Downtown Development Authority Agenda 12-09-2025

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      CITY OF MUSKEGON
      DOWNTOWN DEVELOPMENT
        AUTHORITY/BROWNFIELD
      REDEVELOPMENT AUTHORITY
              MEETING
         December 9, 2025 @ 10:30 AM
             CONFERENCE ROOM 204
    933 TERRACE STREET, MUSKEGON, MI                             49440
                                AGENDA
☐   CALL TO ORDER:

☐   ROLL CALL:

☐   APPROVAL OF MINUTES:
    I. Approval of Minutes City Clerk
☐   PUBLIC COMMENT ON AGENDA ITEMS:

☐   PUBLIC HEARINGS:

☐   NEW BUSINESS:
    I. DDA Agenda Item: Acceptance of Financial Report for November 30,
       2025 Economic Development
    II. BRA AGENDA ITEM: Brownfield Plan Amendment #2 for Betten Economic
        Development
☐   UNFINISHED BUSINESS:
    I. Harbor 31 Hotel ADA Compliance Economic Development
☐   ANY OTHER BUSINESS:

☐   ADJOURNMENT:



AMERICAN DISABILITY ACT POLICY FOR ACCESS TO OPEN MEETINGS OF THE CITY OF
MUSKEGON AND ANY OF ITS COMMITTEES OR SUBCOMMITTEES



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To give comment on a live-streamed meeting the city will provide a call-in telephone
number to the public to be able to call and give comment. For a public meeting that is
not live-streamed, and which a citizen would like to watch and give comment, they
must contact the City Clerk’s Office with at least a two-business day notice. The
participant will then receive a zoom link which will allow them to watch live and give
comment. Contact information is below. For more details, please
visit: www.shorelinecity.com
The City of Muskegon will provide necessary reasonable auxiliary aids and services, such
as signers for the hearing impaired and audio tapes of printed materials being
considered at the meeting, to individuals with disabilities who want to attend the
meeting with twenty-four (24) hours’ notice to the City of Muskegon. Individuals with
disabilities requiring auxiliary aids or services should contact the City of Muskegon by
writing or by calling the following:

Ann Marie Meisch, MMC. City Clerk. 933 Terrace St. Muskegon, MI 49440. (231)724-6705.
clerk@shorelinecity.com




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      CITY OF MUSKEGON
      DOWNTOWN DEVELOPMENT
        AUTHORITY/BROWNFIELD
      REDEVELOPMENT AUTHORITY
              MEETING
         December 2, 2025 @ 10:30 AM
    MUSKEGON CITY COMMISSION CHAMBERS
   933 TERRACE STREET, MUSKEGON, MI 49440
                                 MINUTES
AGENDA
The Special DDA Meeting of the City of Muskegon was held at City Hall, 933
Terrace Street, Muskegon, Michigan at 10:31 AM, Tuesday, December 2, 2025.
Martha Bottomley opened the meeting.

ROLL CALL
Members Present:B. Tarranht, K. Reid, M. Kleaveland, H. Sytsema, A. Boyd, J.
Curtis, M. Bottomley, B. Hastings, J. Dornbos, J. Seyferth

Member(s) Absent: S. Black, K. Thornton
Member(s) Excused: J. Moore
Staff Present: J. Hines, J. Eckholm, W. Webster
Others Present: R. Charron from Parkland Properties

PUBLIC COMMENT ON AGENDA ITEMS
None

NEW BUSINESS



    I. Shaw Walker Development and Reimbursement Agreement Economic
       Development
STAFF RECOMMENDATION: Motion to approve the Development Reimbursement
Agreement between the State of Michigan, Parkland Development, and the
City of Muskegon Brownfield Redevelopment Authority as presented and to


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authorize the Chair to sign.


Motion by M. Kleaveland, second by B. Tarrant, to Motion to approve the
Development Reimbursement Agreement between the State of Michigan,
Parkland Development, and the City of Muskegon Brownfield Redevelopment
Authority as presented and to authorize the Chair to sign. .
ROLL VOTE: Ayes: B. Tarrant, K. Reid, M. Kleaveland, H. Sytsema, J. Curtis, A.
           Boyd, M. Bottomley, B. Hastings, J. Dornbos, J. Seyferth
           Nays: None
MOTION PASSES
UNFINISHED BUSINESS
None

ANY OTHER BUSINESS
None

ADJOURNMENT
There being no further business, the meeting was adjourned at 10:41 AM.




