not mandatory APPLICABLE CODES, STANDARDS AND POLICIES All proposals are expected to comply with applicable codes and policies, including: • MN State Building Code • MN Accessibility Code • Americans with Disabilities Act (ADA) • Public Right-of-Way Accessibility Guidelines (PROWAG) Page 55 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 7 • Edina Zoning Code • Edina Affordable Housing Policy (2022, as revised) • Edina Sustainable Buildings Policy (2022, as revised) • Edina Grandview Development Framework • Edina Comprehensive Plan • Grandview Maintenance Assessment District ANTICIPATED SELECTION PROCESS The Seller anticipates a two-step selection process. Step 1: All proposals that are responsive to this RFP and received prior to the deadline will be evaluated by City staff and forwarded to the HRA Board and/or City Council members for consideration. Proposals will be evaluated on their (1) professional capabilities to complete the project, (2) compatibility with preferred project types and (3) anticipated land purchase price. The City officials will determine which responders, if any, will be invited to interview. Step 2: A limited number of proposals will be invited to refine their proposal and present a more detailed proposal directly to the City officials (in a public meeting) After conclusion of the presentations, the City officials will re-evaluate the finalists as they select the preferred developer. The announcement of the preferred developer will take place at a subsequent public meeting and will include a Letter of Intent or similar document to identify the terms of sale. After the preferred developer is announced, the City Attorney will prepare and present a Contract for Private Development or similar document that identifies the terms of the sale, the responsibilities and expectations of buyer and seller and deadlines to proceed. After execution of the Contract, the preferred developer will proceed with the City’s standard development review process. This process includes a series of public meetings (sketch plan, preliminary and final) with the Planning Commission and City Council to consider rezoning and site plan approvals. SUBMITTAL REQUIREMENTS AND DEADLINE Motivated developers are encouraged to submit a proposal for consideration. Proposals must follow the general format attached. Send proposals to the City of Edina to the attention of: Bill Neuendorf Economic Development Manager BNeuendorf@EdinaMN.gov Proposals must be received no later than Monday April 21st, 2025 at 5:00 pm CST. Page 56 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 8 QUESTIONS Questions can be directed to Bill Neuendorf, Economic Development Manager at BNeuendorf@EdinaMN.gov for written response no later than Monday March 31st, 2025 at 5:00 pm CST. Responses to questions received by the deadline will be posted to the website. GENERAL TERMS This is a request for proposal and in no way obligates the responder to enter into a contract with the City of Edina or the Edina HRA. Nor does this request obligate the City of Edina or the Edina HRA to enter into a contract with any entity that responds, nor does it limit or restrict the City of Edina or the Edina HRA’s right to enter into a contract with any entity that does not respond to this request. In its sole discretion, the City of Edina or the Edina HRA may pursue discussions with one or more entities responding to this request, or none at all. The City of Edina and the Edina HRA further reserves the right, in its sole discretion, to cancel this Request for Proposal at any time for any reason. All costs associated with responding to this request will be solely at the responder’s expense. Page 57 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 9 5146 Eden Avenue PROPOSAL SUMMARY Use this format to submit your proposal. Attach additional pages as appropriate. Brevity is preferred for the first round. Additional detail will be requested from selected finalists. Failure to provide complete information is grounds for the City to reject the proposal. (1) Contact Information Name of Development Company Contact Name Phone Number and Email Website Name of Development Partner, if any Years of relevant development experience Examples of similar completed projects by developer(s) (project name and location) MBE, WBE, SBE,or VBE status of developer(s) and partners, if applicable (2a) Brief Description of Proposed Project Attach a brief description of the proposed project, including unique characteristics or amenities. Two single sided pages maximum. Also attach a conceptual site plan that generally depicts the site layout and massing envisioned for the site. One page minimum; three pages maximum. (2b) Anticipated Commercial Uses included on Site Description of Commercial Use(s) Approx Size (sq ft) A B C Page 58 of 166 Edina Housing & Redevelopment Authority Issued March 3, 2025 Redevelopment Opportunity – 5146 Eden Ave Page 10 (2c) Anticipated Unit Count (fill in approx. # units of each type) Total Units Affordable Attainable Market Rate < 50% AMI 50% AMI 60% AMI 80% AMI 100% AMI 120% AMI > 120% AMI Townhouse, for-sale Townhouse, rental Cooperative Condominium Rental Apartment, Senior Rental Apartment, All ages Other, A Other, B (3a) Anticipated Land Purchase Price Anticipated Land Price per Unit Anticipated # of Units Sub-Total Townhouse building(s) Multi-family building(s) Other Commercial Use(s) NA Estimated Total Land Purchase Price = (3b) Conditions or Contingencies that impact purchase price or land closing (3c) Describe the type of debt and equity funding anticipated Submitted by (name & date): END Page 59 of 166 d ITEM REPORT Date: August 14, 2025 Item Activity: Approve Meeting: Housing & Redevelopment Authority Agenda Number: 7.2 Prepared By: Bill Neuendorf, Economic Dev Mgr Item Type: Report & Recommendation Department: Community Development Item Title: Resolution 2025-05: Approving Interfund loan to Eden Willson TIF District for use in Roadway and Bridge Improvements Action Requested: Approve Resolution 2025-05 authorizing a transfer of funds from the Centennial Lakes TIF Fund to the Eden Willson TIF District and authorization to use funds for the construction of public improvements on adjacent roadways and bridge. Information/Background: Over many decades, Edina has used tax increment financing as a mechanism to strategically increase the tax base, build affordable housing, create jobs and finance public infrastructure. When the Centennial Lakes TIF District was decertified in 2014, the applicable Minnesota Statutes allowed the remaining fund balance to be retained to support other city-wide projects and initiatives. The types of projects funded and the geographic locations where funds are used must abide by the applicable plans and statutes. This is a unique situation that is only applicable to legacy TIF Districts. This type of flexibility is not available to newer TIF Districts. These legacy monies can be used to construct public infrastructure such as roadways, sidewalks, bridges, utilities and related items. The Vernon Avenue and Highway 100 interchange project that is currently under construction is eligible for funding support from the Centennial Lakes TIF Fund. As of year-end 2024, nearly $2.0 million was available in this account. Rather than a direct expenditure of funds, an interfund loan is recommended. This arrangement creates conditions where the funds might be repaid in the future so that the Centennial Lakes TIF Fund might be able to finance another infrastructure project in the future. Up to $1.5 million will be transferred into the Eden Willson TIF District. Those monies will be used to pay for a portion of the infrastructure that also benefits the Eden Willson District. Over the life of the Eden Willson District and to the extent possible, a portion of the future incremental taxes will be used to repay the interfund loan - including principal plus 4% interest. There is, however, no guarantee of full repayment. Resolution 2025-05 has been prepared to document the interfund loan. This allows for immediate payment for the new bridge and related public infrastructure while also setting up conditions for possible repayment in the future. Staff recommends that Resolution 2025-05 be approved. Resources/Financial Impacts: The use of incremental property taxes will reduce the amount of debt issued to finance this major infrastructure project. This in turn will limit the amount of the general tax levy. Relationship to City Policies: Budget pillars and values - Strong Foundation and Stewardship Page 60 of 166 Supporting Documentation: 1. Staff Presentation - HRA Res 2025-05 interfund loan 8-14-2025 2. HRA Resolution 2025-05 InterFund Loan - Centennial Lakes to Eden Willson TIF Page 61 of 166 HRA Resolution 2025-05 Interfund Loan for Vernon Ave / Highway 100 Interchange Project Presentation to: Edina Housing & Redevelopment Authority August 14, 2025 Prepared by: Bill Neuendorf, Economic Development Manager Page 62 of 166 Resolution 2025-05 –Interfund Loan -Summary The City, in conjunction with Hennepin County and MnDOT are reconstructing bridges and roadways at Vernon Ave and the Highway 100 / 50th Street interchange. TIF monies from the Centennial Lakes Fund can be used to makeup a shortfall in the funding sources. An interfund loan is recommended to create conditions where the monies might be repaid in the future. Staff recommends approval of Resolution 2025-05 2 _____________________ Housing & Redevelopment Authority http://elizabethpavelecky.cmswiki.wikispaces.net/file/view/bridge%20the%20gap.jpg/441534272/bridge%20the%20gap.jpg gap TIF Page 63 of 166 Vernon Avenue and Highway 100 Interchange Project 3 _____________________ Housing & Redevelopment Authority Maison Green Apartments Eden Willson TIF-funded improvements Page 64 of 166 Centennial Lakes TIF Fund – Eligible Boundaries 4 _____________________ Housing & Redevelopment Authority Page 65 of 166 Interfund Loan 5 _____________________ Housing & Redevelopment Authority •Source of Funds: Centennial Lakes TIF Fund •Description of Funds: These are incremental taxes previously collected and retained for public infrastructure and other City projects •Available Funds: $1,980,865 (as of 12/31/2024) •Loan Amount: up to $1,500,000 •Interest Rate: 4.0% fixed •Repayment: Possible, but not guaranteed •Potential Repayment Source: Eden Willson TIF District Page 66 of 166 Staff Recommendation 6 _____________________ Housing & Redevelopment Authority Staff recommends that Resolution 2025 -05 be approved authorizing a transfer up to $1.5 million from Centennial Lakes TIF Fund to Eden Willson TIF District. Page 67 of 166 RESOLUTION NO. 2025-05 RESOLUTION FOR ADVANCE OF CERTAIN COSTS IN CONNECTION WITH THE EDEN / WILLSON REDEVELOPMENT TAX INCREMENT FINANCING DISTRICT BE IT RESOLVED by the Board of Commissioners (the “Board”) of the Edina Housing and Redevelopment Authority (the “HRA”) as follows: Section 1. Background. 1.01. The HRA and City of Edina, Minnesota (the “City”) have heretofore approved the establishment of the Eden / Willson Redevelopment Tax Increment Financing District (the "TIF District") within the Southeast Edina Redevelopment Project Area (the "Project Area"), and have adopted a Tax Increment Financing Plan (the "TIF Plan") for the purpose of financing certain improvements within the Project Area, all pursuant to Minnesota Statutes, Sections 469.174 to 469.1794, as amended (the “TIF Act”). 1.02. The HRA has determined to pay for certain costs identified within the TIF Plan consisting of the design and construction of the Vernon Avenue and Highway 100 Interchange public improvements (the “Qualified Costs”) pursuant to Minnesota Statutes, Section 469.178, Subd. 7 of the TIF Act, which costs may be financed on a temporary basis from HRA or City funds available for such purposes. 1.03. Under Minnesota Statutes, Section 469.178, Subd. 7 of the TIF Act, the HRA or City is authorized to advance or loan money from the general fund or any other fund from which such advances may be legally authorized, in order to finance the Qualified Costs; provided the loan or advance is authorized by resolution not later than 60 days after money is transferred, advanced, or spent, whichever is earliest. 1.04. The HRA intends to reimburse itself for the Qualified Costs from tax increments derived from the TIF District in accordance with the terms of this resolution (which terms are referred to collectively as the "Interfund Loan"). Section 2. Terms of Interfund Loan. 2.01. The HRA hereby authorizes the advance of up to $1,500,000 from the Centennial Lakes Tax Increment Financing Fund or so much thereof as may be paid as Qualified Costs. The HRA shall reimburse itself for such advances together with interest at the rate stated below. Interest accrues on the principal amount from the date of each advance. The maximum rate of interest permitted to be charged is limited to the greater of the rates specified under Minnesota Statutes, Section 270C.40 or Section 549.09 as of the date the loan or advance is authorized, unless the written agreement states that the maximum interest rate will fluctuate as the interest rates specified under Minnesota Statutes, Section 270C.40 or Section 549.09 are from time to time adjusted. The interest rate shall be 4% and will not fluctuate. 2.02. Principal and interest ("Payments") on the Interfund Loan shall be paid annually on each December 31 (each a "Payment Date"), commencing on the first Payment Date on which the HRA has Available Tax Increment Page 68 of 166 (defined below), or on any other dates determined by the Executive Director of the HRA, through the Payment Date following last receipt of tax increment from the TIF District. 2.03. Payments on this Interfund Loan are payable solely from "Available Tax Increment," which shall mean, on each Payment Date, tax increment available after other obligations have been paid, or as determined by the Executive Director of the HRA, generated in the preceding six (6) months with respect to the property within the TIF District and remitted to the HRA by Hennepin County, all in accordance with the TIF Act. Payments on this Interfund Loan may be subordinated to any outstanding or future bonds, notes or contracts secured in whole or in part with Available Tax Increment, and are on parity with any other outstanding or future interfund loans secured in whole or in part with Available Tax Increment. 2.04. The principal sum and all accrued interest payable under this Interfund Loan are pre-payable in whole or in part at any time by the HRA without premium or penalty. No partial prepayment shall affect the amount or timing of any other regular payment otherwise required to be made under this Interfund Loan. 2.05. This Interfund Loan is evidence of an internal borrowing by the HRA in accordance with Minnesota Statutes, Section 469.178, Subd. 7 of the TIF Act and is a limited obligation payable solely from Available Tax Increment pledged to the payment hereof under this resolution. This Interfund Loan and the interest hereon shall not be deemed to constitute a general obligation of the State of Minnesota or any political subdivision thereof, including, without limitation, the City or HRA. Neither the State of Minnesota, nor any political subdivision thereof shall be obligated to pay the principal of or interest on this Interfund Loan or other costs incident hereto except out of Available Tax Increment, and neither the full faith and credit nor the taxing power of the State of Minnesota or any political subdivision thereof is pledged to the payment of the principal of or interest on this Interfund Loan or other costs incident hereto. The HRA shall have no obligation to pay any principal amount of the Interfund Loan or accrued interest thereon, which may remain unpaid after the final Payment Date. 2.06. The HRA may amend the terms of this Interfund Loan at any time by resolution of the Board, including a determination to forgive the outstanding principal amount and accrued interest to the extent permissible under law. 2.07. The HRA shall report in its annual report to the State of Minnesota (1) the amount of the Interfund Loan or advance made in a calendar year; and (2) any amendment of the Interfund Loan or advance made in a calendar year. Section 3. Effective Date. This resolution is effective upon the date of its approval. Approved by the Board on August 14, 2025. ATTEST: _______________________________ James B. Hovland, Chair _______________________________ James Pierce, Secretary Page 69 of 166 STATE OF MINNESOTA ) COUNTY OF HENNEPIN) SS CITY OF EDINA ) CERTIFICATE OF EXECUTIVE DIRECTOR I, the undersigned duly appointed and acting Executive Director for the Edina Housing and Redevelopment Authority do hereby certify that the attached and foregoing Resolution is a true and correct copy of the Resolution duly adopted by the Edina Housing and Redevelopment Authority at its Regular Meeting of August 14, 2025, and as recorded in the Minutes of said Regular Meeting. WITNESS my hand and seal of said City this ______________ day of ___________________, 2025. Executive Director Page 70 of 166 d ITEM REPORT Date: August 14, 2025 Item Activity: Approve Meeting: Housing & Redevelopment Authority Agenda Number: 7.3 Prepared By: Bill Neuendorf, Economic Dev Mgr Item Type: Report & Recommendation Department: Community Development Item Title: Amend Redevelopment Agreements with Edina Enclave, LLC and Lifestyle Communities, LLC pertaining to 7235 France Avenue. Action Requested: Approve the first amendments to each of the three Redevelopment Agreements for 7235 France Avenue, including the SW Element, NW Element and East Element and authorize staff to carry out the terms of the amended agreements. Information/Background: In November 2024, the City and Housing and Redevelopment Authority (HRA) entered into three Redevelopment Agreements with Enclave Development and Lifestyle Communities to facilitate the full redevelopment of an 8-acre property at 7235 France Avenue. These Agreements pledge future incremental taxes to partially reimburse the developers for the cost of public infrastructure and other eligible costs. Since approval of the site plan and TIF agreements, the developer has pursued a strategic combination of financing partners to advance construction on all three of the parcels. Based on the ongoing uncertainty in the financial markets, this work has taken longer than expected. The developers have renegotiated their purchase agreement with Macy's to delay the acquisition date until September 2025. This allowed the developer more time to secure private financing while Macy's relocated the furniture operations into the Southdale Center mall. The furniture store has been relocated and the site is now vacant. Due to this change in acquisition date, the developers request that the starting and ending deadlines in each of the Redevelopment Agreements be extended an additional 9-months. This change in the schedule is considered sufficient to allow the developer to secure acquisition funds and begin site work (as the Master Developer) in fall 2025. In addition to the schedule changes in Section 3, the amendment also includes related changes to deadlines located elsewhere in the Agreements. It is not unusual for multi-phase projects to include amendments to their financing agreements. Large projects take time and market conditions change daily. The First Amendment has been prepared by the HRA's attorneys at Dorsey & Whitney. The developers are agreeable to the terms in the First Amendment. No material changes are included in this amendment. All existing obligations, responsibilities, safeguards and expectations remain unchanged. Staff recommends approval of the First Amendments to the three Redevelopment Agreements applicable to 7235 France Avenue. Resources/Financial Impacts: None. Relationship to City Policies: Tax Increment Financing policy. Page 71 of 166 Supporting Documentation: 1. Staff Presentation 7235 France -TIF First Amendment August 2025 2. First Amendment to Redevelopment Agreement - NW Element (Edina - 7235 France) v2 final 3. First Amendment to Redevelopment Agreement - SW Element (Edina - 7235 France)-v3 final 4. First Amendment to Redevelopment Agreement - East Element (Edina - 7235 France)-v1 final Page 72 of 166 7235 France Avenue First Amendment to Redevelopment Agreements with Enclave Edina LLC and Lifestyle Communities LLC Presentation to: Edina Housing & Redevelopment Authority August 14, 2025 Edina City Council, August 19, 2025 Prepared by: Bill Neuendorf, Economic Development Manager Page 73 of 166 Request for Amendment to 2024 Redevelopment Agreements -Summary Developers intend to invest $300+ million to redevelop property at 7235 France Ave. HRA and City previously approved a pledge up to $22.874 million to reimburse a portion of eligible costs using a combination of TIF and SPARC. The original real estate closing has been rescheduled for September 2025. The proposed Amendment modifies the contract schedule to allow developers additional 9 months to complete the project. Staff recommends approval of the Amendment. 2 _____________________ Housing & Redevelopment Authority gap TIF Due to complexities of the site and project, the developers are unable to secure private debt and equity financing without public financial intervention. Page 74 of 166 Project Location Cedars Apartments YMCA Galleria Target Lunds / Byerlys Cornelia Elementary Southdale Library 7235 France Centennial Lakes School District 280 3 School District 273 _____________________ Housing & Redevelopment Authority Page 75 of 166 Existing Conditions •8-acre site •Constructed 1977 •Vacant commercial building •Deemed ‘sub-standard’ and eligible for TIF designation per MN Statute •Under contract for sale by Macy’s 4 _____________________ Housing & Redevelopment Authority Page 76 of 166 Development Team •Fargo ND based •Established 2011 •Unified real estate investment firm with in-house development, construction & management •150+ projects; 34 in Minnesota •www.EnclaveCompanies.com •Edina MN based •Established 2008 •Focus on active-adult cooperatives and condominium development •45 completed projects •www.ThisLifestyle.com 5 _____________________ Housing & Redevelopment Authority Page 77 of 166 Background - Approved Site Plan & Financing •Submitted for Consideration March 2023 •Recommended for Approval by Planning Commission May 2024 •Submitted Request for Tax Increment Financing May 2024 •Preliminary Rezoning Approved June 2024 with conditions •Final Rezoning and Site Plan approved September/October 2024 •TIF Agreements approved November 2024 6 _____________________ Housing & Redevelopment Authority N W N East S W S East Page 78 of 166 NW Site Rendering Approved 9-17-2024 7 _____________________ Housing & Redevelopment Authority Page 79 of 166 SW Site Rendering Approved 9-17-2024 8 _____________________ Housing & Redevelopment Authority Page 80 of 166 East Site Rendering Approved 9-17-2024 9 _____________________ Housing & Redevelopment Authority Page 81 of 166 Public Benefits Incorporated into Redevelopment Agreement •Economic and fiscal benefits •Responsive to Southdale Design Guidelines •Subdivide ‘superblock’ •Prioritize ‘public realm’ •Integrate mixed uses •Minimize surface parking •Implement Sustainable Buildings Policy •Implement Affordable Housing Policy •Structured parking for shared visitor use •New public realm spaces with sidewalks, plazas and outdoor spaces •Improve Nine Mile Creek Bike Trail •Facilitate future grade-separated pedestrian crossing •Other fiscal contributions •Property tax base •Park dedication fees •Water & sewer fees 10 _____________________ Housing & Redevelopment Authority Page 82 of 166 Economic Benefits Growth in Tax Base 11 _____________________ Housing & Redevelopment Authority Current conditions (2024) Estimate after redevelopment (2030) Estimated Growth Estimated Market Value $12.1 M $244.43 M 20x Annual Property Taxes Paid $348,609 $3,653,000 10x •This degree of growth would not happen if the site was kept “as is”, remodeled or rebuilt as a series of smaller buildings •Transformational redevelopment projects of this scale and caliber deliver a tremendous boost to the overall tax base and shift distribution of taxes to benefit local taxing agencies Page 83 of 166 Schedule Changes to Reflect 2025 Market Conditions Recent Progress •Furniture gallery relocated into Southdale Center mall; site is now vacant •Successful marketing events held to promote condominium sales •Equity sources and development partners identified with soft commitments •Land owner agreed to real estate transaction in September 2025, this is a 9-month delay from the original schedule Next Steps •Developers intend to acquire the site and raze the vacant building in fall/winter 2025 •Developers intend to serve as “master developer” to install infrastructure so that each of the 4 buildings can be built on their own schedules without delays due to utilities, roadways, etc •Developers intend to formalize funding and partnerships for NW, SW and E phases 9-month extension needed in TIF Agreements to reflect this delayed start. No other changes are recommended at this time . 12 _____________________ Housing & Redevelopment Authority Page 84 of 166 In conclusion •The site was deemed a substandard / blighted property that qualifies for TIF designation •The site plan proposal was recommended to be approved by Planning Commission and granted final and zoning approvals by City Council •TIF Financing District Plan approved in November 2024 •Redevelopment Agreements with Enclave & Lifestyle Communities approved in November 2024 •This amendment extends the schedule to complete the work with no other material changes. 13 _____________________ Housing & Redevelopment Authority Page 85 of 166 Staff Recommendation 14 _____________________ Housing & Redevelopment Authority Staff recommends that the First Amendment to the three Redevelopment Agreements with Edina Enclave, LLC and Lifestyle Communities, LLC be approved by the HRA Board and City Council. Page 86 of 166 4938-7770-2742\2 FIRST AMENDMENT to Redevelopment Agreement (7235 France Avenue – NW Element) by and among City of Edina, Minnesota, Housing and Redevelopment Authority of Edina, Minnesota, and Edina Enclave, LLC Dated as of August 19, 2025 THIS DOCUMENT WAS DRAFTED BY: Dorsey & Whitney LLP 50 South Sixth Street, Suite 1500 Minneapolis, MN 55402-1498 Page 87 of 166 1 4938-7770-2742\2 FIRST AMENDMENT TO REDEVELOPMENT AGREEMENT (7235 France Avenue – NW Element) THIS FIRST AMENDMENT TO REDEVELOPMENT AGREEMENT (“Amendment”) is made and entered into as of August 19, 2025 (the “First Amendment Effective Date”) by and among the City of Edina, Minnesota, a Minnesota statutory city (the “City”), the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Authority”) and Edina Enclave, LLC, a Delaware limited liability company (“Developer”). RECITALS A. The City, the Authority, and Developer are parties to a Redevelopment Agreement dated November 19, 2024 (the “Existing Agreement”). B. Upon the terms and conditions set forth in the Existing Agreement, the Authority agreed to provide Developer with certain TIF Assistance in connection with Developer’s redevelopment of certain property located within the City’s 72nd and France #3 Tax Increment Financing District, as such property is more particularly described in the Existing Agreement. C. As set forth in the Existing Agreement, in order for the Authority to provide Developer with TIF Assistance, Developer must construct certain Minimum Improvements on or before corresponding Completion dates and satisfy other conditions, all as set forth in the Existing Agreement. D. It is not unusual for multi-phase redevelopment projects to encounter changes and delays that reflect evolving conditions in the local, regional and national economy. It remains in the interest of the City and Authority to consider reasonable changes to the Existing Agreement to allow the site to be successfully redeveloped. E. Due to current economic conditions, Developer was unable to meet the required Completion date for the Real Estate Land Closing. The Developer has negotiated an extension of the Real Estate Land Closing and requests that the schedule for the redevelopment contemplated under the Existing Agreement be extended accordingly. Therefore, upon the terms and conditions set forth in this Amendment, the Authority and the City have agreed to extend certain Completion dates by approximately nine (9) months, and otherwise amend the Existing Agreement as set forth herein. NOW, THEREFORE, in consideration of the promises and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: 1. Recitals; Definitions. The Recitals are true and correct statements of fact and are incorporated into this Amendment by this reference, including the definitions set forth therein. Each capitalized term used herein and the Recitals, unless otherwise defined, shall have the respective meaning ascribed to such term in the Existing Agreement. The “Agreement” is the Existing Agreement as amended by this Amendment. 2. Commencement and Completion of Minimum Improvements. Section 3.1.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 2. “3.1.1 Minimum Improvements Timeline. The timeline for the Commencement and Completion of the Minimum Improvements is identified in this Section 3.1. Following Page 88 of 166 2 4938-7770-2742\2 Commencement, construction or other activity must continue, without interruption, in a sequence consistent with normal redevelopment and construction practices. Failure to meet any of the dates identified as “No Later Than” shall be considered a Default, unless mutually determined to be the result of Unavoidable Delay. The Commencement and Completion timeline for the Minimum Improvements is as follow:” Commencement Date Completion Date Description of Work Anticipated No Later Than Anticipated No Later Than Real Estate Land Closing N/A N/A 09/18/2025 03/15/2026 Demolition 06/01/2026 01/01/2027 08/01/2026 03/01/2027 Site Remediation 08/01/2026 02/01/2027 10/01/2026 12/01/2028 Site Preparation 10/01/2026 03/01/2027 12/01/2026 12/01/2028 Go-Ahead Letter N/A N/A 05/01/2027 12/01/2028 Foundation 03/01/2027 12/01/2028 N/A N/A Shell and Base Interior Construction 03/01/2027 12/01/2028 08/01/2029 02/01/2031 Certificate of Occupancy (shell building) N/A N/A 07/01/2029 02/01/2031 3. Delegation of Certain Obligations to Master Developer. The following is hereby amended added to the Existing Agreement as Section 3.9: “3.9 Delegation of Certain Obligations to Master Developer. Notwithstanding any provision to the contrary in the Agreement, Developer and Lifestyle shall each have the right, upon the prior written consent of the Authority’s Executive Director, to delegate responsibility to complete all Demolition, Site Remediation, and Site Preparation, including but not limited to rough grading, soil correction and stabilization, utilities, curb and gutter, storm water system, internal roadways, sidewalks and bicycle trails on to their respective Lot(s) (collectively, the “Delegated Obligations”) to the other, such that either Developer or Lifestyle shall be responsible for performing all Delegated Obligations for the entire Project Area. Developer shall provide written notice to the City and the Authority prior to any such delegation including a description of which entity will be responsible for the work and the cost distribution of the work performed by the Master Developer. Any delegation from Developer to Lifestyle pursuant to this Section shall not relieve Developer of its obligations under the Agreement, and Developer shall remain jointly and severally liable with Lifestyle for the full and timely performance of the Delegated Obligations.” 4. Creation of TIF District; Certification. Section 12.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 4. This amended Section 12.1 reflects the amended Real Estate Land Closing date set forth above and is intended to provide a reliable stream of Tax Increments. “12.1 Creation of TIF District; Certification. The Authority and City have taken all necessary actions to create and establish the TIF District as of the Effective Date. The TIF Page 89 of 166 3 4938-7770-2742\2 District has been created and established as a “redevelopment” district under the TIF Act. The Authority will cause the TIF District to be certified promptly following the Real Estate Land Closing, such that Tax Increments will be become available in accordance with the TIF Plan. Developer acknowledges and agrees that the Authority and the City may take appropriate steps to modify the TIF District in the future, including, without limitation, incorporating additional land into the TIF District or modifying the first collection year. Developer shall cooperate with the Authority and the City with any such future modification, including to execute and deliver any supplements or modifications to this Agreement that are reasonably required in connection therewith, provided that no such modification or supplement shall (a) increase any obligation of Developer hereunder or (b) adversely affect any right of or benefit of Developer hereunder.” 5. SPARC Fund Forgivable Loan. Section 12.9.1.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 5. This amended Section 12.9.1.1 reflects a recent change in state law governing unallocated Tax Increment funds. “12.9.1.1. The Authority has elected to use the SPARC Fund to offset the principal amount of the NW Element TIF Note, SW Element TIF Note and/or East Element Note by a cumulative amount of the lesser of $1,500,000 (subject to adjustment as provided below) and the amount of the SPARC Fund Qualified Costs (as defined below), by providing a forgivable loan funded through the SPARC Fund (the “SPARC Forgivable Loan”) pursuant to the terms and conditions of a loan agreement in substantially the form attached as Exhibit W to this Amendment (the “SPARC Forgivable Loan Agreement”). All costs related to the Project that have been expended by the Developer by December 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), excluding land acquisition, but including, without limitation, all Project costs shown on Exhibit B of the SPARC Forgivable Loan Agreement attached hereto, shall be eligible for reimbursement from the SPARC Fund under the terms and conditions of the SPARC Forgivable Loan Agreement (collectively, “SPARC Fund Qualified Costs”). The Authority shall use good faith, commercially reasonable efforts to notify Developer of its election to use SPARC Funds in an amount greater than $1,500,000 prior to July 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority). Following such notice, the Developer and the Authority shall use good faith efforts to meet and confer regarding the potential use of additional SPARC Funds. On or before September 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), Developer and Lifestyle will notify the Authority of the amount of the SPARC Forgivable Loan allocated to the NW Element, SW Element and East Element. Developer shall use good faith, commercially reasonable efforts to expend the SPARC Fund Qualified Costs by December 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), but failure of Developer to do so shall not be a Default under this Agreement. On or before December 15, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), Developer and the Authority shall execute the SPARC Fund Loan Agreement, in the principal amount, if any of the SPARC Fund Forgivable Loan is allocated to the NW Element, and the NW Element TIF Note will be reduced by such amount. 6. Ratification. Except as specifically modified by this Amendment, the terms and provisions of the Existing Agreement shall remain in full force and effect. 7. Binding Effect. This Amendment amends and supplements the Agreement. If there is a conflict between the provisions of the Existing Agreement and this Amendment, the provisions of this Amendment shall control. This Amendment shall be binding upon and inure to the benefit of the City, the Page 90 of 166 4 4938-7770-2742\2 Authority, Developer, and their respective successors and assigns. 8. Counterparts. This Amendment may be executed simultaneously in one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. Facsimile or email copies shall be deemed originals. [Remainder of page intentionally left blank; signature pages follow] Page 91 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – NW Element)] 4938-7770-2742\2 IN WITNESS WHEREOF, the City, the Authority and Developer have caused this Amendment to be duly executed in their names and on their behalf, all on or as of the date first above written. CITY OF EDINA, MINNESOTA By: _____________________________ James B. Hovland, Mayor By: _____________________________ Scott H. Neal, City Manager STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ____ day of _______________, 2025, by James B. Hovland and Scott H. Neal, the Mayor and City Manager, respectively, of the City of Edina, Minnesota, on behalf of the City of Edina. Notary Public Page 92 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – NW Element)] 4938-7770-2742\2 HOUSING AND REDEVELOPMENT AUTHORITY OF EDINA, MINNESOTA By: ______________________________ James B. Hovland, Chair By: ______________________________ James Pierce, Secretary STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ____ day of _______________, 2025, by James B. Hovland and James Pierce, the Chair and Secretary, respectively, of the Housing and Redevelopment Authority of Edina, Minnesota, on behalf of said Authority. Notary Public Page 93 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – NW Element)] 4938-7770-2742\2 EDINA ENCLAVE, LLC a Delaware limited liability company By: ________________________________________ Name: ______________________________________ Its: _________________________________________ STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ___ day of _______________, 2025, by __________________, the _______________________ of EDINA ENCLAVE, LLC, a Delaware limited liability company, on behalf of the limited liability company. Notary Public Page 94 of 166 W-1 4938-7770-2742\2 EXHIBIT W Form of SPARC Loan Agreement Forgivable Loan Agreement (Edina SPARC Fund – NW Element) This Forgivable Loan Agreement (Edina SPARC Fund – NW Element) (this “Agreement”), made and entered into as of this ____ day of ____________, between the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Authority”), and Edina Enclave, LLC, a Delaware limited liability company (“Borrower”). Recitals: A. Borrower is the owner of that certain land located at located at 7235 France Avenue, Edina, Minnesota, as legally described on Exhibit A (the “Project Area”). B. Borrower, the Authority, and the City of Edina, Minnesota (the “City) are parties to that certain Redevelopment Agreement (NW Element), dated ______________, 2024 (the “Redevelopment Agreement”), pursuant to which the Authority and the City have agreed to provide certain financial support to Borrower in connection with Borrower’s redevelopment of the Project Area by demolition of an existing retail building and related parking and improvements located within the Project Area and the development and construction of certain “Minimum Improvements” consisting generally of a 7-story (approximately 85- foot tall) mixed-use building containing approximately 13,500 square feet of office space, 5,900 square feet of retail space, 124 apartment units and an approximately 251-stall parking garage, and certain related public improvements (collectively, the “Project”). C. Upon completion, the Project is anticipated to deliver many benefits to the general public. In addition to the redevelopment of an underutilized building and long-term increase in the property tax base, the Project will deliver additional public benefits including: creation of new affordable housing units, stormwater improvements, environmental remediation, streetscape improvements, permanent sustainability features and public parking. Upon completion, the Project will also enable several improvements to the local transportation network including improvements for pedestrians, bicyclists, and motorists. These improvements are intended to benefit the Project, the adjacent properties, the surrounding neighborhoods and the general public who travel to and through this area. D. Pursuant to the temporary authority for use of increment granted by Minnesota Statutes, Section 469.176, subdivision 4(n) (the “Act”) on October 28, 2021, the Authority adopted, and on November 16, 2021, the City approved a written spending plan (which may be amended from time to time) for unobligated tax increment monies (the “Spending Plan”) and established the Special Projects and Redevelopment Capital Fund (the “SPARC Fund”) to encourage and incentivize new private investment in the City’s commercial and industrial districts by providing loans, grants and/or equity for development projects in accordance with the Spending Plan. E. As set forth in the Redevelopment Agreement, pursuant to the Act and the Spending Plan, and subject to the terms and conditions of this Agreement, the Authority, believing that the Project is in the best interest of the City, desires to provide a forgivable loan of unobligated tax increment revenue to Borrower from the SPARC Fund in the maximum principal amount of $________ (the “Loan”) to assist in financing the Project, such Loan being referred to in the Redevelopment Agreement as the “SPARC Forgivable Loan”. Page 95 of 166 W-2 4938-7770-2742\2 F. The SPARC Forgivable Loan will be used as a substitute for all or a portion of the NW Element TIF Note anticipated to be issued in the Redevelopment Agreement. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, and in consideration of the mutual covenants and agreements hereinafter contained, the parties hereto hereby agree as follows: ARTICLE I RECITALS; EXHIBITS, DEFINITIONS Section 1.01 Recitals. The foregoing Recitals are true and correct statements of fact and are incorporated into this Agreement by this reference, including the definitions set forth therein. Section 1.02 Exhibits. All Exhibits referred to in and attached to this Agreement upon execution are incorporated in and form a part of this Agreement as if fully set forth herein. Section 1.03 Definitions. Unless otherwise defined herein or unless context requires otherwise, undefined terms used herein shall have the meanings set forth in the Redevelopment Agreement. All defined terms may be used in the singular or the plural, as the context requires. ARTICLE II REPRESENTATIONS AND WARRANTIES Section 2.01 Authority Representations. The Authority makes the following representations to Borrower: (a) The Authority is a public body corporate and politic and a governmental subdivision of the state of Minnesota, duly organized and existing under State law and the Authority has the authority to enter into this Agreement and carry out its obligations hereunder. (b) The Authority has the power under applicable state law to enter into this Agreement and carry out its obligations hereunder. Section 2.02 Borrower Representations. Borrower makes the following representations to the Authority: (a) Borrower is a limited liability company under the laws of the State of Delaware and has power to enter into this Agreement and has duly authorized, by all necessary corporate action, the execution and delivery of this Agreement. (b) Neither the execution or 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 by, limited by, conflicts with, or results in a breach of, any restriction, agreement or instrument to which Borrower is now a party or by which Borrower is bound. (c) There is no legal or regulatory proceeding or investigation pending or, to the knowledge of Borrower, threatened (or any basis therefor) against Borrower or the Project, which, when and however decided, could have a material adverse effect on the condition or business of Borrower or its ability to perform its obligations under this Agreement. Page 96 of 166 W-3 4938-7770-2742\2 (d) Borrower has no actual knowledge that any member of the Board of the Authority, or any other officer of the Authority or the City has any direct or indirect financial interest in Borrower, the Project Area, or the Project. (e) Borrower would not undertake the Project without the financial assistance to be provided by the Authority pursuant to this Agreement. The foregoing representations and warranties, as well as the facts contained in the Recitals, shall be continuing in nature and shall be true and correct as of the date made, at the date of the initial advance and at the dates of all subsequent advances of the proceeds of the Loan. ARTICLE III SPARC FUND LOAN Section 3.01 Loan for Qualified Costs. The Authority agrees to make the Loan to Borrower subject to the following terms and conditions, and the other terms, conditions, and restrictions of this Agreement: (a) The maximum principal amount of the Loan will be $__________, which represents the amount of Qualified Costs (defined below) that are anticipated to be expended by Borrower on or before the Disbursement Request Deadline. (b) The Loan funds may be used to pay for those costs incurred by Borrower in connection with the Project that have been expended by the Developer by [December 1, 2026], excluding land acquisition, but including, without limitation, all Project costs shown on Exhibit B attached hereto (collectively, “Qualified Costs”). (c) The Loan shall be evidenced by a note to be executed by Borrower and delivered to the Authority, the form of which is attached hereto as Exhibit C (the “Note”). (d) Upon the occurrence and during the continuance of an Event of Default, the unpaid principal of the Loan shall bear interest at the rate described in the Note. Section 3.02 Loan Disbursement; Disbursement Request. (a) Promptly following receipt of the Go-Ahead Letter, the Authority will deposit funds in the amount of the Loan with an escrow agent (to be mutually agreed upon by the Authority and Borrower) (the “Escrow Agent”) to be disbursed to pay Qualified Costs pursuant to the terms of this Agreement upon review and approval of disbursement requests as provided herein. (b) Requests for disbursement of portions of the Loan shall be originated by Borrower by delivering to the Authority and the Escrow Agent a disbursement request in the form acceptable to the Escrow Agent and approved by the Authority (the “Disbursement Request”) in its reasonable discretion. Within 10 working days after receipt of the Disbursement Request, the Authority shall approve or disapprove the Disbursement Request, and if approved, shall forward the Disbursement Request and a sufficient amount of the Loan to pay said Disbursement Request to Escrow Agent, subject to the condition that, before disbursing such Loan advance, Escrow Agent must obtain partial and/or full lien waivers, lien releases or lien satisfactions, in the customary form from the general contractor and all subcontractors and material suppliers with whom the general contractor has contracted with in connection with the Qualified Costs of the Project. If the Escrow Agent is unable to obtain such waivers, releases and/or satisfactions with respect to any Disbursement