                                       Respectfully Submitted,



                                       Ann Marie Meisch, MMC City Clerk




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                 Agenda Item Review Form
           Muskegon Downtown Development
       Authority/Brownfield Redevelopment Authority
Commission Meeting Date: December 9, 2025            Title: DDA Agenda Item: Acceptance of
                                                     Financial Report for November 30, 2025

Submitted by: Jocelyn Hines, Development             Department: Economic Development
Analyst

Brief Summary:
City staff is requesting the approval of the financial report for November 30, 2025.

Detailed Summary & Background:
City staff is requesting approval of the financial report for the period ending November 30, 2025. The
current projected fund balance is $460, 986.12, with no unexpected changes to the budget. Some of
November expenses were purchasing of snowflakes, Lakeshore Art Festival expenses and staffing
expenses.

Goal/Action Item:

Is this a repeat item?:
Explain what change has been made to justify bringing it back to Commission:

Amount Requested:                                    Budgeted Item:
N/A                                                   Yes            No           N/A

Fund(s) or Account(s):                               Budget Amendment Needed:
N/A                                                   Yes            No           N/A

Recommended Motion:
I move to approve the November 30, 2025 financial report as presented.

Approvals:                                           Name the Policy/Ordinance Followed:
Immediate Division
Head
Information
Technology
Other Division Heads
Communication



                                                                                              Page 5 of 24
Legal Review




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                                              DDA FOR CITY OF MUSKEGON
                                                Balance As Of 11/30/2025
                                                             YTD Balance        25-26   YTD Balance     Activity For
                                                                              Amended
GL Number             Description                            11/30/2024       Budget    11/30/2025          11/30/2025
Fund: 394 DOWNTOWN DEVELOPMENT AUTH DS
Account Category: Assets
Department: 000
394-000-001         CASH IN BANK                             294,966.45                 354,644.00          (12,593.46)
    Total Department 000:                                    294,966.45                 354,644.00          (12,593.46)
  Assets                                                     294,966.45                 354,644.00          (12,593.46)
Account Category: Liabilities
Department: 000
394-000-202         ACCOUNTS PAYABLE                              68.76                       0.00           (2,950.00)
394-000-293         OTHER LIABILITIES                              0.00                     700.00                0.00
    Total Department 000:                                         68.76                     700.00           (2,950.00)
  Liabilities                                                     68.76                     700.00           (2,950.00)
Account Category: Fund Equity
Department: 000
394-000-399         FUND BALANCE UNRESERVED                  460,986.12                 460,986.12                0.00
    Total Department 000:                                    460,986.12                 460,986.12                0.00
  Fund Equity                                                460,986.12                 460,986.12                0.00
Account Category: Revenues
Department: 000
394-000-402         PROPERTY TAX                                   0.00    537,000.00         0.00                0.00
394-000-569         STATE GRANTS OTHER                             0.00          0.00     1,957.93                0.00
394-000-613         EVENT REVENUE                                  0.00    100,000.00    (1,231.00)               0.00
394-000-665-004970 INTEREST INCOME                               853.54      1,300.00       543.62                0.00
394-000-679-004847 SPONSORSHIP REVENUE - MUSK ART FAIR           500.00     12,000.00     7,500.00            1,500.00
394-000-699-200000 OP. TRANS FROM SPECIAL REVENUE                600.00          0.00         0.00                0.00
    Total Department 000:                                      1,953.54    650,300.00     8,770.55            1,500.00
  Revenues                                                     1,953.54    650,300.00     8,770.55            1,500.00
Account Category: Expenditures
Department: 703 DOWNTOWN MUSKEGON BID
394-703-702         BUDGETED SALARIES & BENEFITS                   0.00    138,284.00         0.00                0.00
394-703-703         SALARY PERMANENT                          29,670.27          0.00    26,825.37            5,189.99
394-703-708         VACATION PAY                               1,398.15          0.00     1,260.25               29.31
394-703-710         PERSONAL & OTHER LEAVE                         0.00          0.00       468.93                0.00
394-703-711         HOLIDAY PAY                                  864.80          0.00       703.33              293.08
394-703-712         RETIREE HEALTHCARE - GENERAL               1,003.30          0.00       934.55              165.38
394-703-714         MERS RETIREMENT SYSTEM                     3,010.00          0.00     2,759.01              496.12
394-703-717         HEALTH INSURANCE                           8,438.43          0.00       108.79                0.00
394-703-718         LIFE INSURANCE                               144.81          0.00       125.72               22.56
394-703-719         DENTAL INSURANCE                             396.00          0.00       173.57               33.28
394-703-721         DISABILITY INSURANCE                         122.90          0.00       107.46               19.14
394-703-722         SOCIAL SECURITY                            2,445.19          0.00     2,304.52              413.26
394-703-723         WORKERS' COMPENSATION                        122.65          0.00       123.65               18.97
394-703-801         CONTRACTUAL SERVICES                       1,800.00    100,000.00    20,510.00                0.00
394-703-850         TELEPHONE                                    125.00          0.00       (75.00)             (15.00)
394-703-861         CONFERENCE, TRAINING AND TRAVEL                0.00          0.00       450.00                0.00
394-703-944         VEHICLE RENTAL                                 0.00          0.00       263.70                0.00
    Total Department 703:                                     49,541.50    238,284.00    57,043.85            6,666.09
Department: 778 LAKESHORE ART FESTIVAL
394-778-749         MISCELLANEOUS MATERIAL & SUPPLIES             19.99     2,000.00      2,465.52                0.00
394-778-801         CONTRACTUAL SERVICES                       3,862.33    20,000.00      9,333.96              124.45
394-778-850         TELEPHONE                                    343.27       700.00         68.71                0.00
394-778-903         ADVERTISING                                4,714.10     7,000.00      6,925.69            2,892.27
    Total Department 778:                                      8,939.69    29,700.00     18,793.88            3,016.72
Department: 780 TASTE OF MUSKEGON
394-780-801         CONTRACTUAL SERVICES                          86.40         0.00          0.00                0.00
    Total Department 780:                                         86.40         0.00          0.00                0.00
Department: 808 FARMERS & FLEA MARKET
394-808-801         CONTRACTUAL SERVICES                       1,023.00         0.00          0.00                0.00
    Total Department 808:                                      1,023.00         0.00          0.00                0.00
Department: 809 EVENTS
394-809-749         MISCELLANEOUS MATERIAL & SUPPLIES          2,346.74         0.00          0.00                0.00
    Total Department 809:                                      2,346.74         0.00          0.00                0.00