Request, the Authority shall be entitled, but not obligated, Page 97 of 166 W-4 4938-7770-2742\2 to revoke its approval of such Disbursement Request. Borrower hereby agrees to indemnify, defend and hold harmless the Authority and Escrow Agent from any and all claims, demands or costs associated with the disbursement of the Loan, including reasonable attorney’s fees arising therefrom. The foregoing notwithstanding, upon the consent of the Authority, which shall not be unreasonably withheld, conditioned or delayed, the disbursement process set forth in this Section may be modified if required by the lender that funds Borrower’s loan funding of construction of the Project (the “Borrower’s Lender”). (c) No Disbursement Request may be submitted to the Authority later than [December 1, 2026] (“Disbursement Request Deadline”) in order for the Authority to make all Loan advances and pay the corresponding Qualified Costs before the SPARC Expiration Date (as defined below), and, notwithstanding anything herein to the contrary, the Authority shall have no obligation to accept any Disbursement Request or to make any Loan advances after the SPARC Expiration Date. Section 3.03 Satisfaction of Conditions Precedent. Notwithstanding anything to the contrary contained herein, the Authority’s obligation to advance any portion of the Loan shall be subject to satisfaction, or waiver in writing by the Authority, of all of the following conditions precedent: (a) Borrower shall have executed and delivered the Note to the Authority. (b) There shall then be no uncured Event of Default and no act, event, condition or omission shall have occurred which, with the giving of notice or lapse of time or both, would constitute an Event of Default hereunder or under the Redevelopment Agreement, and the Authority shall have received a certificate to that effect dated the date of each such advance and signed by Borrower. (c) The representations of Borrower set forth in Section 2.02 shall continue be true and correct in all material respects as of the date of such advance. Section 3.04 Loan Forgiveness . So long there is then no uncured Event of Default, upon the Authority’s issuance of the Certificate of Completion in accordance with the Redevelopment Agreement, the Authority shall forgive the Loan by furnishing Borrower with a certification in the form attached hereto in Exhibit D (the “Certificate of Forgiveness”) reasonably promptly after Borrower’s request. If the Authority shall refuse or fail to provide a Certificate of Forgiveness within 30 days following Borrower’s request, the Authority shall provide Borrower with a written statement specifying in what respects Borrower has failed to comply with the Agreement, the Loan, or is otherwise in default, and what measures or acts will be necessary, in the reasonable opinion of the Authority, for Borrower to obtain the Certificate of Forgiveness. Notwithstanding herein to the contrary, subject to Unavoidable Delays, in no event will the Authority be obligated to forgive the Loan, if Borrower has not obtained the Certificate of Completion in accordance with the Redevelopment Agreement by May 1, 2032 unless that date has been amended in the Redevelopment Agreement (“Completion Deadline”). Section 3.05 Nature of Edina SPARC Fund. The authority for the Authority to transfer or loan unobligated incremental property taxes under the Act (as the same have been allocated to the SPARC Fund) expires on [December 1, 2026] (the “SPARC Expiration Date”) and all such transferred increments must be spent by such SPARC Expiration Date. As such, to minimize the amount of increment that the Authority would be require to “return” under the Act, if the Loan is not fully forgiven as provided herein, any amounts paid or repaid to the Authority by Borrower shall be from sources of funds of Borrower other than the loaned unobligated incremental property taxes from the SPARC Fund. Page 98 of 166 W-5 4938-7770-2742\2 ARTICLE IV DEFAULTS AND REMEDIES Section 4.01 Borrower Events of Default. Subject to Unavoidable Delay, 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 (unless the context otherwise provides), any one or more of the following events: (a) Failure by Borrower to obtain the Certificate of Completion in accordance with the Redevelopment Agreement by the Completion Deadline. (b) Failure of Borrower to timely pay to the Authority any amounts required to be paid by Borrower hereunder. (c) Except as provided in Sections 4.01(a) through (b) hereof, failure by Borrower to observe or perform any other covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement, and the continuation of such failure for a period of 30 days after written notice of such failure from the Authority; provided, however, if any such failure reasonably requires more than 30 days to cure, such failure shall not constitute an Event of Default, provided Borrower promptly commenced such cure upon receipt by Borrower of the written notice of the default, and with due diligence is thereafter continuously prosecutes such cure to completion and is completed within a reasonable period of time, and provided that Borrower keeps the Authority informed at all times of its progress in curing the default, provided that in no event shall such additional cure period for any default extend beyond 90 days. (d) The occurrence of an Event of Default under the Redevelopment Agreement. Section 4.02 Authority Remedies on Borrower Default. Upon the occurrence of an Event of Default, the Authority may take any one or more of the following actions: (a) Suspend its performance under this Agreement (including, without limitation, refraining from making any Loan advance under this Agreement) until it receives assurances from Borrower deemed reasonably adequate by the Authority, that Borrower will cure the Event of Default and continue its performance under this Agreement, but Lender may make Loan advances after the happening of any such event without hereby waiving the right to refrain from making other or further Loan advances or to exercise any of the other rights Lender may have. (b) In the case of a material default that is not cured within a reasonable period of time, terminate all rights of Borrower under this Agreement. (c) Withhold the Certificate of Completion under the Redevelopment Agreement. (d) Withhold the Certificate of Forgiveness. (e) To declare the entire unpaid principal of the Loan and all accrued interest thereon immediately due and payable without further notice. (f) Take whatever action at law or in equity may appear necessary or desirable to the Authority to enforce performance and observance of any obligation, agreement, or covenant of Borrower under this Agreement. Page 99 of 166 W-6 4938-7770-2742\2 Section 4.03 Authority Default; Remedies Upon Authority Default. In the event the Authority should fail to observe or perform any covenant, agreement or obligation of the Authority on its part to be observed and performed under this Agreement and such failure continues for more than 30 days after written notice by Borrower to the Authority of such failure, Borrower may take any one or more of the following actions: (a) Suspend its performance under this Agreement until it receives assurances from the Authority deemed adequate by Borrower, that the Authority will cure its default and continue its performance under this Agreement. (b) In the case of a material default that is not cured within a reasonable period of time, terminate all rights of the Authority under this Agreement. (c) Take whatever action at law or in equity may appear necessary or desirable to Borrower to enforce performance and observance of any obligation, agreement, or covenant of the Authority under this Agreement. Section 4.04 No Remedy Exclusive. No remedy herein conferred upon or reserved to the Authority, or to Borrower 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. In order to entitle the Authority, or Borrower to exercise any remedy reserved to them, it shall not be necessary to give notice, other than such notice as may be required under this Agreement. Section 4.05 Waivers. All waivers by any party to this Agreement shall be in writing. If any provision of this Agreement is breached by any party and thereafter waived by another party, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 4.06 Agreement to Pay Costs and Attorneys’ Fees. Whenever any Event of Default occurs and the non-defaulting party shall employ attorneys or incur any other costs or 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 defaulting party herein contained, the defaulting party agrees that it shall, on demand therefor, pay to the Authority the reasonable fees of such attorneys and such other expenses so incurred by the non-defaulting party, together with interest thereon at the rate of interest for the Loan set forth in the Note. ARTICLE V INSURANCE; INDEMNIFICATION Section 5.01 Insurance. Borrower will, at its expense, carry such type and amount of insurance concerning the contents of the Project Area as is required under the Redevelopment Agreement. Section 5.02 Indemnification. (a) Borrower releases and covenants and agrees that the Authority, and its respective governing body members and elected officials, officers, employees, agents, independent contractors and attorneys (collectively the “Indemnified Parties”), shall not be liable for and agrees to Page 100 of 166 W-7 4938-7770-2742\2 indemnify, defend, and hold harmless the Indemnified Parties against any loss or damage to property or any injury to or death of any person occurring at or about, or resulting from any defect in the Project constructed by Borrower, except to the extent attributable to the negligence or intentional misconduct of any Indemnified Party. (b) Except to the extent of the negligence or intentional misconduct of any Indemnified Party, Borrower shall indemnify and defend the Indemnified Parties, now and forever, and further agrees to hold the aforesaid harmless from any claims, demands, suits, costs, expenses (including reasonable attorney’s fees), actions or other proceedings whatsoever by any person or entity whatsoever arising or purportedly arising from the actions or inactions of Borrower, or any of its owners, agents, contractors, or employees, under this Agreement or the transactions contemplated hereby, including, without limitation, the acquisition, construction, installation, ownership, and/or operation of the Project. ARTICLE VI PROHIBITIONS AGAINST ASSIGNMENT AND TRANSFER Section 6.01 Except as permitted under the Redevelopment Agreement, Borrower shall not sell, assign, convey, lease or transfer in any other mode or manner any of its right, title, and interest in and to all or any part of the Project Area or this Agreement without the express written approval of the Authority. For avoidance of doubt, Borrower may assign this Agreement simultaneously with any assignment of the Redevelopment Agreement and to the same assignee of the Redevelopment, subject to the same terms, conditions, and requirements applicable to an assignment of the Redevelopment Agreement set forth in the Redevelopment Agreement. In the absence of specific written agreement by the Authority to the contrary, neither the transfer of the Project Area nor the assignment of this Agreement, or any portion thereof, prior to the issuance of the Certificate of Forgiveness will relieve Borrower of its obligations under this Agreement and the Note. ARTICLE VII ADDITIONAL PROVISIONS Section 7.01 Term of Agreement. This Agreement shall terminate on the earlier of the date (a) a Certificate of Forgiveness is provided to Borrower from the Authority, or (ii) the date this Agreement is terminated or rescinded in accordance with its terms (the “Termination Date”). Section 7.02 Damage or Destruction. Upon any damage or destruction of the Project Area, or any portion thereof, by fire or other casualty, before the Termination Date, should Borrower commence or cause to be commenced the process required to repair, reconstruct and restore the damaged or destroyed Project Area, or portion thereof, the Authority shall continue to provide the Loan contemplated herein. If, upon such damage or destruction of the Project Area, Borrower decides not to repair, reconstruct or restore the damaged or destroyed Project Area, the Authority shall not be required to provide the Loan contemplated herein. Section 7.03 Equal Employment Opportunity. Borrower, for itself and its successors and assigns, agrees that during the construction of the Project it will comply with any applicable affirmative action and nondiscrimination laws or regulations. Section 7.04 Restrictions on Use. Borrower agrees for itself, and its successors and assigns, and every successor in interest to the Project Area, or any part thereof, that Borrower, and such successors and assigns, shall devote the Project Area to, and only to and in accordance with, the uses specified in this Agreement and other agreements entered into between Borrower and the Authority, and shall not discriminate upon the basis of race, color, creed, religion, national origin, sex, marital status, disability, Page 101 of 166 W-8 4938-7770-2742\2 status with regard to public assistance, sexual orientation, and familial status in the sale, lease, or rental or in the use or occupancy of the Project Area or any improvements erected or to be erected thereon, or any part thereof. Section 7.05 Legal and Administrative Expenses. Borrower agrees to pay all fees and expenses incurred by the Authority in connection with review and analysis of the development proposed under this Agreement and the negotiating, approval and documentation of this Agreement, but not limited to, attorney and municipal advisor fees and expenses. Section 7.06 Notices and Demands. Except as otherwise expressly provided in this Agreement, a notice, demand or other communication under this Agreement by any party to any other shall be in writing and shall be sufficiently given or delivered if it is dispatched by reputable overnight courier, sent registered or certified mail, postage prepaid, return receipt requested, or delivered personally, and addressed to: Borrower at: Edina Enclave, LLC Attn: Austin J. Morris 300 23rd Avenue East, Suite 300 West Fargo, ND 58078 with a copy to: Siegel Brill, P.A. Attn: Anthony J. Gleekel Joshua B. Grossman Siegel Brill, P.A. 100 Washington Avenue South, Suite 1300 Minneapolis, MN 55401 The Authority at: Housing and Redevelopment Authority of Edina, Minnesota Attention: Executive Director 4801 West 50th Street Edina, MN 55424 with a copy to: Dorsey & Whitney LLP Attention: Jay R. Lindgren 50 South Sixth Street, Suite 1500 Minneapolis, MN 55402 or at such other address with respect to any such party as that party may, from time to time, designate in writing and forward to the other, as provided in this section. Section 7.07 Governing Law, Jurisdiction, Venue and Waiver of Trial by Jury. All matters, whether sounding in tort or in contract, relating to the validity, construction, performance, or enforcement of this Agreement shall be controlled by, interpreted and determined in accordance with the laws of the state of Minnesota without regard to its conflict and choice of law provisions. Any litigation arising out of this Agreement shall be venued exclusively in Hennepin County District Court, Fourth Judicial District, state of Minnesota and shall not be removed therefrom to any other federal or state court. The Authority and Borrower hereby consent to personal jurisdiction and venue in the foregoing court. The Authority and Borrower hereby waive trial by jury for any litigation arising out of this Agreement. Section 7.08 Severability. If any term or provision of this Agreement is determined to be invalid or unenforceable under applicable Law, the remainder of this Agreement shall not be affected thereby, and Page 102 of 166 W-9 4938-7770-2742\2 each remaining term or provision of this Agreement shall be valid and enforceable to the fullest extent permitted by applicable Law. Section 7.09 Consents and Approvals. Whenever the terms “consent,” “approve,” or “approval” are used herein, they shall mean consent or approvals which shall not be unreasonably conditioned or delayed, unless specifically provided otherwise. All consents or approvals must be delivered in writing in order to be effective. Section 7.10 Additional Documents. When reasonably requested to do so by another party, each party shall execute or cause to be executed any further documents as may be reasonably necessary or expedient and within their lawful obligation in order to consummate the transactions provided for in, and to carry out the purpose and intent of, this Agreement. Section 7.11 Limitation. All covenants, stipulations, promises, agreements and obligations of the Authority or Borrower contained in this Agreement shall be deemed to be the covenants, stipulations, promises, agreements and obligations of the Authority and Borrower, and not of any governing body member, officer, agent, servant, manager or employee of the Authority or Borrower in the individual capacity thereof. Section 7.12 Authority Approval. Unless the Board, as applicable, determines otherwise in its discretion, all approvals and other actions required of or taken by the Authority shall be effective upon action by the Authorized Representative of the Authority, as applicable (or in either case his/her designee), unless (a) this Agreement explicitly provides for approval by the Board of the Authority, (b) approval by the Board is required by law or (c) the approval, in the opinion of the Executive Director, would result in a material change in the terms of this Agreement. Section 7.13 Superseding Effect. This Agreement reflects the entire agreement of the parties with respect to the items covered by this Agreement, and supersedes in all respects all prior agreements of the parties, whether written or otherwise, with respect to the items covered by this Agreement. Section 7.14 Relationship of Parties. Nothing in this Agreement is intended, or shall be construed, to create a partnership or joint venture among or between the parties hereto, and the rights and remedies of the parties hereto shall be strictly as set forth in this Agreement. Section 7.15 Survival of Terms. The following Sections will survive the expiration or earlier termination of this Agreement: Section 4.02 through 4.06 [Remedies on Default, etc.] to the extent of any Event of Default arising prior to such termination or expiration; Section 5.01 [Insurance]; Section 5.02 [Indemnification]; Section 7.06 [Notices and Demands]; Section 7.07 [Governing Law, Jurisdiction, Venue and Waiver of Trial by Jury]; Section 7.11 [Limitation]; Section 7.17 [No Waiver of Governmental Immunity and Limitations on Liability]; and Section 7.18 [Limited Liability]. Section 7.16 Data Practices Act. Borrower acknowledges that all of the data created, collected, received, stored, used, maintained, or disseminated by Borrower with regard to the performance of its duties under this Agreement are subject to the requirements of Chapter 13, Minnesota Statutes. Section 7.17 No Waiver of Governmental Immunity and Limitations on Liability. Nothing in this Agreement shall in any way affect or impair the Authority’s immunity or the immunity of the Authority’s employees, consultants and contractors, whether on account of official immunity, legislative immunity, statutory immunity, discretionary immunity or otherwise. Nothing in this Agreement shall in any way affect or impair the limitations on the Authority’s liability or the liability of the Authority’s employees, consultants and independent contractors. By entering into this Agreement, the Authority does Page 103 of 166 W-10 4938-7770-2742\2 not waive any rights, protections, or limitations as provided under law and equity for the Authority, or of their respective employees, consultants and contractors. Section 7.18 Limited Liability. Notwithstanding anything to contrary provided in this Agreement, it is specifically understood and agreed, such agreement being the primary consideration for the execution of this Agreement by Borrower, that (a) there should be absolutely no personal liability on the part of any director, officer, manager, member, employee or agent of Borrower or the Authority with respect to any terms, covenants and conditions in this Agreement; (b) Borrower and the Authority waive all claims, demands and causes of action against the other parties’ directors, officers, managers, members, employees and agents in any Event of Default, by either party, as the case may be, of any of the terms, covenants and conditions of this Agreement to be performed by either party; and (c) Borrower and the Authority, as the case may be, shall look solely to the assets of the other party for the satisfaction of each and every applicable remedy in the Event of Default by any party, as the case may be, of any of the terms, covenants and conditions of this Agreement such exculpation of liability to be absolute and without any exception whatsoever. Section 7.19 Time is of the Essence. Time is of the essence of this Agreement and each and every term and condition hereof; provided, however, that if any date herein set forth for the performance of any obligations by Borrower or the Authority or for the delivery of any instrument or notice as herein provided should not be on a business day, the compliance with such obligations or delivery shall be deemed acceptable on the next following business day. Section 7.20 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original, and all of such counterparts shall constitute one document. To facilitate execution of this Agreement, the parties may execute and exchange signature pages via DocuSign, Tagged Image File Format (“TIFF”) or via electronic mail (*.pdf or similar file types). The parties further agree that counterparts of this Agreement may be signed electronically via Adobe Sign, DocuSign protocol or another electronic platform. All such signatures may be used in the place of original “wet ink” signatures to this Agreement and shall have the same legal effect as the physical delivery of an original signature. Section 7.21 Amendments. This Agreement shall not be amended unless in writing and executed by the parties hereto.. Section 7.22 Titles of Articles and Sections. Any titles of the several parts, Articles, and Sections of this Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section 7.23 Binding Effect. This Agreement shall inure to the benefit of and shall be binding upon the Authority and Borrower and their respective successors and assigns. [SIGNATURES APPEAR ON FOLLOWING PAGES] Page 104 of 166 [Signature Page to Forgivable Loan Agreement (SPARC) (7235 France Avenue – NW Element)] W-11 4938-7770-2742\2 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the date first above written. Housing and Redevelopment Authority of Edina, Minnesota By: ______________________________ James B. Hovland, Chair By: ______________________________ James Pierce, Secretary Page 105 of 166 [Signature Page to Forgivable Loan Agreement (SPARC) (7235 France Avenue – NW Element)] W-12 4938-7770-2742\2 EDINA ENCLAVE, LLC, a Delaware limited liability company By: __________________________________________ Name: Austin J. Morris Its: Member STATE OF _______________ ) ) ss. COUNTY OF _____________ ) The foregoing instrument was acknowledged before me this ___ day of _______________, 202___, by Austin J. Morris, a Member of Edina Enclave, LLC, a Delaware limited liability company, on behalf of the limited liability company. _____________________________________________ Notary Public Page 106 of 166 W-13 4938-7770-2742\2 Exhibit A Legal Description Page 107 of 166 W-14 4938-7770-2742\2 Exhibit B Non-Exhaustive List of Qualified Costs 1. Architectural Design Fees 2. Structural Design Fees 3. Civil Engineering Design Fees 4. Landscaping Design Fees 5. MEP (Mechanical, Electrical, Plumbing) Design Fees 6. Environmental Assessment Worksheet Fees 7. Wind Study Analysis Fees 8. Geotechnical Soil Evaluation Fees 9. Environmental Site Assessment Fees (Phase I, Phase II, RAP/CCP, MPCA) 10. Demolition, Site Clean Up, Soil Corrections, Grading 11. Construction and/or Relocation of Utilities (Sanitary Sewer, Water, Storm Water, Electric, Communications) 12. Other costs as approved by City Manager; provided, however, in no event shall any fees or expenses paid to the City qualify as SPARC Fund Qualified Costs Page 108 of 166 W-15 4938-7770-2742\2 Exhibit C Form of Note No. R-1 $_____________ UNITED STATES OF AMERICA STATE OF MINNESOTA FORGIVABLE NOTE FOR VALUE RECEIVED, the undersigned, Edina Enclave, LLC, a Delaware limited liability company (“Borrower”), promises to pay to the order of the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Lender”), on or before May 1, 2032 (the “Maturity Date”, such date being the Completion Deadline under the Loan Agreement), the sum of $_____________, or so much as is advanced by Lender to, or for the benefit of, Borrower pursuant to that certain Forgivable Loan Agreement (Edina SPARC Fund), dated of even date herewith, as the same may be amended from time to time (the “Loan Agreement”), together with interest on the unpaid principal balance from time to time outstanding from the date of this Forgivable Note (this “Note”). Terms used herein but not otherwise defined, shall have the meaning attributed to them in the Loan Agreement. 