12/04/2025 05:16 PM                                                                        Page:      1/2

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                                           DDA FOR CITY OF MUSKEGON
                                              Balance As Of 11/30/2025
                                                           YTD Balance        25-26   YTD Balance     Activity For
                                                                            Amended
GL Number             Description                          11/30/2024       Budget    11/30/2025          11/30/2025
Fund: 394 DOWNTOWN DEVELOPMENT AUTH DS
Account Category: Expenditures
Department: 906 DEBT SERVICE
394-906-801         CONTRACTUAL SERVICES                   106,104.64    145,000.00    33,953.38            1,460.65
394-906-995-400000 OPER. TRANS TO CAPITAL PROJECT                0.00    130,000.00         0.00                0.00
    Total Department 906:                                  106,104.64    275,000.00    33,953.38            1,460.65
  Expenditures                                             168,041.97    542,984.00   109,791.11           11,143.46




12/04/2025 05:16 PM                                                                      Page:      2/2

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                 Agenda Item Review Form
           Muskegon Downtown Development
       Authority/Brownfield Redevelopment Authority
Commission Meeting Date: December 9, 2025             Title: BRA AGENDA ITEM: Brownfield Plan
                                                      Amendment #2 for Betten

Submitted by: Jocelyn Hines, Development              Department: Economic Development
Analyst

Brief Summary:
The City of Muskegon is requesting approval of Brownfield Plan Amendment #2 for Betten at 2410,
2474, 2477, & 2501 South Henry Street.

Detailed Summary & Background:
In 2008, the BRA and the City of Muskegon approved a brownfield plan amendment for 2410, 2474,
2477, & 2501 South Henry Street. This brownfield tax capture was used to reimburse any eligible
activities for the Betten project with additional interest at 6.5% until reimbursement was complete. The
total capture was around $16 million for a 16-year period which ends December 31, 2025.