1. This Note is subject to forgiveness by Lender subject to the terms and conditions of the Loan Agreement. If, as of the Maturity Date, Lender has not issued a Certificate of Forgiveness in accordance with the Loan Agreement, the unpaid principal balance of this Note, together with any accrued but unpaid interest, shall be immediately due and payable in full on the Maturity Date. 2. After maturity, whether by acceleration, the passage of time or otherwise, and during the continuance of an Event of Default under the Loan Agreement, the outstanding principal balance of this Note and accrued, unpaid interest shall bear interest at the rate which is six percent (6.0%) per annum until paid in full. Interest shall be calculated based on the actual number of days in a month over a year of 360 days. 3. All such interest and principal payments shall be made by Borrower in immediately available funds and without notice, demand or offset. Each payment on this Note is payable in any coin or currency of the United States of America which on the date of such payment is legal tender for public and private debts and shall be made by check or draft made payable to Lender and mailed to Lender at the postal address within the United States designated from time to time by Lender. 4. The principal balance of this Note may from time to time be prepaid, at the option of Borrower, in whole or in part without penalty under this Note. 5. All payments and prepayments, at the option to Lender, shall be applied first to any costs of collection, second to any late charges, third to accrued interest on this Note, and lastly to principal. 6. The occurrence of an Event of Default, as defined in the Loan Agreement, shall constitute an Event of Default hereunder (hereinafter referred to as an “Event of Default”). Upon the occurrence of an Event of Default, Lender may take exercise all of its rights and remedies under the Loan Agreement, including, without limitation, declaring the outstanding Page 109 of 166 W-16 4938-7770-2742\2 unpaid principal balance of this Note, the accrued and unpaid interest thereon, and all other obligations of Borrower to Lender to be forthwith due and payable. Failure to exercise any right or remedy provided for or referenced herein shall not constitute a waiver of the right to exercise the same in connection with the applicable Event of Default or any subsequent Event of Default. 7. Borrower and all others who may become liable for the payment of all or any part of the debt under this Note do hereby severally waive presentment and demand for payment, notice of dishonor, notice of intention to accelerate, notice of acceleration, protest and notice of protest and non-payment and all other notices of any kind. No release of any security for this Note or extension of time for payment of this Note or any installment hereof, and no alteration, amendment or waiver of any provision of this Note or the Loan Agreement made by agreement between Lender or any other person shall release, modify, amend, waive, extend, change, discharge, terminate or affect the liability of Borrower or any other person who may become liable for the payment of all or any part of the debt under this Note or the Loan Agreement. No notice to or demand on Borrower shall be deemed to be a waiver of the obligation of Borrower or of the right of Lender to take further action without further notice or demand as provided for in this Note or the Loan Agreement. 8. Borrower agrees that if, and as often as, this Note is placed in the hands of an attorney for collection or to defend or enforce any of Lender’s rights hereunder or under the Loan, Borrower will pay to Lender its attorneys’ fees and all court costs (including attorneys’ fees and court costs prior to trial, at trial and on appeal, or in any bankruptcy proceeding) and other expenses incurred in connection therewith. 9. This Note shall be governed by and construed in accordance with the laws of the State of Minnesota, without giving effect to the choice of law provisions thereof. 10. The authority for Lender to transfer or loan unobligated incremental property taxes under the Act (as the same have been allocated to the SPARC Fund) expires on [December 31, 2026] (the “SPARC Expiration Date”) and all such transferred increments must be spent by such SPARC Expiration Date. As such, as provided in the Loan Agreement (a) no Disbursement Request may be submitted to the Authority later than [December 31, 2026] in order for the Authority to make all Loan advances and pay the corresponding Qualified Costs before the SPARC Expiration Date and (b) to minimize the amount of increment that Lender would be require to “return” under the Act, if the Loan is not fully forgiven as provided in the Loan Agreement, any amounts paid or repaid to Lender by Borrower shall be from sources of funds of Borrower other than the loaned unobligated incremental property taxes from the SPARC Fund. IN WITNESS WHEREOF, Borrower has caused this Note to be executed by the manual signatures of the ________________ of Borrower and has caused this Note to be dated as of _________________. EDINA ENCLAVE, LLC, a Delaware limited liability company By: Its: Page 110 of 166 W-17 4938-7770-2742\2 Exhibit D Certificate of Forgiveness WHEREAS, Edina Enclave, LLC, a Delaware limited liability company (the “Borrower”), is the owner of property in the County of Hennepin and State of Minnesota described on Exhibit A hereto and made a part hereof (the “Property”); and WHEREAS, the Property (shown in Exhibit A) is subject to the provisions of a certain Forgivable Loan Agreement (Edina SPARC Fund) (the “Agreement”), dated as of _______________, between Borrower and the Housing and Redevelopment Authority of Edina, Minnesota (the “Authority”); and WHEREAS, pursuant the Agreement, the Authority provided a Loan to Borrower evidenced by a certain Note (as such terms are defined in the Agreement); and WHEREAS, Borrower has fully and duly performed all of the covenants and conditions of Borrower under the Agreement with respect to the Project and the Loan. NOW, THEREFORE, it is hereby certified that all requirements of Borrower under the Agreement with respect to the Project and Loan have been completed and duly and fully performed, and this instrument is to be conclusive evidence of the satisfactory termination of the covenants and conditions of the Agreement as they relate to the Loan, and the Loan is hereby fully forgiven and satisfied. Dated this ____ day of ____________, 20__. Housing and Redevelopment Authority of Edina, Minnesota By: ___________________________________ Chair By: ___________________________________ Secretary Page 111 of 166 W-18 4938-7770-2742\2 Exhibit A Legal Description Page 112 of 166 4923-4128-8278\2 FIRST AMENDMENT to Redevelopment Agreement (7235 France Avenue – SW Element) by and among City of Edina, Minnesota, Housing and Redevelopment Authority of Edina, Minnesota, and Lifestyle Communities, LLC Dated as of August 19, 2025 THIS DOCUMENT WAS DRAFTED BY: Dorsey & Whitney LLP 50 South Sixth Street, Suite 1500 Minneapolis, MN 55402-1498 Page 113 of 166 1 4923-4128-8278\2 FIRST AMENDMENT TO REDEVELOPMENT AGREEMENT (7235 France Avenue – SW Element) THIS FIRST AMENDMENT TO REDEVELOPMENT AGREEMENT (“Amendment”) is made and entered into as of August 19, 2025 (the “First Amendment Effective Date”) by and among the City of Edina, Minnesota, a Minnesota statutory city (the “City”), the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Authority”) and Lifestyle Communities, LLC, a Minnesota limited liability company (“Developer”). RECITALS A. The City, the Authority, and Developer are parties to a Redevelopment Agreement dated November 19, 2024 (the “Existing Agreement”). B. Upon the terms and conditions set forth in the Existing Agreement, the Authority agreed to provide Developer with certain TIF Assistance in connection with Developer’s redevelopment of certain property located within the City’s 72nd and France #3 Tax Increment Financing District, as such property is more particularly described in the Existing Agreement. C. As set forth in the Existing Agreement, in order for the Authority to provide Developer with TIF Assistance, Developer must construct certain Minimum Improvements on or before corresponding Completion dates and satisfy other conditions, all as set forth in the Existing Agreement. D. It is not unusual for multi-phase redevelopment projects to encounter changes and delays that reflect evolving conditions in the local, regional and national economy. It remains in the interest of the City and Authority to consider reasonable changes to the Existing Agreement to allow the site to be successfully redeveloped. E. Due to current economic conditions, Developer was unable to meet the required Completion date for the Real Estate Land Closing. The Developer has negotiated an extension of the Real Estate Land Closing and requests that the schedule for the redevelopment contemplated under the Existing Agreement be extended accordingly. Therefore, upon the terms and conditions set forth in this Amendment, the Authority and the City have agreed to extend certain Completion dates by approximately nine (9) months, and otherwise amend the Existing Agreement as set forth herein. NOW, THEREFORE, in consideration of the promises and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: 1. Recitals; Definitions. The Recitals are true and correct statements of fact and are incorporated into this Amendment by this reference, including the definitions set forth therein. Each capitalized term used herein and the Recitals, unless otherwise defined, shall have the respective meaning ascribed to such term in the Existing Agreement. The “Agreement” is the Existing Agreement as amended by this Amendment. 2. Commencement and Completion of Minimum Improvements. Section 3.1.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 2. Page 114 of 166 2 4923-4128-8278\2 “3.1.1 Minimum Improvements Timeline. The timeline for the Commencement and Completion of the Minimum Improvements is identified in this Section 3.1. Following Commencement, construction or other activity must continue, without interruption, in a sequence consistent with normal redevelopment and construction practices. Failure to meet any of the dates identified as “No Later Than” shall be considered a Default, unless mutually determined to be the result of Unavoidable Delay. The Commencement and Completion timeline for the Minimum Improvements is as follow:” Commencement Date Completion Date Description of Work Anticipated No Later Than Anticipated No Later Than Real Estate Land Closing N/A N/A 09/18/2025 03/15/2026 Demolition 06/01/2026 01/01/2027 08/01/2026 03/01/2027 Site Remediation 08/01/2026 02/01/2027 10/01/2026 12/01/2028 Site Preparation 10/01/2026 03/01/2027 12/01/2026 12/01/2028 Go-Ahead Letter N/A N/A 05/01/2027 12/01/2028 Foundation 03/01/2027 12/01/2028 N/A N/A Shell and Base Interior Construction 03/01/2027 12/01/2028 08/01/2029 02/01/2031 Certificate of Occupancy (shell building) N/A N/A 07/01/2029 02/01/2031 3. Delegation of Certain Obligations to Master Developer. The following is hereby added to the Existing Agreement as Section 3.9: “3.9 Delegation of Certain Obligations to Master Developer. Notwithstanding any provision to the contrary in the Agreement, Developer and Enclave shall each have the right, upon the prior written consent of the Authority’s Executive Director, to delegate responsibility to complete all Demolition, Site Remediation, and Site Preparation, including but not limited to rough grading, soil correction and stabilization, utilities, curb and gutter, storm water system, internal roadways, sidewalks and bicycle trails on to their respective Lot(s) (collectively, the “Delegated Obligations”) to the other, such that either Developer or Enclave (as applicable, the “Master Developer”) shall be responsible for performing all Delegated Obligations for the entire Project Area. Developer shall provide written notice to the City and the Authority prior to any such delegation including a description of which entity will be responsible for the work and the cost distribution of the work performed by the Master Developer. Any delegation from Developer to Enclave pursuant to this Section shall not relieve Developer of its obligations under the Agreement, and Developer shall remain jointly and severally liable with Enclave for the full and timely performance of the Delegated Obligations.” Page 115 of 166 3 4923-4128-8278\2 4. Creation of TIF District; Certification. Section 12.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 4. This amended Section 12.1 reflects the amended Real Estate Land Closing date set forth above and is intended to provide a reliable stream of Tax Increments. “12.1 Creation of TIF District; Certification. The Authority and City have taken all necessary actions to create and establish the TIF District as of the Effective Date. The TIF District has been created and established as a “redevelopment” district under the TIF Act. The Authority will cause the TIF District to be certified promptly following the Real Estate Land Closing, such that Tax Increments will be become available in accordance with the TIF Plan. Developer acknowledges and agrees that the Authority and the City may take appropriate steps to modify the TIF District in the future, including, without limitation, incorporating additional land into the TIF District or modifying the first collection year. Developer shall cooperate with the Authority and the City with any such future modification, including to execute and deliver any supplements or modifications to this Agreement that are reasonably required in connection therewith, provided that no such modification or supplement shall (a) increase any obligation of Developer hereunder or (b) adversely affect any right of or benefit of Developer hereunder.” 5. SPARC Fund Forgivable Loan. Section 12.9.1.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 5. This amended Section 12.9.1.1 reflects a recent change in state law governing unallocated Tax Increment funds. “12.9.1.1. The Authority has elected to use the SPARC Fund to offset the principal amount of the NW Element TIF Note, SW Element TIF Note and/or East Element Note by a cumulative amount of the lesser of $1,500,000 (subject to adjustment as provided below) and the amount of the SPARC Fund Qualified Costs (as defined below), by providing a forgivable loan funded through the SPARC Fund (the “SPARC Forgivable Loan”) pursuant to the terms and conditions of a loan agreement in substantially the form attached as Exhibit W to this Amendment (the “SPARC Forgivable Loan Agreement”). All costs related to the Project that have been expended by the Developer by December 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), excluding land acquisition, but including, without limitation, all Project costs shown on Exhibit B of the SPARC Forgivable Loan Agreement attached hereto, shall be eligible for reimbursement from the SPARC Fund under the terms and conditions of the SPARC Forgivable Loan Agreement (collectively, “SPARC Fund Qualified Costs”). The Authority shall use good faith, commercially reasonable efforts to notify Developer of its election to use SPARC Funds in an amount greater than $1,500,000 prior to July 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority). Following such notice, the Developer and the Authority shall use good faith efforts to meet and confer regarding the potential use of additional SPARC Funds. On or before September 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), Developer and Enclave will notify the Authority of the amount of the SPARC Forgivable Loan allocated to the NW Element, SW Element and East Element. Developer shall use good faith, commercially reasonable efforts to expend the SPARC Fund Qualified Costs by December 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), but failure of Developer to do so shall not be a Default under this Agreement. On or before December 15, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), Developer and the Authority shall execute the SPARC Fund Loan Agreement, in the Page 116 of 166 4 4923-4128-8278\2 principal amount, if any of the SPARC Fund Forgivable Loan is allocated to the SW Element, and the SW Element TIF Note will be reduced by such amount. 6. Ratification. Except as specifically modified by this Amendment, the terms and provisions of the Existing Agreement shall remain in full force and effect. 7. Binding Effect. This Amendment amends and supplements the Agreement. If there is a conflict between the provisions of the Existing Agreement and this Amendment, the provisions of this Amendment shall control. This Amendment shall be binding upon and inure to the benefit of the City, the Authority, Developer, and their respective successors and assigns. 8. Counterparts. This Amendment may be executed simultaneously in one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. Facsimile or email copies shall be deemed originals. [Remainder of page intentionally left blank; signature pages follow] Page 117 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – SW Element)] 4923-4128-8278\2 IN WITNESS WHEREOF, the City, the Authority and Developer have caused this Amendment to be duly executed in their names and on their behalf, all on or as of the date first above written. CITY OF EDINA, MINNESOTA By: _____________________________ James B. Hovland, Mayor By: _____________________________ Scott H. Neal, City Manager STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ____ day of _______________, 2025, by James B. Hovland and Scott H. Neal, the Mayor and City Manager, respectively, of the City of Edina, Minnesota, on behalf of the City of Edina. Notary Public Page 118 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – SW Element)] 4923-4128-8278\2 HOUSING AND REDEVELOPMENT AUTHORITY OF EDINA, MINNESOTA By: ______________________________ James B. Hovland, Chair By: ______________________________ James Pierce, Secretary STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ____ day of _______________, 2025, by James B. Hovland and James Pierce, the Chair and Secretary, respectively, of the Housing and Redevelopment Authority of Edina, Minnesota, on behalf of said Authority. Notary Public Page 119 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – SW Element)] 4923-4128-8278\2 LIFESTYLE COMMUNITIES, LLC a Minnesota limited liability company By: ________________________________________ Name: ______________________________________ Its: _________________________________________ STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ___ day of _______________, 2025, by __________________, the _______________________ of LIFESTYLE COMMUNITIES, LLC, a Minnesota limited liability company, on behalf of the limited liability company. Notary Public Page 120 of 166 W-1 4923-4128-8278\2 EXHIBIT W Form of SPARC Loan Agreement Forgivable Loan Agreement (Edina SPARC Fund – SW Element) This Forgivable Loan Agreement (Edina SPARC Fund – SW Element) (this “Agreement”), made and entered into as of this ____ day of ____________, between the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Authority”), and Lifestyle Communities, LLC, a Minnesota limited liability company (“Borrower”). Recitals: A. Borrower is the owner of that certain land located at located at 7235 France Avenue, Edina, Minnesota, as legally described on Exhibit A (the “Project Area”). B. Borrower, the Authority, and the City of Edina, Minnesota (the “City) are parties to that certain Redevelopment Agreement (SW Element), dated ______________, 2024 (the “Redevelopment Agreement”), pursuant to which the Authority and the City have agreed to provide certain financial support to Borrower in connection with Borrower’s redevelopment of the Project Area by demolition of an existing retail building and related parking and improvements located within the Project Area and the development and construction of certain “Minimum Improvements” consisting generally of an 11-story (approximately 155-foot tall) mixed-use building containing approximately 43,714 square feet of mixed-use space, approximately 49 age-restricted resident-owned units, approximately 7,046 square feet of retail space and an approximately 280-stall parking garage, and certain related public improvements (collectively, the “Project”). C. Upon completion, the Project is anticipated to deliver many benefits to the general public. In addition to the redevelopment of an underutilized building and long-term increase in the property tax base, the Project will deliver additional public benefits including: creation of new affordable housing units, stormwater improvements, environmental remediation, streetscape improvements, permanent sustainability features and public parking. Upon completion, the Project will also enable several improvements to the local transportation network including improvements for pedestrians, bicyclists, and motorists. These improvements are intended to benefit the Project, the adjacent properties, the surrounding neighborhoods and the general public who travel to and through this area. D. Pursuant to the temporary authority for use of increment granted by Minnesota Statutes, Section 469.176, subdivision 4(n) (the “Act”) on October 28, 2021, the Authority adopted, and on November 16, 2021, the City approved a written spending plan (which may be amended from time to time) for unobligated tax increment monies (the “Spending Plan”) and established the Special Projects and Redevelopment Capital Fund (the “SPARC Fund”) to encourage and incentivize new private investment in the City’s commercial and industrial districts by providing loans, grants and/or equity for development projects in accordance with the Spending Plan. E. As set forth in the Redevelopment Agreement, pursuant to the Act and the Spending Plan, and subject to the terms and conditions of this Agreement, the Authority, believing that the Project is in the best interest of the City, desires to provide a forgivable loan of unobligated tax increment revenue to Borrower from the SPARC Fund in the maximum principal amount of $________ (the “Loan”) to assist in Page 121 of 166 W-2 4923-4128-8278\2 financing the Project, such Loan being referred to in the Redevelopment Agreement as the “SPARC Forgivable Loan”. F. The SPARC Forgivable Loan will be used as a substitute for all or a portion of the SW Element TIF Note anticipated to be issued in the Redevelopment Agreement. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, and in consideration of the mutual covenants and agreements hereinafter contained, the parties hereto hereby agree as follows: ARTICLE I RECITALS; EXHIBITS, DEFINITIONS Section 1.01 Recitals. The foregoing Recitals are true and correct statements of fact and are incorporated into this Agreement by this reference, including the definitions set forth therein. Section 1.02 Exhibits. All Exhibits referred to in and attached to this Agreement upon execution are incorporated in and form a part of this Agreement as if fully set forth herein. Section 1.03 Definitions. Unless otherwise defined herein or unless context requires otherwise, undefined terms used herein shall have the meanings set forth in the Redevelopment Agreement. All defined terms may be used in the singular or the plural, as the context requires. ARTICLE II REPRESENTATIONS AND WARRANTIES Section 2.01 Authority Representations. The Authority makes the following representations to Borrower: (a) The Authority is a public body corporate and politic and a governmental subdivision of the state of Minnesota, duly organized and existing under State law and the Authority has the authority to enter into this Agreement and carry out its obligations hereunder. (b) The Authority has the power under applicable state law to enter into this Agreement and carry out its obligations hereunder. Section 2.02 Borrower Representations. Borrower makes the following representations to the Authority: (a) Borrower is a limited liability company under the laws of the State of Minnesota and has power to enter into this Agreement and has duly authorized, by all necessary corporate action, the execution and delivery of this Agreement. (b) Neither the execution or 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 by, limited by, conflicts with, or results in a breach of, any restriction, agreement or instrument to which Borrower is now a party or by which Borrower is bound. (c) There is no legal or regulatory proceeding or investigation pending or, to the knowledge of Borrower, threatened (or any basis therefor) against Borrower or the Project, which, when Page 122 of 166 W-3 4923-4128-8278\2 and however decided, could have a material adverse effect on the condition or business of Borrower or its ability to perform its obligations under this Agreement. (d) Borrower has no actual knowledge that any member of the Board of the Authority, or any other officer of the Authority or the City has any direct or indirect financial interest in Borrower, the Project Area, or the Project. (e) Borrower would not undertake the Project without the financial assistance to be provided by the Authority pursuant to this Agreement. The foregoing representations and warranties, as well as the facts contained in the Recitals, shall be continuing in nature and shall be true and correct as of the date made, at the date of the initial advance and at the dates of all subsequent advances of the proceeds of the Loan. ARTICLE III SPARC FUND LOAN Section 3.01 Loan for Qualified Costs. The Authority agrees to make the Loan to Borrower subject to the following terms and conditions, and the other terms, conditions, and restrictions of this Agreement: (a) The maximum principal amount of the Loan will be $__________, which represents the amount of Qualified Costs (defined below) that are anticipated to be expended by Borrower on or before the Disbursement Request Deadline. (b) The Loan funds may be used to pay for those costs incurred by Borrower in connection with the Project that have been expended by the Developer by [December 1, 2026], excluding land acquisition, but including, without limitation, all Project costs shown on Exhibit B attached hereto (collectively, “Qualified Costs”). (c) The Loan shall be evidenced by a note to be executed by Borrower and delivered to the Authority, the form of which is attached hereto as Exhibit C (the “Note”). (d) Upon the occurrence and during the continuance of an Event of Default, the unpaid principal of the Loan shall bear interest at the rate described in the Note. Section 3.02 Loan Disbursement; Disbursement Request. (a) Promptly following receipt of the Go-Ahead Letter, the Authority will deposit funds in the amount of the Loan with an escrow agent (to be mutually agreed upon by the Authority and Borrower) (the “Escrow Agent”) to be disbursed to pay Qualified Costs pursuant to the terms of this Agreement upon review and approval of disbursement requests as provided herein. (b) Requests for disbursement of portions of the Loan shall be originated by Borrower by delivering to the Authority and the Escrow Agent a disbursement request in the form acceptable to the Escrow Agent and approved by the Authority (the “Disbursement Request”) in its reasonable discretion. Within 10 working days after receipt of the Disbursement Request, the Authority shall approve or disapprove the Disbursement Request, and if approved, shall forward the Disbursement Request and a sufficient amount of the Loan to pay said Disbursement Request to Escrow Agent, subject to the condition that, before disbursing such Loan advance, Escrow Agent must obtain partial and/or full lien waivers, lien releases or lien satisfactions, in the customary form from the general contractor and all Page 123 of 166 W-4 4923-4128-8278\2 subcontractors and material suppliers with whom the general contractor has contracted with in connection with the Qualified Costs of the Project. If the Escrow Agent is unable to obtain such waivers, releases and/or satisfactions with respect to any Disbursement Request, the Authority shall be entitled, but not obligated, to revoke its approval of such Disbursement Request. Borrower hereby agrees to indemnify, defend and hold harmless the Authority and Escrow Agent from any and all claims, demands or costs associated with the disbursement of the Loan, including reasonable attorney’s fees arising therefrom. The foregoing notwithstanding, upon the consent of the Authority, which shall not be unreasonably withheld, conditioned or delayed, the disbursement process set forth in this Section may be modified if required by the lender that funds Borrower’s loan funding of construction of the Project (the “Borrower’s Lender”). (c) No Disbursement Request may be submitted to the Authority later than [December 1, 2026] (“Disbursement Request Deadline”) in order for the Authority to make all Loan advances and pay the corresponding Qualified Costs before the SPARC Expiration Date (as defined below), and, notwithstanding anything herein to the contrary, the Authority shall have no obligation to accept any Disbursement Request or to make any Loan advances after the SPARC Expiration Date. Section 3.03 Satisfaction of Conditions Precedent. Notwithstanding anything to the contrary contained herein, the Authority’s obligation to advance any portion of the Loan shall be subject to satisfaction, or waiver in writing by the Authority, of all of the following conditions precedent: (a) Borrower shall have executed and delivered the Note to the Authority. (b) There shall then be no uncured Event of Default and no act, event, condition or omission shall have occurred which, with the giving of notice or lapse of time or both, would constitute an Event of Default hereunder or under the Redevelopment Agreement, and the Authority shall have received a certificate to that effect dated the date of each such advance and signed by Borrower. (c) The representations of Borrower set forth in Section 2.02 shall continue be true and correct in all material respects as of the date of such advance. Section 3.04 Loan Forgiveness . So long there is then no uncured Event of Default, upon the Authority’s issuance of the Certificate of Completion in accordance with the Redevelopment Agreement, the Authority shall forgive the Loan by furnishing Borrower with a certification in the form attached hereto in Exhibit D (the “Certificate of Forgiveness”) reasonably promptly after Borrower’s request. If the Authority shall refuse or fail to provide a Certificate of Forgiveness within 30 days following Borrower’s request, the Authority shall provide Borrower with a written statement specifying in what respects Borrower has failed to comply with the Agreement, the Loan, or is otherwise in default, and what measures or acts will be necessary, in the reasonable opinion of the Authority, for Borrower to obtain the Certificate of Forgiveness. Notwithstanding herein to the contrary, subject to Unavoidable Delays, in no event will the Authority be obligated to forgive the Loan, if Borrower has not obtained the Certificate of Completion in accordance with the Redevelopment Agreement by May 1, 2032 unless that date has been amended in the Redevelopment Agreement (“Completion Deadline”). Section 3.05 Nature of Edina SPARC Fund. The authority for the Authority to transfer or loan unobligated incremental property taxes under the Act (as the same have been allocated to the SPARC Fund) expires on [December 1, 2026] (the “SPARC Expiration Date”) and all such transferred increments must be spent by such SPARC Expiration Date. As such, to minimize the amount of increment that the Authority would be require to “return” under the Act, if the Loan is not fully forgiven as provided herein, any amounts Page 124 of 166 W-5 4923-4128-8278\2 paid or repaid to the Authority by Borrower shall be from sources of funds of Borrower other than the loaned unobligated incremental property taxes from the SPARC Fund. ARTICLE IV DEFAULTS AND REMEDIES Section 4.01 Borrower Events of Default. Subject to Unavoidable Delay, 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 (unless the context otherwise provides), any one or more of the following events: (a) Failure by Borrower to obtain the Certificate of Completion in accordance with the Redevelopment Agreement by the Completion Deadline. (b) Failure of Borrower to timely pay to the Authority any amounts required to be paid by Borrower hereunder. (c) Except as provided in Sections 4.01(a) through (b) hereof, failure by Borrower to observe or perform any other covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement, and the continuation of such failure for a period of 30 days after written notice of such failure from the Authority; provided, however, if any such failure reasonably requires more than 30 days to cure, such failure shall not constitute an Event of Default, provided Borrower promptly commenced such cure upon receipt by Borrower of the written notice of the default, and with due diligence is thereafter continuously prosecutes such cure to completion and is completed within a reasonable period of time, and provided that Borrower keeps the Authority informed at all times of its progress in curing the default, provided that in no event shall such additional cure period for any default extend beyond 90 days. (d) The occurrence of an Event of Default under the Redevelopment Agreement. Section 4.02 Authority Remedies on Borrower Default. Upon the occurrence of an Event of Default, the Authority may take any one or more of the following actions: (a) Suspend its performance under this Agreement (including, without limitation, refraining from making any Loan advance under this Agreement) until it receives assurances from Borrower deemed reasonably adequate by the Authority, that Borrower will cure the Event of Default and continue its performance under this Agreement, but Lender may make Loan advances after the happening of any such event without hereby waiving the right to refrain from making other or further Loan advances or to exercise any of the other rights Lender may have. (b) In the case of a material default that is not cured within a reasonable period of time, terminate all rights of Borrower under this Agreement. (c) Withhold the Certificate of Completion under the Redevelopment Agreement. (d) Withhold the Certificate of Forgiveness. (e) To declare the entire unpaid principal of the Loan and all accrued interest thereon immediately due and payable without further notice. Page 125 of 166 W-6 4923-4128-8278\2 (f) Take whatever action at law or in equity may appear necessary or desirable to the Authority to enforce performance and observance of any obligation, agreement, or covenant of Borrower under this Agreement. Section 4.03 Authority Default; Remedies Upon Authority Default. In the event the Authority should fail to observe or perform any covenant, agreement or obligation of the Authority on its part to be observed and performed under this Agreement and such failure continues for more than 30 days after written notice by Borrower to the Authority of such failure, Borrower may take any one or more of the following actions: (a) Suspend its performance under this Agreement until it receives assurances from the Authority deemed adequate by Borrower, that the Authority will cure its default and continue its performance under this Agreement. (b) In the case of a material default that is not cured within a reasonable period of time, terminate all rights of the Authority under this Agreement. (c) Take whatever action at law or in equity may appear necessary or desirable to Borrower to enforce performance and observance of any obligation, agreement, or covenant of the Authority under this Agreement. Section 4.04 No Remedy Exclusive. No remedy herein conferred upon or reserved to the Authority, or to Borrower 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. In order to entitle the Authority, or Borrower to exercise any remedy reserved to them, it shall not be necessary to give notice, other than such notice as may be required under this Agreement. Section 4.05 Waivers. All waivers by any party to this Agreement shall be in writing. If any provision of this Agreement is breached by any party and thereafter waived by another party, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 4.06 Agreement to Pay Costs and Attorneys’ Fees. Whenever any Event of Default occurs and the non-defaulting party shall employ attorneys or incur any other costs or 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 defaulting party herein contained, the defaulting party agrees that it shall, on demand therefor, pay to the Authority the reasonable fees of such attorneys and such other expenses so incurred by the non-defaulting party, together with interest thereon at the rate of interest for the Loan set forth in the Note. ARTICLE V INSURANCE; INDEMNIFICATION Section 5.01 Insurance. Borrower will, at its expense, carry such type and amount of insurance concerning the contents of the Project Area as is required under the Redevelopment Agreement. Page 126 of 166 W-7 4923-4128-8278\2 Section 5.02 Indemnification. (a) Borrower releases and covenants and agrees that the Authority, and its respective governing body members and elected officials, officers, employees, agents, independent contractors and attorneys (collectively the “Indemnified Parties”), shall not be liable for and agrees to indemnify, defend, and hold harmless the Indemnified Parties against any loss or damage to property or any injury to or death of any person occurring at or about, or resulting from any defect in the Project constructed by Borrower, except to the extent attributable to the negligence or intentional misconduct of any Indemnified Party. (b) Except to the extent of the negligence or intentional misconduct of any Indemnified Party, Borrower shall indemnify and defend the Indemnified Parties, now and forever, and further agrees to hold the aforesaid harmless from any claims, demands, suits, costs, expenses (including reasonable attorney’s fees), actions or other proceedings whatsoever by any person or entity whatsoever arising or purportedly arising from the actions or inactions of Borrower, or any of its owners, agents, contractors, or employees, under this Agreement or the transactions contemplated hereby, including, without limitation, the acquisition, construction, installation, ownership, and/or operation of the Project. ARTICLE VI PROHIBITIONS AGAINST ASSIGNMENT AND TRANSFER Section 6.01 Except as permitted under the Redevelopment Agreement, Borrower shall not sell, assign, convey, lease or transfer in any other mode or manner any of its right, title, and interest in and to all or any part of the Project Area or this Agreement without the express written approval of the Authority. For avoidance of doubt, Borrower may assign this Agreement simultaneously with any assignment of the Redevelopment Agreement and to the same assignee of the Redevelopment, subject to the same terms, conditions, and requirements applicable to an assignment of the Redevelopment Agreement set forth in the Redevelopment Agreement. In the absence of specific written agreement by the Authority to the contrary, neither the transfer of the Project Area nor the assignment of this Agreement, or any portion thereof, prior to the issuance of the Certificate of Forgiveness will relieve Borrower of its obligations under this Agreement and the Note. ARTICLE VII ADDITIONAL PROVISIONS Section 7.01 Term of Agreement. This Agreement shall terminate on the earlier of the date (a) a Certificate of Forgiveness is provided to Borrower from the Authority, or (ii) the date this Agreement is terminated or rescinded in accordance with its terms (the “Termination Date”). Section 7.02 Damage or Destruction. Upon any damage or destruction of the Project Area, or any portion thereof, by fire or other casualty, before the Termination Date, should Borrower commence or cause to be commenced the process required to repair, reconstruct and restore the damaged or destroyed Project Area, or portion thereof, the Authority shall continue to provide the Loan contemplated herein. If, upon such damage or destruction of the Project Area, Borrower decides not to repair, reconstruct or restore the damaged or destroyed Project Area, the Authority shall not be required to provide the Loan contemplated herein. Section 7.03 Equal Employment Opportunity. Borrower, for itself and its successors and assigns, agrees that during the construction of the Project it will comply with any applicable affirmative action and nondiscrimination laws or regulations. Page 127 of 166 W-8 4923-4128-8278\2 Section 7.04 Restrictions on Use. Borrower agrees for itself, and its successors and assigns, and every successor in interest to the Project Area, or any part thereof, that Borrower, and such successors and assigns, shall devote the Project Area to, and only to and in accordance with, the uses specified in this Agreement and other agreements entered into between Borrower and the Authority, and shall not discriminate upon the basis of race, color, creed, religion, national origin, sex, marital status, disability, status with regard to public assistance, sexual orientation, and familial status in the sale, lease, or rental or in the use or occupancy of the Project Area or any improvements erected or to be erected thereon, or any part thereof. Section 7.05 Legal and Administrative Expenses. Borrower agrees to pay all fees and expenses incurred by the Authority in connection with review and analysis of the development proposed under this Agreement and the negotiating, approval and documentation of this Agreement, but not limited to, attorney and municipal advisor fees and expenses. Section 7.06 Notices and Demands. Except as otherwise expressly provided in this Agreement, a notice, demand or other communication under this Agreement by any party to any other shall be in writing and shall be sufficiently given or delivered if it is dispatched by reputable overnight courier, sent registered or certified mail, postage prepaid, return receipt requested, or delivered personally, and addressed to: Borrower at: Lifestyle Communities, LLC Attn: Ben Landhauser 4938 Lincoln Drive Edina, Minnesota 55436 with a copy to: Winthrop & Weinstine, P.A. Attn: Catherine L. Sjoberg 225 South Sixth Street, Suite 3500 Minneapolis, MN 55402 The Authority at: Housing and Redevelopment Authority of Edina, Minnesota Attention: Executive Director 4801 West 50th Street Edina, MN 55424 with a copy to: Dorsey & Whitney LLP Attention: Jay R. Lindgren 50 South Sixth Street, Suite 1500 Minneapolis, MN 55402 or at such other address with respect to any such party as that party may, from time to time, designate in writing and forward to the other, as provided in this section. Section 7.07 Governing Law, Jurisdiction, Venue and Waiver of Trial by Jury. All matters, whether sounding in tort or in contract, relating to the validity, construction, performance, or enforcement of this Agreement shall be controlled by, interpreted and determined in accordance with the laws of the state of Minnesota without regard to its conflict and choice of law provisions. Any litigation arising out of this Agreement shall be venued exclusively in Hennepin County District Court, Fourth Judicial District, state of Minnesota and shall not be removed therefrom to any other federal or state court. The Authority and Borrower hereby consent to personal jurisdiction and venue in the foregoing court. The Authority and Borrower hereby waive trial by jury for any litigation arising out of this Agreement. Page 128 of 166 W-9 4923-4128-8278\2 Section 7.08 Severability. If any term or provision of this Agreement is determined to be invalid or unenforceable under applicable Law, the remainder of this Agreement shall not be affected thereby, and each remaining term or provision of this Agreement shall be valid and enforceable to the fullest extent permitted by applicable Law. Section 7.09 Consents and Approvals. Whenever the terms “consent,” “approve,” or “approval” are used herein, they shall mean consent or approvals which shall not be unreasonably conditioned or delayed, unless specifically provided otherwise. All consents or approvals must be delivered in writing in order to be effective. Section 7.10 Additional Documents. When reasonably requested to do so by another party, each party shall execute or cause to be executed any further documents as may be reasonably necessary or expedient and within their lawful obligation in order to consummate the transactions provided for in, and to carry out the purpose and intent of, this Agreement. Section 7.11 Limitation. All covenants, stipulations, promises, agreements and obligations of the Authority or Borrower contained in this Agreement shall be deemed to be the covenants, stipulations, promises, agreements and obligations of the Authority and Borrower, and not of any governing body member, officer, agent, servant, manager or employee of the Authority or Borrower in the individual capacity thereof. Section 7.12 Authority Approval. Unless the Board, as applicable, determines otherwise in its discretion, all approvals and other actions required of or taken by the Authority shall be effective upon action by the Authorized Representative of the Authority, as applicable (or in either case his/her