The Brownfield Plan was experiencing low performance so the City loaned the BRA $1.66 million to
pay off the Betten brownfield and to reduce the interest burden and accelerate the reimbursement
commitment. The BRA would then repay the City over several years at an interest rate of 3.25 through
tax increments on the property. Because this plan ends this year, it has not performed enough to be
able to pay the City the whole $1.6 million, coming about $613,000 short.

A few things to note:

     • Table 3 – Row 19. Per the original agreement, the BRA should have been receiving $10,000 per
       annum. I have made sure to model this for the full cycle.
     • Table 3 – Simple Interest Expenses: It started at 6.5%, was reduced to 3.5%, and then I have it
       coming back to 5% to bring it back to the standard that is being used with every other
       property. This should be included with the BRA amendment.
     • Timeline: I am showing the following:
           o The last amended plan had this completing December 31, 2025.
           o Once amended, this should be complete in 2031.
           o The 5 year capture will end in 2036.
           o I recommended adding 14 years to the plan to bring this to a full 30 year term
              regardless, to ensure enough time even if this doesn’t perform as I forecasted it.
     • Financials
           o Presently the Brownfield is underperforming by $613k.
           o Once amended, it will break even in 2031.
           o The 5 year capture is forecasted at $778k
           o This is a total swing of $1,391,000, taking the brownfield from being in the red to being in


                                                                                                Page 9 of 24
              the black.




Goal/Action Item:
2027 Goal 2: Economic Development Housing and Business - Diverse housing types

Is this a repeat item?:
Explain what change has been made to justify bringing it back to Commission:
The Betten Brownfield Plan has been amended to extend the timeline of the life of the brownfield.

Amount Requested:                                  Budgeted Item:
N/A                                                 Yes           No           N/A

Fund(s) or Account(s):                             Budget Amendment Needed:
N/A                                                 Yes           No           N/A

Recommended Motion:
I move to approve/disapprove the resolution for Brownfield Plan Amendment #2 for Betten
Brownfield and further request staff to set a public hearing before the Muskegon City Commission to
consider adoption of the amended plan.

Approvals:                                         Name the Policy/Ordinance Followed:
Immediate Division                                 Michigan Public Act 381 of 1996, as amended
Head
Information
Technology
Other Division Heads
Communication
Legal Review




                                                                                          Page 10 of 24
                                                                                                                                                                                                                                                                 Table 2 – Total Captured Incremental Taxes Schedule
                                                                                                                                                                                                                                                                                Act 381 Brownfield Plan
                                                                                                                                                                                                                                                                                  221 West Webster
                                                                                                                                                                                                                                                                                     Muskegon, MI
                                                                                                                                                                             $    (1,291,409)
                       Estimated Taxable Value (TV) Increase Rate:   2% increase per year
                                                         Plan Year            1                   2                   3                   4                   5                   6                   7                   8                   9                  10                  11                  12                  13                  14                  15                  16                  17                  18                  19                  20                  21                  22                  23                  24                  25                   26
                                                    Calendar Year            2008                2009                2010                2011                2012                2013                2014                2015                2016                2017                2018                2019                2020                2021                2022                2023                2024                2025                2026                2027                2028                2029                2030                2031                2032                2033
                                              *Base Taxable Value    $               -       $             -     $             -     $             -     $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409
                                              Future Taxable Value $           1,464,310     $    1,464,310      $    1,493,596      $    1,523,468      $    3,667,000      $    3,115,200      $    3,165,042      $    3,215,682      $    3,225,327      $    3,254,353      $    3,322,693      $    3,402,436      $    3,467,080      $    3,515,618      $    3,631,632      $    3,813,212      $    3,889,476      $    3,967,266      $    4,046,611      $    4,127,543      $    4,210,094      $    4,294,296      $    4,380,182      $    4,467,786      $    4,557,141      $    4,648,284
                          Incremental Difference (New TV - Base TV) $          1,464,310     $    1,464,310      $    1,493,596      $    1,523,468      $    2,375,591      $    1,823,791      $    1,873,633      $    1,924,273      $    1,933,918      $    1,962,944      $    2,031,284      $    2,111,027      $    2,175,671      $    2,224,209      $    2,340,223      $    2,521,803      $    2,598,067      $    2,675,857      $    2,755,202      $    2,836,134      $    2,918,685      $    3,002,887      $    3,088,773      $    3,176,377      $    3,265,732      $    3,356,875


School Capture                                  Millage Rate
School Operating                                       18.0000       $               -       $           5,562   $          23,453   $          44,670   $          48,171   $          37,949   $          38,086   $          38,886   $          38,949   $          39,700   $          40,471   $          41,824   $          42,689   $          42,791   $          43,630   $          48,885   $          46,765   $          48,165   $          49,594   $          51,050   $          52,536   $          54,052   $          55,598   $          57,175   $          58,783   $          60,424
State Education Tax (SET)                                6.0000      $               -       $             -     $           9,243   $          17,703   $          19,664   $          16,064   $          15,603   $          15,795   $          15,742   $          16,145   $          16,096   $          16,492   $          16,625   $          16,795   $          17,354   $          18,624   $          15,588   $          16,055   $          16,531   $          17,017   $          17,512   $          18,017   $          18,533   $          19,058   $          19,594   $          20,141
                               School Total            24.0000       $               -       $           5,562   $          32,696   $          62,373   $          67,835   $          54,013   $          53,689   $          54,681   $          54,691   $          55,845   $          56,567   $          58,316   $          59,314   $          59,586   $          60,984   $          67,509   $          62,354   $          64,221   $          66,125   $          68,067   $          70,048   $          72,069   $          74,131   $          76,233   $          78,378   $          80,565


Local Capture                                   Millage Rate
MAISD                                                    3.7580      $               -       $           1,905   $           5,789   $          11,088   $          12,315   $          10,061   $           9,772   $           9,892   $           9,860   $          10,112   $          10,082   $          10,329   $          10,404   $          10,441   $          10,685   $          11,466   $           9,764   $          10,056   $          10,354   $          10,658   $          10,968   $          11,285   $          11,608   $          11,937   $          12,273   $          12,615
County Operating                                         5.5637      $               -       $             -     $           8,779   $          16,814   $          20,960   $          15,257   $          14,819   $          15,001   $          14,950   $          15,334   $          15,286   $          15,663   $          15,788   $          15,844   $          16,226   $          17,412   $          14,455   $          14,888   $          15,329   $          15,779   $          16,239   $          16,707   $          17,185   $          17,672   $          18,170   $          18,677
County Museum                                            0.3221      $               -       $            505    $           1,536   $           2,943   $             -     $            862    $            837    $            848    $            845    $            866    $            864    $            885    $            893    $            895    $            917    $            983    $            837    $            862    $            887    $            914    $            940    $            967    $            995    $           1,023   $           1,052   $           1,081
County Veterans                                          0.0752      $               -                                                                   $             -     $            201    $            196    $            198    $            197    $            203    $            202    $            207    $            208    $            209    $            214    $            229    $            195    $            201    $            207    $            213    $            219    $            226    $            232    $            239    $            246    $            252
Senior Citizen Services                                  0.3000      $               -       $             -                                             $             -     $            803    $            676    $            632    $           1,312   $           1,345   $           1,342   $           1,375   $           1,386   $           1,391   $           1,424   $           1,527   $            779    $            803    $            827    $            851    $            876    $            901    $            927    $            953    $            980    $           1,007
Community College                                        2.2037      $               -       $           1,117   $           3,395   $           6,502   $           7,222   $           5,900   $           5,731   $           5,802   $           5,782   $           5,930   $           5,911   $           6,057   $           6,105   $           6,127   $           6,275   $           6,734   $           5,725   $           5,897   $           6,072   $           6,250   $           6,432   $           6,617   $           6,807   $           7,000   $           7,197   $           7,398
City Operating                                           9.5865      $               -       $           5,611   $          18,591   $          35,628   $          39,585   $          25,666   $          26,232   $          26,554   $          26,473   $          27,153   $          27,067   $          27,725   $          27,918   $          27,983   $          28,521   $          30,590   $          24,906   $          25,652   $          26,413   $          27,189   $          27,980   $          28,787   $          29,611   $          30,450   $          31,307   $          32,181
City Sanitation                                          2.5000      $               -       $             -     $             -     $             -     $             -     $           6,693   $           7,801   $           7,898   $           7,871   $           8,073   $           8,048   $           8,246   $           8,306   $           8,329   $           8,493   $           9,114   $           6,495   $           6,690   $           6,888   $           7,090   $           7,297   $           7,507   $           7,722   $           7,941   $           8,164   $           8,392
Hackley Library                                          2.4000      $               -       $           1,217   $           3,697   $           7,081   $           7,865   $           6,425   $           6,241   $           6,318   $           6,296   $           6,458   $           6,438   $           6,596   $           6,649   $           6,668   $           6,802   $           7,299   $           6,235   $           6,422   $           6,612   $           6,807   $           7,005   $           7,207   $           7,413   $           7,623   $           7,838   $           8,057
Central Dispatch                                         0.3000      $               -       $             -                                             $            983    $            803    $            780    $            789    $            787    $            807    $            804    $            824    $            831    $            834    $            854    $            916    $            779    $            803    $            827    $            851    $            876    $            901    $            927    $            953    $            980    $           1,007
                                Local Total            27.0092       $               -       $          10,355   $          41,787   $          80,056   $          88,930   $          72,671   $          73,085   $          73,932   $          74,373   $          76,281   $          76,044   $          77,907   $          78,488   $          78,721   $          80,411   $          86,270   $          70,172   $          72,273   $          74,416   $          76,602   $          78,831   $          81,106   $          83,425   $          85,791   $          88,205   $          90,667