designee), unless (a) this Agreement explicitly provides for approval by the Board of the Authority, (b) approval by the Board is required by law or (c) the approval, in the opinion of the Executive Director, would result in a material change in the terms of this Agreement. Section 7.13 Superseding Effect. This Agreement reflects the entire agreement of the parties with respect to the items covered by this Agreement, and supersedes in all respects all prior agreements of the parties, whether written or otherwise, with respect to the items covered by this Agreement. Section 7.14 Relationship of Parties. Nothing in this Agreement is intended, or shall be construed, to create a partnership or joint venture among or between the parties hereto, and the rights and remedies of the parties hereto shall be strictly as set forth in this Agreement. Section 7.15 Survival of Terms. The following Sections will survive the expiration or earlier termination of this Agreement: Section 4.02 through 4.06 [Remedies on Default, etc.] to the extent of any Event of Default arising prior to such termination or expiration; Section 5.01 [Insurance]; Section 5.02 [Indemnification]; Section 7.06 [Notices and Demands]; Section 7.07 [Governing Law, Jurisdiction, Venue and Waiver of Trial by Jury]; Section 7.11 [Limitation]; Section 7.17 [No Waiver of Governmental Immunity and Limitations on Liability]; and Section 7.18 [Limited Liability]. Section 7.16 Data Practices Act. Borrower acknowledges that all of the data created, collected, received, stored, used, maintained, or disseminated by Borrower with regard to the performance of its duties under this Agreement are subject to the requirements of Chapter 13, Minnesota Statutes. Section 7.17 No Waiver of Governmental Immunity and Limitations on Liability. Nothing in this Agreement shall in any way affect or impair the Authority’s immunity or the immunity of the Authority’s employees, consultants and contractors, whether on account of official immunity, legislative immunity, statutory immunity, discretionary immunity or otherwise. Nothing in this Agreement shall in Page 129 of 166 W-10 4923-4128-8278\2 any way affect or impair the limitations on the Authority’s liability or the liability of the Authority’s employees, consultants and independent contractors. By entering into this Agreement, the Authority does not waive any rights, protections, or limitations as provided under law and equity for the Authority, or of their respective employees, consultants and contractors. Section 7.18 Limited Liability. Notwithstanding anything to contrary provided in this Agreement, it is specifically understood and agreed, such agreement being the primary consideration for the execution of this Agreement by Borrower, that (a) there should be absolutely no personal liability on the part of any director, officer, manager, member, employee or agent of Borrower or the Authority with respect to any terms, covenants and conditions in this Agreement; (b) Borrower and the Authority waive all claims, demands and causes of action against the other parties’ directors, officers, managers, members, employees and agents in any Event of Default, by either party, as the case may be, of any of the terms, covenants and conditions of this Agreement to be performed by either party; and (c) Borrower and the Authority, as the case may be, shall look solely to the assets of the other party for the satisfaction of each and every applicable remedy in the Event of Default by any party, as the case may be, of any of the terms, covenants and conditions of this Agreement such exculpation of liability to be absolute and without any exception whatsoever. Section 7.19 Time is of the Essence. Time is of the essence of this Agreement and each and every term and condition hereof; provided, however, that if any date herein set forth for the performance of any obligations by Borrower or the Authority or for the delivery of any instrument or notice as herein provided should not be on a business day, the compliance with such obligations or delivery shall be deemed acceptable on the next following business day. Section 7.20 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original, and all of such counterparts shall constitute one document. To facilitate execution of this Agreement, the parties may execute and exchange signature pages via DocuSign, Tagged Image File Format (“TIFF”) or via electronic mail (*.pdf or similar file types). The parties further agree that counterparts of this Agreement may be signed electronically via Adobe Sign, DocuSign protocol or another electronic platform. All such signatures may be used in the place of original “wet ink” signatures to this Agreement and shall have the same legal effect as the physical delivery of an original signature. Section 7.21 Amendments. This Agreement shall not be amended unless in writing and executed by the parties hereto.. Section 7.22 Titles of Articles and Sections. Any titles of the several parts, Articles, and Sections of this Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section 7.23 Binding Effect. This Agreement shall inure to the benefit of and shall be binding upon the Authority and Borrower and their respective successors and assigns. [SIGNATURES APPEAR ON FOLLOWING PAGES] Page 130 of 166 [Signature Page to Forgivable Loan Agreement (SPARC) (7235 France Avenue – SW Element)] W-11 4923-4128-8278\2 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the date first above written. Housing and Redevelopment Authority of Edina, Minnesota By: ______________________________ James B. Hovland, Chair By: ______________________________ James Pierce, Secretary Page 131 of 166 [Signature Page to Forgivable Loan Agreement (SPARC) (7235 France Avenue – SW Element)] W-12 4923-4128-8278\2 LIFESTYLE COMMUNITIES, LLC, a Minnesota limited liability company By: __________________________________________ Name: _______________________________________ Its: _________________________________________ STATE OF _______________ ) ) ss. COUNTY OF _____________ ) The foregoing instrument was acknowledged before me this ___ day of _______________, 202___, by , a of Lifestyle Communities, LLC, a Minnesota limited liability company, on behalf of the limited liability company. _____________________________________________ Notary Public Page 132 of 166 W-13 4923-4128-8278\2 Exhibit A Legal Description Page 133 of 166 W-14 4923-4128-8278\2 Exhibit B Non-Exhaustive List of Qualified Costs 1. Architectural Design Fees 2. Structural Design Fees 3. Civil Engineering Design Fees 4. Landscaping Design Fees 5. MEP (Mechanical, Electrical, Plumbing) Design Fees 6. Environmental Assessment Worksheet Fees 7. Wind Study Analysis Fees 8. Geotechnical Soil Evaluation Fees 9. Environmental Site Assessment Fees (Phase I, Phase II, RAP/CCP, MPCA) 10. Demolition, Site Clean Up, Soil Corrections, Grading 11. Construction and/or Relocation of Utilities (Sanitary Sewer, Water, Storm Water, Electric, Communications) 12. Other costs as approved by City Manager; provided, however, in no event shall any fees or expenses paid to the City qualify as SPARC Fund Qualified Costs Page 134 of 166 W-15 4923-4128-8278\2 Exhibit C Form of Note No. R-1 $_____________ UNITED STATES OF AMERICA STATE OF MINNESOTA FORGIVABLE NOTE FOR VALUE RECEIVED, the undersigned, Lifestyle Communities, LLC, a Minnesota limited liability company (“Borrower”), promises to pay to the order of the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Lender”), on or before May 1, 2032 (the “Maturity Date”, such date being the Completion Deadline under the Loan Agreement), the sum of $_____________, or so much as is advanced by Lender to, or for the benefit of, Borrower pursuant to that certain Forgivable Loan Agreement (Edina SPARC Fund), dated of even date herewith, as the same may be amended from time to time (the “Loan Agreement”), together with interest on the unpaid principal balance from time to time outstanding from the date of this Forgivable Note (this “Note”). Terms used herein but not otherwise defined, shall have the meaning attributed to them in the Loan Agreement. 1. This Note is subject to forgiveness by Lender subject to the terms and conditions of the Loan Agreement. If, as of the Maturity Date, Lender has not issued a Certificate of Forgiveness in accordance with the Loan Agreement, the unpaid principal balance of this Note, together with any accrued but unpaid interest, shall be immediately due and payable in full on the Maturity Date. 2. After maturity, whether by acceleration, the passage of time or otherwise, and during the continuance of an Event of Default under the Loan Agreement, the outstanding principal balance of this Note and accrued, unpaid interest shall bear interest at the rate which is six percent (6.0%) per annum until paid in full. Interest shall be calculated based on the actual number of days in a month over a year of 360 days. 3. All such interest and principal payments shall be made by Borrower in immediately available funds and without notice, demand or offset. Each payment on this Note is payable in any coin or currency of the United States of America which on the date of such payment is legal tender for public and private debts and shall be made by check or draft made payable to Lender and mailed to Lender at the postal address within the United States designated from time to time by Lender. 4. The principal balance of this Note may from time to time be prepaid, at the option of Borrower, in whole or in part without penalty under this Note. 5. All payments and prepayments, at the option to Lender, shall be applied first to any costs of collection, second to any late charges, third to accrued interest on this Note, and lastly to principal. 6. The occurrence of an Event of Default, as defined in the Loan Agreement, shall constitute an Event of Default hereunder (hereinafter referred to as an “Event of Default”). Page 135 of 166 W-16 4923-4128-8278\2 Upon the occurrence of an Event of Default, Lender may take exercise all of its rights and remedies under the Loan Agreement, including, without limitation, declaring the outstanding unpaid principal balance of this Note, the accrued and unpaid interest thereon, and all other obligations of Borrower to Lender to be forthwith due and payable. Failure to exercise any right or remedy provided for or referenced herein shall not constitute a waiver of the right to exercise the same in connection with the applicable Event of Default or any subsequent Event of Default. 7. Borrower and all others who may become liable for the payment of all or any part of the debt under this Note do hereby severally waive presentment and demand for payment, notice of dishonor, notice of intention to accelerate, notice of acceleration, protest and notice of protest and non-payment and all other notices of any kind. No release of any security for this Note or extension of time for payment of this Note or any installment hereof, and no alteration, amendment or waiver of any provision of this Note or the Loan Agreement made by agreement between Lender or any other person shall release, modify, amend, waive, extend, change, discharge, terminate or affect the liability of Borrower or any other person who may become liable for the payment of all or any part of the debt under this Note or the Loan Agreement. No notice to or demand on Borrower shall be deemed to be a waiver of the obligation of Borrower or of the right of Lender to take further action without further notice or demand as provided for in this Note or the Loan Agreement. 8. Borrower agrees that if, and as often as, this Note is placed in the hands of an attorney for collection or to defend or enforce any of Lender’s rights hereunder or under the Loan, Borrower will pay to Lender its attorneys’ fees and all court costs (including attorneys’ fees and court costs prior to trial, at trial and on appeal, or in any bankruptcy proceeding) and other expenses incurred in connection therewith. 9. This Note shall be governed by and construed in accordance with the laws of the State of Minnesota, without giving effect to the choice of law provisions thereof. 10. The authority for Lender to transfer or loan unobligated incremental property taxes under the Act (as the same have been allocated to the SPARC Fund) expires on [December 31, 2026] (the “SPARC Expiration Date”) and all such transferred increments must be spent by such SPARC Expiration Date. As such, as provided in the Loan Agreement (a) no Disbursement Request may be submitted to the Authority later than [December 31, 2026] in order for the Authority to make all Loan advances and pay the corresponding Qualified Costs before the SPARC Expiration Date and (b) to minimize the amount of increment that Lender would be require to “return” under the Act, if the Loan is not fully forgiven as provided in the Loan Agreement, any amounts paid or repaid to Lender by Borrower shall be from sources of funds of Borrower other than the loaned unobligated incremental property taxes from the SPARC Fund. IN WITNESS WHEREOF, Borrower has caused this Note to be executed by the manual signatures of the ________________ of Borrower and has caused this Note to be dated as of _________________. LIFESTYLE COMMUNITIES, LLC, a Minnesota limited liability company By: Its: Page 136 of 166 W-17 4923-4128-8278\2 Exhibit D Certificate of Forgiveness WHEREAS, Lifestyle Communities, LLC, a Minnesota limited liability company (the “Borrower”), is the owner of property in the County of Hennepin and State of Minnesota described on Exhibit A hereto and made a part hereof (the “Property”); and WHEREAS, the Property (shown in Exhibit A) is subject to the provisions of a certain Forgivable Loan Agreement (Edina SPARC Fund) (the “Agreement”), dated as of _______________, between Borrower and the Housing and Redevelopment Authority of Edina, Minnesota (the “Authority”); and WHEREAS, pursuant the Agreement, the Authority provided a Loan to Borrower evidenced by a certain Note (as such terms are defined in the Agreement); and WHEREAS, Borrower has fully and duly performed all of the covenants and conditions of Borrower under the Agreement with respect to the Project and the Loan. NOW, THEREFORE, it is hereby certified that all requirements of Borrower under the Agreement with respect to the Project and Loan have been completed and duly and fully performed, and this instrument is to be conclusive evidence of the satisfactory termination of the covenants and conditions of the Agreement as they relate to the Loan, and the Loan is hereby fully forgiven and satisfied. Dated this ____ day of ____________, 20__. Housing and Redevelopment Authority of Edina, Minnesota By: ___________________________________ Chair By: ___________________________________ Secretary Page 137 of 166 W-18 4923-4128-8278\2 Exhibit A Legal Description Page 138 of 166 4904-8360-4822\1 FIRST AMENDMENT to Redevelopment Agreement (7235 France Avenue – East Element) by and among City of Edina, Minnesota, Housing and Redevelopment Authority of Edina, Minnesota, and Edina Enclave, LLC Dated as of August 19, 2025 THIS DOCUMENT WAS DRAFTED BY: Dorsey & Whitney LLP 50 South Sixth Street, Suite 1500 Minneapolis, MN 55402-1498 Page 139 of 166 1 4904-8360-4822\1 FIRST AMENDMENT TO REDEVELOPMENT AGREEMENT (7235 France Avenue – East Element) THIS FIRST AMENDMENT TO REDEVELOPMENT AGREEMENT (“Amendment”) is made and entered into as of August 19, 2025 (the “First Amendment Effective Date”) by and among the City of Edina, Minnesota, a Minnesota statutory city (the “City”), the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Authority”) and Edina Enclave, LLC, a Delaware limited liability company (“Developer”). RECITALS A. The City, the Authority, and Developer are parties to a Redevelopment Agreement dated November 19, 2024 (the “Existing Agreement”). B. Upon the terms and conditions set forth in the Existing Agreement, the Authority agreed to provide Developer with certain TIF Assistance in connection with Developer’s redevelopment of certain property located within the City’s 72nd and France #3 Tax Increment Financing District, as such property is more particularly described in the Existing Agreement. C. As set forth in the Existing Agreement, in order for the Authority to provide Developer with TIF Assistance, Developer must construct certain Minimum Improvements on or before corresponding Completion dates and satisfy other conditions, all as set forth in the Existing Agreement. D. It is not unusual for multi-phase redevelopment projects to encounter changes and delays that reflect evolving conditions in the local, regional and national economy. It remains in the interest of the City and Authority to consider reasonable changes to the Existing Agreement to allow the site to be successfully redeveloped. E. Due to current economic conditions, Developer was unable to meet the required Completion date for the Real Estate Land Closing. The Developer has negotiated an extension of the Real Estate Land Closing and requests that the schedule for the redevelopment contemplated under the Existing Agreement be extended accordingly. Therefore, upon the terms and conditions set forth in this Amendment, the Authority and the City have agreed to extend certain Completion dates by approximately nine (9) months, and otherwise amend the Existing Agreement as set forth herein. NOW, THEREFORE, in consideration of the promises and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: 1. Recitals; Definitions. The Recitals are true and correct statements of fact and are incorporated into this Amendment by this reference, including the definitions set forth therein. Each capitalized term used herein and the Recitals, unless otherwise defined, shall have the respective meaning ascribed to such term in the Existing Agreement. The “Agreement” is the Existing Agreement as amended by this Amendment. 2. Commencement and Completion of Minimum Improvements. Section 3.1.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 2. “3.1.1 Minimum Improvements Timeline. The timeline for the Commencement and Completion of the Minimum Improvements is identified in this Section 3.1. Following Page 140 of 166 2 4904-8360-4822\1 Commencement, construction or other activity must continue, without interruption, in a sequence consistent with normal redevelopment and construction practices. Failure to meet any of the dates identified as “No Later Than” shall be considered a Default, unless mutually determined to be the result of Unavoidable Delay. The Commencement and Completion timeline for the Minimum Improvements is as follow:” Commencement Date Completion Date Description of Work Anticipated No Later Than Anticipated No Later Than Real Estate Land Closing N/A N/A 09/18/2025 03/15/2026 Site Preparation 10/01/2026 03/01/2027 12/01/2026 12/01/2028 Go-Ahead Letter N/A N/A 05/01/2027 12/01/2028 Foundation 03/01/2027 12/01/2028 N/A N/A Shell and Base Interior Construction 03/01/2027 12/01/2028 08/01/2029 02/01/2031 Certificate of Occupancy (shell building) N/A N/A 07/01/2029 02/01/2031 3. Delegation of Certain Obligations to Master Developer. The following is hereby amended added to the Existing Agreement as Section 3.9: “3.9 Delegation of Certain Obligations to Master Developer. Notwithstanding any provision to the contrary in the Agreement, Developer and Lifestyle shall each have the right, upon the prior written consent of the Authority’s Executive Director, to delegate responsibility to complete all Demolition, Site Remediation, and Site Preparation, including but not limited to rough grading, soil correction and stabilization, utilities, curb and gutter, storm water system, internal roadways, sidewalks and bicycle trails on to their respective Lot(s) (collectively, the “Delegated Obligations”) to the other, such that either Developer or Lifestyle shall be responsible for performing all Delegated Obligations for the entire Project Area. Developer shall provide written notice to the City and the Authority prior to any such delegation including a description of which entity will be responsible for the work and the cost distribution of the work performed by the Master Developer. Any delegation from Developer to Lifestyle pursuant to this Section shall not relieve Developer of its obligations under the Agreement, and Developer shall remain jointly and severally liable with Lifestyle for the full and timely performance of the Delegated Obligations.” 4. Creation of TIF District; Certification. Section 12.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 4. This amended Section 12.1 reflects the amended Real Estate Land Closing date set forth above and is intended to provide a reliable stream of Tax Increments. “12.1 Creation of TIF District; Certification. The Authority and City have taken all necessary actions to create and establish the TIF District as of the Effective Date. The TIF District has been created and established as a “redevelopment” district under the TIF Act. The Authority will cause the TIF District to be certified promptly following the Real Estate Land Page 141 of 166 3 4904-8360-4822\1 Closing, such that Tax Increments will be become available in accordance with the TIF Plan. Developer acknowledges and agrees that the Authority and the City may take appropriate steps to modify the TIF District in the future, including, without limitation, incorporating additional land into the TIF District or modifying the first collection year. Developer shall cooperate with the Authority and the City with any such future modification, including to execute and deliver any supplements or modifications to this Agreement that are reasonably required in connection therewith, provided that no such modification or supplement shall (a) increase any obligation of Developer hereunder or (b) adversely affect any right of or benefit of Developer hereunder.” 5. SPARC Fund Forgivable Loan. Section 12.9.1.1 of the Existing Agreement is hereby deleted in its entirety and replaced as set forth below in this Section 5. This amended Section 12.9.1.1 reflects a recent change in state law governing unallocated Tax Increment funds. “12.9.1.1. The Authority has elected to use the SPARC Fund to offset the principal amount of the NW Element TIF Note, SW Element TIF Note and/or East Element Note by a cumulative amount of the lesser of $1,500,000 (subject to adjustment as provided below) and the amount of the SPARC Fund Qualified Costs (as defined below), by providing a forgivable loan funded through the SPARC Fund (the “SPARC Forgivable Loan”) pursuant to the terms and conditions of a loan agreement in substantially the form attached as Exhibit W to this Amendment (the “SPARC Forgivable Loan Agreement”). All costs related to the Project that have been expended by the Developer by December 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), excluding land acquisition, but including, without limitation, all Project costs shown on Exhibit B of the SPARC Forgivable Loan Agreement attached hereto, shall be eligible for reimbursement from the SPARC Fund under the terms and conditions of the SPARC Forgivable Loan Agreement (collectively, “SPARC Fund Qualified Costs”). The Authority shall use good faith, commercially reasonable efforts to notify Developer of its election to use SPARC Funds in an amount greater than $1,500,000 prior to July 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority). Following such notice, the Developer and the Authority shall use good faith efforts to meet and confer regarding the potential use of additional SPARC Funds. On or before September 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), Developer and Lifestyle will notify the Authority of the amount of the SPARC Forgivable Loan allocated to the NW Element, SW Element and East Element. Developer shall use good faith, commercially reasonable efforts to expend the SPARC Fund Qualified Costs by December 1, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), but failure of Developer to do so shall not be a Default under this Agreement. On or before December 15, 2026 (or, to the extent the current statutory deadline is further extended as authorized by State law, to a date determined by the Authority), Developer and the Authority shall execute the SPARC Fund Loan Agreement, in the principal amount, if any of the SPARC Fund Forgivable Loan is allocated to the East Element, and the East Element TIF Note will be reduced by such amount. 