Non-Capturable Millages                         Millage Rate                        2008                  2009                2010                2011                2012                2013                2014                2015                2016                2017                2018                2019                2020                2021                2022                2023                2024                2025                2026                2027                2028                2029                2030                2031                2032                2033
Community College Debt                                   0.2700      $               -       $             -     $             -     $             -     $             -     $             -     $            884    $            895    $            892    $            914    $            912    $            935    $            942    $            952    $            984    $            838    $           1,050   $           1,071   $           1,093   $           1,114   $           1,137   $           1,159   $           1,183   $           1,206   $           1,230   $           1,255
Hackley Library Debt                                     0.4999      $               -       $             -     $             -     $             -     $             -     $             -     $             -     $             -     $           1,302   $           1,345   $           1,305   $           1,243   $           1,256   $           1,218   $           1,446   $           1,552   $           1,944   $           1,983   $           2,023   $           2,063   $           2,105   $           2,147   $           2,190   $           2,233   $           2,278   $           2,324
MPS Debt                                                 7.7500      $               -       $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -
                   Non-Capturable Total                  8.5199      $               -       $             -     $             -     $             -     $             -     $             -     $            884    $            895    $           2,194   $           2,259   $           2,217   $           2,178   $           2,198   $           2,170   $           2,430   $           2,390   $           2,995   $           3,054   $           3,115   $           3,178   $           3,241   $           3,306   $           3,372   $           3,440   $           3,509   $           3,579
                                                                                                                                                                                                                                         $        131,258    $        134,385    $        134,828    $        138,401    $        140,000    $        140,477    $        143,825    $        156,169    $        135,520    $        139,548    $        143,656    $        147,847    $        152,121    $        156,481    $        160,928    $        165,464    $        170,091    $         174,810


        Total Tax Increment Revenue (TIR) Available for Capture $                        -   $          13,136   $          58,135   $        111,243    $        122,848    $          99,678   $          99,930   $        101,273    $        101,719    $        104,204    $        104,328    $        107,065    $        108,145    $        108,514    $        110,903    $        120,025    $        101,349    $        104,383    $        107,478    $        110,635    $        113,856    $        117,140    $        120,491    $        123,908    $        127,394    $         130,949

NOTES:




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             12/1/2025

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Page 11 of 24
                                                                                                                                                                                                                                                              Table 2 – Total Captured Incremental Taxes Schedule
                                                                                                                                                                                                                                                                             Act 381 Brownfield Plan
                                                                                                                                                                                                                                                                               221 West Webster
                                                                                                                                                                                                                                                                                  Muskegon, MI