6. Ratification. Except as specifically modified by this Amendment, the terms and provisions of the Existing Agreement shall remain in full force and effect. 7. Binding Effect. This Amendment amends and supplements the Agreement. If there is a conflict between the provisions of the Existing Agreement and this Amendment, the provisions of this Amendment shall control. This Amendment shall be binding upon and inure to the benefit of the City, the Authority, Developer, and their respective successors and assigns. Page 142 of 166 4 4904-8360-4822\1 8. Counterparts. This Amendment may be executed simultaneously in one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. Facsimile or email copies shall be deemed originals. [Remainder of page intentionally left blank; signature pages follow] Page 143 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – East Element)] 4904-8360-4822\1 IN WITNESS WHEREOF, the City, the Authority and Developer have caused this Amendment to be duly executed in their names and on their behalf, all on or as of the date first above written. CITY OF EDINA, MINNESOTA By: _____________________________ James B. Hovland, Mayor By: _____________________________ Scott H. Neal, City Manager STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ____ day of _______________, 2025, by James B. Hovland and Scott H. Neal, the Mayor and City Manager, respectively, of the City of Edina, Minnesota, on behalf of the City of Edina. Notary Public Page 144 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – East Element)] 4904-8360-4822\1 HOUSING AND REDEVELOPMENT AUTHORITY OF EDINA, MINNESOTA By: ______________________________ James B. Hovland, Chair By: ______________________________ James Pierce, Secretary STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ____ day of _______________, 2025, by James B. Hovland and James Pierce, the Chair and Secretary, respectively, of the Housing and Redevelopment Authority of Edina, Minnesota, on behalf of said Authority. Notary Public Page 145 of 166 [Signature Page to First Amendment to Redevelopment Agreement (7235 France – East Element)] 4904-8360-4822\1 EDINA ENCLAVE, LLC a Delaware limited liability company By: ________________________________________ Name: ______________________________________ Its: _________________________________________ STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ___ day of _______________, 2025, by __________________, the _______________________ of EDINA ENCLAVE, LLC, a Delaware limited liability company, on behalf of the limited liability company. Notary Public Page 146 of 166 W-1 4904-8360-4822\1 EXHIBIT W Form of SPARC Loan Agreement Forgivable Loan Agreement (Edina SPARC Fund – East Element) This Forgivable Loan Agreement (Edina SPARC Fund – East Element) (this “Agreement”), made and entered into as of this ____ day of ____________, between the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Authority”), and Edina Enclave, LLC, a Delaware limited liability company (“Borrower”). Recitals: A. Borrower is the owner of that certain land located at located at 7235 France Avenue, Edina, Minnesota, as legally described on Exhibit A (the “Project Area”). B. Borrower, the Authority, and the City of Edina, Minnesota (the “City) are parties to that certain Redevelopment Agreement (East Element), dated ______________, 2024 (the “Redevelopment Agreement”), pursuant to which the Authority and the City have agreed to provide certain financial support to Borrower in connection with Borrower’s redevelopment of the Project Area by demolition of an existing retail building and related parking and improvements located within the Project Area and the development and construction of certain “Minimum Improvements” consisting generally of a 7-story (approximately 82-foot tall) apartment building with 223 units and an approximately 346-stall parking garage including approximately 41 public parking stalls and a 7-story (approximately 82-foot tall) apartment with 176 units and approximately 4,100 square feet of retail/restaurant space and an approximately 380-stall parking garage including approximately 42 public parking stalls, and certain related public improvements (collectively, the “Project”). C. Upon completion, the Project is anticipated to deliver many benefits to the general public. In addition to the redevelopment of an underutilized building and long-term increase in the property tax base, the Project will deliver additional public benefits including: creation of new affordable housing units, stormwater improvements, environmental remediation, streetscape improvements, permanent sustainability features and public parking. Upon completion, the Project will also enable several improvements to the local transportation network including improvements for pedestrians, bicyclists, and motorists. These improvements are intended to benefit the Project, the adjacent properties, the surrounding neighborhoods and the general public who travel to and through this area. D. Pursuant to the temporary authority for use of increment granted by Minnesota Statutes, Section 469.176, subdivision 4(n) (the “Act”) on October 28, 2021, the Authority adopted, and on November 16, 2021, the City approved a written spending plan (which may be amended from time to time) for unobligated tax increment monies (the “Spending Plan”) and established the Special Projects and Redevelopment Capital Fund (the “SPARC Fund”) to encourage and incentivize new private investment in the City’s commercial and industrial districts by providing loans, grants and/or equity for development projects in accordance with the Spending Plan. E. As set forth in the Redevelopment Agreement, pursuant to the Act and the Spending Plan, and subject to the terms and conditions of this Agreement, the Authority, believing that the Project is in the best interest of the City, desires to provide a forgivable loan of unobligated tax increment revenue to Borrower from the SPARC Fund in the maximum principal amount of $________ (the “Loan”) to assist in Page 147 of 166 W-2 4904-8360-4822\1 financing the Project, such Loan being referred to in the Redevelopment Agreement as the “SPARC Forgivable Loan”. F. The SPARC Forgivable Loan will be used as a substitute for all or a portion of the East Element TIF Note anticipated to be issued in the Redevelopment Agreement. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, and in consideration of the mutual covenants and agreements hereinafter contained, the parties hereto hereby agree as follows: ARTICLE I RECITALS; EXHIBITS, DEFINITIONS Section 1.01 Recitals. The foregoing Recitals are true and correct statements of fact and are incorporated into this Agreement by this reference, including the definitions set forth therein. Section 1.02 Exhibits. All Exhibits referred to in and attached to this Agreement upon execution are incorporated in and form a part of this Agreement as if fully set forth herein. Section 1.03 Definitions. Unless otherwise defined herein or unless context requires otherwise, undefined terms used herein shall have the meanings set forth in the Redevelopment Agreement. All defined terms may be used in the singular or the plural, as the context requires. ARTICLE II REPRESENTATIONS AND WARRANTIES Section 2.01 Authority Representations. The Authority makes the following representations to Borrower: (a) The Authority is a public body corporate and politic and a governmental subdivision of the state of Minnesota, duly organized and existing under State law and the Authority has the authority to enter into this Agreement and carry out its obligations hereunder. (b) The Authority has the power under applicable state law to enter into this Agreement and carry out its obligations hereunder. Section 2.02 Borrower Representations. Borrower makes the following representations to the Authority: (a) Borrower is a limited liability company under the laws of the State of Delaware and has power to enter into this Agreement and has duly authorized, by all necessary corporate action, the execution and delivery of this Agreement. (b) Neither the execution or 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 by, limited by, conflicts with, or results in a breach of, any restriction, agreement or instrument to which Borrower is now a party or by which Borrower is bound. (c) There is no legal or regulatory proceeding or investigation pending or, to the knowledge of Borrower, threatened (or any basis therefor) against Borrower or the Project, which, when Page 148 of 166 W-3 4904-8360-4822\1 and however decided, could have a material adverse effect on the condition or business of Borrower or its ability to perform its obligations under this Agreement. (d) Borrower has no actual knowledge that any member of the Board of the Authority, or any other officer of the Authority or the City has any direct or indirect financial interest in Borrower, the Project Area, or the Project. (e) Borrower would not undertake the Project without the financial assistance to be provided by the Authority pursuant to this Agreement. The foregoing representations and warranties, as well as the facts contained in the Recitals, shall be continuing in nature and shall be true and correct as of the date made, at the date of the initial advance and at the dates of all subsequent advances of the proceeds of the Loan. ARTICLE III SPARC FUND LOAN Section 3.01 Loan for Qualified Costs. The Authority agrees to make the Loan to Borrower subject to the following terms and conditions, and the other terms, conditions, and restrictions of this Agreement: (a) The maximum principal amount of the Loan will be $__________, which represents the amount of Qualified Costs (defined below) that are anticipated to be expended by Borrower on or before the Disbursement Request Deadline. (b) The Loan funds may be used to pay for those costs incurred by Borrower in connection with the Project that have been expended by the Developer by [December 1, 2026], excluding land acquisition, but including, without limitation, all Project costs shown on Exhibit B attached hereto (collectively, “Qualified Costs”). (c) The Loan shall be evidenced by a note to be executed by Borrower and delivered to the Authority, the form of which is attached hereto as Exhibit C (the “Note”). (d) Upon the occurrence and during the continuance of an Event of Default, the unpaid principal of the Loan shall bear interest at the rate described in the Note. Section 3.02 Loan Disbursement; Disbursement Request. (a) Promptly following receipt of the Go-Ahead Letter, the Authority will deposit funds in the amount of the Loan with an escrow agent (to be mutually agreed upon by the Authority and Borrower) (the “Escrow Agent”) to be disbursed to pay Qualified Costs pursuant to the terms of this Agreement upon review and approval of disbursement requests as provided herein. (b) Requests for disbursement of portions of the Loan shall be originated by Borrower by delivering to the Authority and the Escrow Agent a disbursement request in the form acceptable to the Escrow Agent and approved by the Authority (the “Disbursement Request”) in its reasonable discretion. Within 10 working days after receipt of the Disbursement Request, the Authority shall approve or disapprove the Disbursement Request, and if approved, shall forward the Disbursement Request and a sufficient amount of the Loan to pay said Disbursement Request to Escrow Agent, subject to the condition that, before disbursing such Loan advance, Escrow Agent must obtain partial and/or full lien waivers, lien releases or lien satisfactions, in the customary form from the general contractor and all Page 149 of 166 W-4 4904-8360-4822\1 subcontractors and material suppliers with whom the general contractor has contracted with in connection with the Qualified Costs of the Project. If the Escrow Agent is unable to obtain such waivers, releases and/or satisfactions with respect to any Disbursement Request, the Authority shall be entitled, but not obligated, to revoke its approval of such Disbursement Request. Borrower hereby agrees to indemnify, defend and hold harmless the Authority and Escrow Agent from any and all claims, demands or costs associated with the disbursement of the Loan, including reasonable attorney’s fees arising therefrom. The foregoing notwithstanding, upon the consent of the Authority, which shall not be unreasonably withheld, conditioned or delayed, the disbursement process set forth in this Section may be modified if required by the lender that funds Borrower’s loan funding of construction of the Project (the “Borrower’s Lender”). (c) No Disbursement Request may be submitted to the Authority later than [December 1, 2026] (“Disbursement Request Deadline”) in order for the Authority to make all Loan advances and pay the corresponding Qualified Costs before the SPARC Expiration Date (as defined below), and, notwithstanding anything herein to the contrary, the Authority shall have no obligation to accept any Disbursement Request or to make any Loan advances after the SPARC Expiration Date. Section 3.03 Satisfaction of Conditions Precedent. Notwithstanding anything to the contrary contained herein, the Authority’s obligation to advance any portion of the Loan shall be subject to satisfaction, or waiver in writing by the Authority, of all of the following conditions precedent: (a) Borrower shall have executed and delivered the Note to the Authority. (b) There shall then be no uncured Event of Default and no act, event, condition or omission shall have occurred which, with the giving of notice or lapse of time or both, would constitute an Event of Default hereunder or under the Redevelopment Agreement, and the Authority shall have received a certificate to that effect dated the date of each such advance and signed by Borrower. (c) The representations of Borrower set forth in Section 2.02 shall continue be true and correct in all material respects as of the date of such advance. Section 3.04 Loan Forgiveness . So long there is then no uncured Event of Default, upon the Authority’s issuance of the Certificate of Completion in accordance with the Redevelopment Agreement, the Authority shall forgive the Loan by furnishing Borrower with a certification in the form attached hereto in Exhibit D (the “Certificate of Forgiveness”) reasonably promptly after Borrower’s request. If the Authority shall refuse or fail to provide a Certificate of Forgiveness within 30 days following Borrower’s request, the Authority shall provide Borrower with a written statement specifying in what respects Borrower has failed to comply with the Agreement, the Loan, or is otherwise in default, and what measures or acts will be necessary, in the reasonable opinion of the Authority, for Borrower to obtain the Certificate of Forgiveness. Notwithstanding herein to the contrary, subject to Unavoidable Delays, in no event will the Authority be obligated to forgive the Loan, if Borrower has not obtained the Certificate of Completion in accordance with the Redevelopment Agreement by May 1, 2032 unless that date has been amended in the Redevelopment Agreement (“Completion Deadline”). Section 3.05 Nature of Edina SPARC Fund. The authority for the Authority to transfer or loan unobligated incremental property taxes under the Act (as the same have been allocated to the SPARC Fund) expires on [December 1, 2026] (the “SPARC Expiration Date”) and all such transferred increments must be spent by such SPARC Expiration Date. As such, to minimize the amount of increment that the Authority would be require to “return” under the Act, if the Loan is not fully forgiven as provided herein, any amounts Page 150 of 166 W-5 4904-8360-4822\1 paid or repaid to the Authority by Borrower shall be from sources of funds of Borrower other than the loaned unobligated incremental property taxes from the SPARC Fund. ARTICLE IV DEFAULTS AND REMEDIES Section 4.01 Borrower Events of Default. Subject to Unavoidable Delay, 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 (unless the context otherwise provides), any one or more of the following events: (a) Failure by Borrower to obtain the Certificate of Completion in accordance with the Redevelopment Agreement by the Completion Deadline. (b) Failure of Borrower to timely pay to the Authority any amounts required to be paid by Borrower hereunder. (c) Except as provided in Sections 4.01(a) through (b) hereof, failure by Borrower to observe or perform any other covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement, and the continuation of such failure for a period of 30 days after written notice of such failure from the Authority; provided, however, if any such failure reasonably requires more than 30 days to cure, such failure shall not constitute an Event of Default, provided Borrower promptly commenced such cure upon receipt by Borrower of the written notice of the default, and with due diligence is thereafter continuously prosecutes such cure to completion and is completed within a reasonable period of time, and provided that Borrower keeps the Authority informed at all times of its progress in curing the default, provided that in no event shall such additional cure period for any default extend beyond 90 days. (d) The occurrence of an Event of Default under the Redevelopment Agreement. Section 4.02 Authority Remedies on Borrower Default. Upon the occurrence of an Event of Default, the Authority may take any one or more of the following actions: (a) Suspend its performance under this Agreement (including, without limitation, refraining from making any Loan advance under this Agreement) until it receives assurances from Borrower deemed reasonably adequate by the Authority, that Borrower will cure the Event of Default and continue its performance under this Agreement, but Lender may make Loan advances after the happening of any such event without hereby waiving the right to refrain from making other or further Loan advances or to exercise any of the other rights Lender may have. (b) In the case of a material default that is not cured within a reasonable period of time, terminate all rights of Borrower under this Agreement. (c) Withhold the Certificate of Completion under the Redevelopment Agreement. (d) Withhold the Certificate of Forgiveness. (e) To declare the entire unpaid principal of the Loan and all accrued interest thereon immediately due and payable without further notice. Page 151 of 166 W-6 4904-8360-4822\1 (f) Take whatever action at law or in equity may appear necessary or desirable to the Authority to enforce performance and observance of any obligation, agreement, or covenant of Borrower under this Agreement. Section 4.03 Authority Default; Remedies Upon Authority Default. In the event the Authority should fail to observe or perform any covenant, agreement or obligation of the Authority on its part to be observed and performed under this Agreement and such failure continues for more than 30 days after written notice by Borrower to the Authority of such failure, Borrower may take any one or more of the following actions: (a) Suspend its performance under this Agreement until it receives assurances from the Authority deemed adequate by Borrower, that the Authority will cure its default and continue its performance under this Agreement. (b) In the case of a material default that is not cured within a reasonable period of time, terminate all rights of the Authority under this Agreement. (c) Take whatever action at law or in equity may appear necessary or desirable to Borrower to enforce performance and observance of any obligation, agreement, or covenant of the Authority under this Agreement. Section 4.04 No Remedy Exclusive. No remedy herein conferred upon or reserved to the Authority, or to Borrower 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. In order to entitle the Authority, or Borrower to exercise any remedy reserved to them, it shall not be necessary to give notice, other than such notice as may be required under this Agreement. Section 4.05 Waivers. All waivers by any party to this Agreement shall be in writing. If any provision of this Agreement is breached by any party and thereafter waived by another party, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 4.06 Agreement to Pay Costs and Attorneys’ Fees. Whenever any Event of Default occurs and the non-defaulting party shall employ attorneys or incur any other costs or 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 defaulting party herein contained, the defaulting party agrees that it shall, on demand therefor, pay to the Authority the reasonable fees of such attorneys and such other expenses so incurred by the non-defaulting party, together with interest thereon at the rate of interest for the Loan set forth in the Note. ARTICLE V INSURANCE; INDEMNIFICATION Section 5.01 Insurance. Borrower will, at its expense, carry such type and amount of insurance concerning the contents of the Project Area as is required under the Redevelopment Agreement. Page 152 of 166 W-7 4904-8360-4822\1 Section 5.02 Indemnification. (a) Borrower releases and covenants and agrees that the Authority, and its respective governing body members and elected officials, officers, employees, agents, independent contractors and attorneys (collectively the “Indemnified Parties”), shall not be liable for and agrees to indemnify, defend, and hold harmless the Indemnified Parties against any loss or damage to property or any injury to or death of any person occurring at or about, or resulting from any defect in the Project constructed by Borrower, except to the extent attributable to the negligence or intentional misconduct of any Indemnified Party. (b) Except to the extent of the negligence or intentional misconduct of any Indemnified Party, Borrower shall indemnify and defend the Indemnified Parties, now and forever, and further agrees to hold the aforesaid harmless from any claims, demands, suits, costs, expenses (including reasonable attorney’s fees), actions or other proceedings whatsoever by any person or entity whatsoever arising or purportedly arising from the actions or inactions of Borrower, or any of its owners, agents, contractors, or employees, under this Agreement or the transactions contemplated hereby, including, without limitation, the acquisition, construction, installation, ownership, and/or operation of the Project. ARTICLE VI PROHIBITIONS AGAINST ASSIGNMENT AND TRANSFER Section 6.01 Except as permitted under the Redevelopment Agreement, Borrower shall not sell, assign, convey, lease or transfer in any other mode or manner any of its right, title, and interest in and to all or any part of the Project Area or this Agreement without the express written approval of the Authority. For avoidance of doubt, Borrower may assign this Agreement simultaneously with any assignment of the Redevelopment Agreement and to the same assignee of the Redevelopment, subject to the same terms, conditions, and requirements applicable to an assignment of the Redevelopment Agreement set forth in the Redevelopment Agreement. In the absence of specific written agreement by the Authority to the contrary, neither the transfer of the Project Area nor the assignment of this Agreement, or any portion thereof, prior to the issuance of the Certificate of Forgiveness will relieve Borrower of its obligations under this Agreement and the Note. ARTICLE VII ADDITIONAL PROVISIONS Section 7.01 Term of Agreement. This Agreement shall terminate on the earlier of the date (a) a Certificate of Forgiveness is provided to Borrower from the Authority, or (ii) the date this Agreement is terminated or rescinded in accordance with its terms (the “Termination Date”). Section 7.02 Damage or Destruction. Upon any damage or destruction of the Project Area, or any portion thereof, by fire or other casualty, before the Termination Date, should Borrower commence or cause to be commenced the process required to repair, reconstruct and restore the damaged or destroyed Project Area, or portion thereof, the Authority shall continue to provide the Loan contemplated herein. If, upon such damage or destruction of the Project Area, Borrower decides not to repair, reconstruct or restore the damaged or destroyed Project Area, the Authority shall not be required to provide the Loan contemplated herein. Section 7.03 Equal Employment Opportunity. Borrower, for itself and its successors and assigns, agrees that during the construction of the Project it will comply with any applicable affirmative action and nondiscrimination laws or regulations. Page 153 of 166 W-8 4904-8360-4822\1 Section 7.04 Restrictions on Use. Borrower agrees for itself, and its successors and assigns, and every successor in interest to the Project Area, or any part thereof, that Borrower, and such successors and assigns, shall devote the Project Area to, and only to and in accordance with, the uses specified in this Agreement and other agreements entered into between Borrower and the Authority, and shall not discriminate upon the basis of race, color, creed, religion, national origin, sex, marital status, disability, status with regard to public assistance, sexual orientation, and familial status in the sale, lease, or rental or in the use or occupancy of the Project Area or any improvements erected or to be erected thereon, or any part thereof. Section 7.05 Legal and Administrative Expenses. Borrower agrees to pay all fees and expenses incurred by the Authority in connection with review and analysis of the development proposed under this Agreement and the negotiating, approval and documentation of this Agreement, but not limited to, attorney and municipal advisor fees and expenses. Section 7.06 Notices and Demands. Except as otherwise expressly provided in this Agreement, a notice, demand or other communication under this Agreement by any party to any other shall be in writing and shall be sufficiently given or delivered if it is dispatched by reputable overnight courier, sent registered or certified mail, postage prepaid, return receipt requested, or delivered personally, and addressed to: Borrower at: Edina Enclave, LLC Attn: Austin J. Morris 300 23rd Avenue East, Suite 300 West Fargo, ND 58078 with a copy to: Siegel Brill, P.A. Attn: Anthony J. Gleekel Joshua B. Grossman Siegel Brill, P.A. 100 Washington Avenue South, Suite 1300 Minneapolis, MN 55401 The Authority at: Housing and Redevelopment Authority of Edina, Minnesota Attention: Executive Director 4801 West 50th Street Edina, MN 55424 with a copy to: Dorsey & Whitney LLP Attention: Jay R. Lindgren 50 South Sixth Street, Suite 1500 Minneapolis, MN 55402 or at such other address with respect to any such party as that party may, from time to time, designate in writing and forward to the other, as provided in this section. Section 7.07 Governing Law, Jurisdiction, Venue and Waiver of Trial by Jury. All matters, whether sounding in tort or in contract, relating to the validity, construction, performance, or enforcement of this Agreement shall be controlled by, interpreted and determined in accordance with the laws of the state of Minnesota without regard to its conflict and choice of law provisions. Any litigation arising out of this Agreement shall be venued exclusively in Hennepin County District Court, Fourth Judicial District, state of Minnesota and shall not be removed therefrom to any other federal or state court. The Authority Page 154 of 166 W-9 4904-8360-4822\1 and Borrower hereby consent to personal jurisdiction and venue in the foregoing court. The Authority and Borrower hereby waive trial by jury for any litigation arising out of this Agreement. Section 7.08 Severability. If any term or provision of this Agreement is determined to be invalid or unenforceable under applicable Law, the remainder of this Agreement shall not be affected thereby, and each remaining term or provision of this Agreement shall be valid and enforceable to the fullest extent permitted by applicable Law. Section 7.09 Consents and Approvals. Whenever the terms “consent,” “approve,” or “approval” are used herein, they shall mean consent or approvals which shall not be unreasonably conditioned or delayed, unless specifically provided otherwise. All consents or approvals must be delivered in writing in order to be effective. Section 7.10 Additional Documents. When reasonably requested to do so by another party, each party shall execute or cause to be executed any further documents as may be reasonably necessary or expedient and within their lawful obligation in order to consummate the transactions provided for in, and to carry out the purpose and intent of, this Agreement. Section 7.11 Limitation. All covenants, stipulations, promises, agreements and obligations of the Authority or Borrower contained in this Agreement shall be deemed to be the covenants, stipulations, promises, agreements and obligations of the Authority and Borrower, and not of any governing body member, officer, agent, servant, manager or employee of the Authority or Borrower in the individual capacity thereof. Section 7.12 Authority Approval. Unless the Board, as applicable, determines otherwise in its discretion, all approvals and other actions required of or taken by the Authority shall be effective upon action by the Authorized Representative of the Authority, as applicable (or in either case his/her designee), unless (a) this Agreement explicitly provides for approval by the Board of the Authority, (b) approval by the Board is required by law or (c) the approval, in the opinion of the Executive Director, would result in a material change in the terms of this Agreement. Section 7.13 Superseding Effect. This Agreement reflects the entire agreement of the parties with respect to the items covered by this Agreement, and supersedes in all respects all prior agreements of the parties, whether written or otherwise, with respect to the items covered by this Agreement. Section 7.14 Relationship of Parties. Nothing in this Agreement is intended, or shall be construed, to create a partnership or joint venture among or between the parties hereto, and the rights and remedies of the parties hereto shall be strictly as set forth in this Agreement. Section 7.15 Survival of Terms. The following Sections will survive the expiration or earlier termination of this Agreement: Section 4.02 through 4.06 [Remedies on Default, etc.] to the extent of any Event of Default arising prior to such termination or expiration; Section 5.01 [Insurance]; Section 5.02 [Indemnification]; Section 7.06 [Notices and Demands]; Section 7.07 [Governing Law, Jurisdiction, Venue and Waiver of Trial by Jury]; Section 7.11 [Limitation]; Section 7.17 [No Waiver of Governmental Immunity and Limitations on Liability]; and Section 7.18 [Limited Liability]. Section 7.16 Data Practices Act. Borrower acknowledges that all of the data created, collected, received, stored, used, maintained, or disseminated by Borrower with regard to the performance of its duties under this Agreement are subject to the requirements of Chapter 13, Minnesota Statutes. Page 155 of 166 W-10 4904-8360-4822\1 Section 7.17 No Waiver of Governmental Immunity and Limitations on Liability. Nothing in this Agreement shall in any way affect or impair the Authority’s immunity or the immunity of the Authority’s employees, consultants and contractors, whether on account of official immunity, legislative immunity, statutory immunity, discretionary immunity or otherwise. Nothing in this Agreement shall in any way affect or impair the limitations on the Authority’s liability or the liability of the Authority’s employees, consultants and independent contractors. By entering into this Agreement, the Authority does not waive any rights, protections, or limitations as provided under law and equity for the Authority, or of their respective employees, consultants and contractors. Section 7.18 Limited Liability. Notwithstanding anything to contrary provided in this Agreement, it is specifically understood and agreed, such agreement being the primary consideration for the execution of this Agreement by Borrower, that (a) there should be absolutely no personal liability on the part of any director, officer, manager, member, employee or agent of Borrower or the Authority with respect to any terms, covenants and conditions in this Agreement; (b) Borrower and the Authority waive all claims, demands and causes of action against the other parties’ directors, officers, managers, members, employees and agents in any Event of Default, by either party, as the case may be, of any of the terms, covenants and conditions of this Agreement to be performed by either party; and (c) Borrower and the Authority, as the case may be, shall look solely to the assets of the other party for the satisfaction of each and every applicable remedy in the Event of Default by any party, as the case may be, of any of the terms, covenants and conditions of this Agreement such exculpation of liability to be absolute and without any exception whatsoever. Section 7.19 Time is of the Essence. Time is of the essence of this Agreement and each and every term and condition hereof; provided, however, that if any date herein set forth for the performance of any obligations by Borrower or the Authority or for the delivery of any instrument or notice as herein provided should not be on a business day, the compliance with such obligations or delivery shall be deemed acceptable on the next following business day. Section 7.20 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original, and all of such counterparts shall constitute one document. To facilitate execution of this Agreement, the parties may execute and exchange signature pages via DocuSign, Tagged Image File Format (“TIFF”) or via electronic mail (*.pdf or similar file types). The parties further agree that counterparts of this Agreement may be signed electronically via Adobe Sign, DocuSign protocol or another electronic platform. All such signatures may be used in the place of original “wet ink” signatures to this Agreement and shall have the same legal effect as the physical delivery of an original signature. Section 7.21 Amendments. This Agreement shall not be amended unless in writing and executed by the parties hereto.. Section 7.22 Titles of Articles and Sections. Any titles of the several parts, Articles, and Sections of this Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section 7.23 Binding Effect. This Agreement shall inure to the benefit of and shall be binding upon the Authority and Borrower and their respective successors and assigns. [SIGNATURES APPEAR ON FOLLOWING PAGES] Page 156 of 166 [Signature Page to Forgivable Loan Agreement (SPARC) (7235 France Avenue – East Element)] W-11 4904-8360-4822\1 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the date first above written. Housing and Redevelopment Authority of Edina, Minnesota By: ______________________________ James B. Hovland, Chair By: ______________________________ James Pierce, Secretary Page 157 of 166 [Signature Page to Forgivable Loan Agreement (SPARC) (7235 France Avenue – East Element)] W-12 4904-8360-4822\1 EDINA ENCLAVE, LLC, a Delaware limited liability company By: __________________________________________ Name: Austin J. Morris Its: Member STATE OF _______________ ) ) ss. COUNTY OF _____________ ) The foregoing instrument was acknowledged before me this ___ day of _______________, 202___, by Austin J. Morris, a Member of Edina Enclave, LLC, a Delaware limited liability company, on behalf of the limited liability company. _____________________________________________ Notary Public Page 158 of 166 W-13 4904-8360-4822\1 Exhibit A Legal Description Page 159 of 166 W-14 4904-8360-4822\1 Exhibit B Non-Exhaustive List of Qualified Costs 1. Architectural Design Fees 2. Structural Design Fees 3. Civil Engineering Design Fees 4. Landscaping Design Fees 5. MEP (Mechanical, Electrical, Plumbing) Design Fees 6. Environmental Assessment Worksheet Fees 7. Wind Study Analysis Fees 8. Geotechnical Soil Evaluation Fees 9. Environmental Site Assessment Fees (Phase I, Phase II, RAP/CCP, MPCA) 10. Demolition, Site Clean Up, Soil Corrections, Grading 11. Construction and/or Relocation of Utilities (Sanitary Sewer, Water, Storm Water, Electric, Communications) 12. Other costs as approved by City Manager; provided, however, in no event shall any fees or expenses paid to the City qualify as SPARC Fund Qualified Costs Page 160 of 166 W-15 4904-8360-4822\1 Exhibit C Form of Note No. R-1 $_____________ UNITED STATES OF AMERICA STATE OF MINNESOTA FORGIVABLE NOTE FOR VALUE RECEIVED, the undersigned, Edina Enclave, LLC, a Delaware limited liability company (“Borrower”), promises to pay to the order of the Housing and Redevelopment Authority of Edina, Minnesota, a public body corporate and politic organized and existing under the laws of the State of Minnesota (the “Lender”), on or before May 1, 2032 (the “Maturity Date”, such date being the Completion Deadline under the Loan Agreement), the sum of $_____________, or so much as is advanced by Lender to, or for the benefit of, Borrower pursuant to that certain Forgivable Loan Agreement (Edina SPARC Fund), dated of even date herewith, as the same may be amended from time to time (the “Loan Agreement”), together with interest on the unpaid principal balance from time to time outstanding from the date of this Forgivable Note (this “Note”). Terms used herein but not otherwise defined, shall have the meaning attributed to them in the Loan Agreement. 1. This Note is subject to forgiveness by Lender subject to the terms and conditions of the Loan Agreement. If, as of the Maturity Date, Lender has not issued a Certificate of Forgiveness in accordance with the Loan Agreement, the unpaid principal balance of this Note, together with any accrued but unpaid interest, shall be immediately due and payable in full on the Maturity Date. 2. After maturity, whether by acceleration, the passage of time or otherwise, and during the continuance of an Event of Default under the Loan Agreement, the outstanding principal balance of this Note and accrued, unpaid interest shall bear interest at the rate which is six percent (6.0%) per annum until paid in full. Interest shall be calculated based on the actual number of days in a month over a year of 360 days. 3. All such interest and principal payments shall be made by Borrower in immediately available funds and without notice, demand or offset. Each payment on this Note is payable in any coin or currency of the United States of America which on the date of such payment is legal tender for public and private debts and shall be made by check or draft made payable to Lender and mailed to Lender at the postal address within the United States designated from time to time by Lender. 4. The principal balance of this Note may from time to time be prepaid, at the option of Borrower, in whole or in part without penalty under this Note. 5. All payments and prepayments, at the option to Lender, shall be applied first to any costs of collection, second to any late charges, third to accrued interest on this Note, and lastly to principal. 6. The occurrence of an Event of Default, as defined in the Loan Agreement, shall constitute an Event of Default hereunder (hereinafter referred to as an “Event of Default”). Page 161 of 166 W-16 4904-8360-4822\1 Upon the occurrence of an Event of Default, Lender may take exercise all of its rights and remedies under the Loan Agreement, including, without limitation, declaring the outstanding unpaid principal balance of this Note, the accrued and unpaid interest thereon, and all other obligations of Borrower to Lender to be forthwith due and payable. Failure to exercise any right or remedy provided for or referenced herein shall not constitute a waiver of the right to exercise the same in connection with the applicable Event of Default or any subsequent Event of Default. 7. Borrower and all others who may become liable for the payment of all or any part of the debt under this Note do hereby severally waive presentment and demand for payment, notice of dishonor, notice of intention to accelerate, notice of acceleration, protest and notice of protest and non-payment and all other notices of any kind. No release of any security for this Note or extension of time for payment of this Note or any installment hereof, and no alteration, amendment or waiver of any provision of this Note or the Loan Agreement made by agreement between Lender or any other person shall release, modify, amend, waive, extend, change, discharge, terminate or affect the liability of Borrower or any other person who may become liable for the payment of all or any part of the debt under this Note or the Loan Agreement. No notice to or demand on Borrower shall be deemed to be a waiver of the obligation of Borrower or of the right of Lender to take further action without further notice or demand as provided for in this Note or the Loan Agreement. 8. Borrower agrees that if, and as often as, this Note is placed in the hands of an attorney for collection or to defend or enforce any of Lender’s rights hereunder or under the Loan, Borrower will pay to Lender its attorneys’ fees and all court costs (including attorneys’ fees and court costs prior to trial, at trial and on appeal, or in any bankruptcy proceeding) and other expenses incurred in connection therewith. 9. This Note shall be governed by and construed in accordance with the laws of the State of Minnesota, without giving effect to the choice of law provisions thereof. 10. The authority for Lender to transfer or loan unobligated incremental property taxes under the Act (as the same have been allocated to the SPARC Fund) expires on [December 31, 2026] (the “SPARC Expiration Date”) and all such transferred increments must be spent by such SPARC Expiration Date. As such, as provided in the Loan Agreement (a) no Disbursement Request may be submitted to the Authority later than [December 31, 2026] in order for the Authority to make all Loan advances and pay the corresponding Qualified Costs before the SPARC Expiration Date and (b) to minimize the amount of increment that Lender would be require to “return” under the Act, if the Loan is not fully forgiven as provided in the Loan Agreement, any amounts paid or repaid to Lender by Borrower shall be from sources of funds of Borrower other than the loaned unobligated incremental property taxes from the SPARC Fund. IN WITNESS WHEREOF, Borrower has caused this Note to be executed by the manual signatures of the ________________ of Borrower and has caused this Note to be dated as of _________________. EDINA ENCLAVE, LLC, a Delaware limited liability company By: Its: Page 162 of 166 W-17 4904-8360-4822\1 Exhibit D Certificate of Forgiveness WHEREAS, Edina Enclave, LLC, a Delaware limited liability company (the “Borrower”), is the owner of property in the County of Hennepin and State of Minnesota described on Exhibit A hereto and made a part hereof (the “Property”); and WHEREAS, the Property (shown in Exhibit A) is subject to the provisions of a certain Forgivable Loan Agreement (Edina SPARC Fund) (the “Agreement”), dated as of _______________, between Borrower and the Housing and Redevelopment Authority of Edina, Minnesota (the “Authority”); and WHEREAS, pursuant the Agreement, the Authority provided a Loan to Borrower evidenced by a certain Note (as such terms are defined in the Agreement); and WHEREAS, Borrower has fully and duly performed all of the covenants and conditions of Borrower under the Agreement with respect to the Project and the Loan. NOW, THEREFORE, it is hereby certified that all requirements of Borrower under the Agreement with respect to the Project and Loan have been completed and duly and fully performed, and this instrument is to be conclusive evidence of the satisfactory termination of the covenants and conditions of the Agreement as they relate to the Loan, and the Loan is hereby fully forgiven and satisfied. Dated this ____ day of ____________, 20__. Housing and Redevelopment Authority of Edina, Minnesota By: ___________________________________ Chair By: ___________________________________ Secretary Page 163 of 166 W-18 4904-8360-4822\1 Exhibit A Legal Description Page 164 of 166 d ITEM REPORT Date: August 14, 2025 Item Activity: Information Meeting: Housing & Redevelopment Authority Agenda Number: 8.1 Prepared By: Bill Neuendorf, Economic Dev Mgr Item Type: Report & Recommendation Department: Community Development Item Title: SPARC Program Update Action Requested: No action required; for informational purposes only. Information/Background: The SPARC program was established in 2021 using unallocated incremental property taxes to support job creating and tax-base growing investment in Edina. While the majority of SPARC funds have been committed or invested, approximately $450,000 potentially remains available. While no action is required at this time, this update is provided to alert the HRA Board to proposals that will likely be brought forward in the near future. Staff is currently in discussions with three restaurateurs and property owners to evaluate how the remaining SPARC funds could facilitate the stabilization or expansion of restaurants in Edina. Descriptions of the three potential projects include: • Expansion of existing building with full remodel to create a new dinner-oriented restaurant at 50th & France. A grant or forgivable loan is being discussed to defray the cost of installing a new elevator that provides ADA access to the new upper and existing lower level. • • Expansion of surface parking lot to allow existing restaurant to better meet customer expectations and increase the hours of service. A traditional loan or forgivable loan is being discussed to defray the high cost of site work. • • Expansion of coffee shop or similar restaurant to occupy a vacant space in an existing office building. A streamlined grant is being discussed to prepare the raw space with plumbing and electrical infrastructure to support a restaurant. In the weeks ahead, staff will evaluate the financial needs and potential of each of these projects. Contracts to provide funding support will be prepared for the consideration of the HRA Board. Minor updates to the SPARC program will also be prepared to reflect recent changes in the state laws that govern these funds. Resources/Financial Impacts: None. Relationship to City Policies: Tax Increment Financing Policy; SPARC Policy Supporting Documentation: Page 165 of 166 None Page 166 of 166