                       Estimated Taxable Value (TV) Increase Rate:
                                                         Plan Year       27                  28                  29                  30                  31                  32                  33                  34                  35                  Totals
                                                    Calendar Year        2034                2035                2036                2037                2038                2039                2040                2041                2042
                                              *Base Taxable Value    $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $    1,291,409      $     1,291,409
                                              Future Taxable Value $      4,741,250      $    4,836,075      $    4,932,796      $    5,031,452      $    5,132,081      $    5,234,723      $    5,339,417      $    5,446,206      $    5,555,130      $     5,610,681
                          Incremental Difference (New TV - Base TV) $     3,449,841      $    3,544,666      $    3,641,387      $    3,740,043      $    3,840,672      $    3,943,314      $    4,048,008      $    4,154,797      $    4,263,721      $                  -


School Capture                                  Millage Rate
School Operating                                       18.0000       $          62,097   $          63,804   $          65,545   $          67,321   $          69,132   $          70,980   $          72,864   $          74,786   $          76,747   $     1,733,135
State Education Tax (SET)                                6.0000      $          20,699   $          21,268   $          21,848   $          22,440   $          23,044   $          23,660   $          24,288   $          24,929   $          25,582   $       613,751
                               School Total            24.0000       $          82,796   $          85,072   $          87,393   $          89,761   $          92,176   $          94,640   $          97,152   $          99,715   $        102,329    $     2,346,886


Local Capture                                   Millage Rate
MAISD                                                    3.7580      $          12,965   $          13,321   $          13,684   $          14,055   $          14,433   $          14,819   $          15,212   $          15,614   $          16,023   $       385,844
County Operating                                         5.5637      $          19,194   $          19,721   $          20,260   $          20,808   $          21,368   $          21,939   $          22,522   $          23,116   $          23,722   $       575,885
County Museum                                            0.3221      $           1,111   $           1,142   $           1,173   $           1,205   $           1,237   $           1,270   $           1,304   $           1,338   $           1,373   $        35,390
County Veterans                                          0.0752      $            259    $            267    $            274    $            281    $            289    $            297    $            304    $            312    $            321    $            7,099
Senior Citizen Services                                  0.3000      $           1,035   $           1,063   $           1,092   $           1,122   $           1,152   $           1,183   $           1,214   $           1,246   $           1,279   $        32,503
Community College                                        2.2037      $           7,602   $           7,811   $           8,025   $           8,242   $           8,464   $           8,690   $           8,921   $           9,156   $           9,396   $       226,290
City Operating                                           9.5865      $          33,072   $          33,981   $          34,908   $          35,854   $          36,819   $          37,803   $          38,806   $          39,830   $          40,874   $     1,017,719
City Sanitation                                          2.5000      $           8,625   $           8,862   $           9,103   $           9,350   $           9,602   $           9,858   $          10,120   $          10,387   $          10,659   $       249,625
Hackley Library                                          2.4000      $           8,280   $           8,507   $           8,739   $           8,976   $           9,218   $           9,464   $           9,715   $           9,972   $          10,233   $       246,372
Central Dispatch                                         0.3000      $           1,035   $           1,063   $           1,092   $           1,122   $           1,152   $           1,183   $           1,214   $           1,246   $           1,279   $        29,302
                                Local Total            27.0092       $          93,177   $          95,739   $          98,351   $        101,016    $        103,733    $        106,506    $        109,333    $        112,218    $        115,160    $     2,806,031


Non-Capturable Millages                         Millage Rate                      2034                2035                2036                2037                2038                2039                2040                2041                2042
Community College Debt                                   0.2700      $           1,280   $           1,306   $           1,332   $           1,358   $           1,386   $           1,413   $           1,442   $           1,470   $           1,500   $        33,134
Hackley Library Debt                                     0.4999      $           2,370   $           2,418   $           2,466   $           2,515   $           2,566   $           2,617   $           2,669   $           2,723   $           2,777   $        55,077
MPS Debt                                                 7.7500      $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $             -     $              -
                   Non-Capturable Total                  8.5199      $           3,650   $           3,723   $           3,798   $           3,874   $           3,951   $           4,030   $           4,111   $           4,193   $           4,277   $        88,211
                                                                     $        179,624    $        184,534    $        189,542    $        194,650    $        199,861    $        205,176    $        210,596    $        216,126    $        221,766


        Total Tax Increment Revenue (TIR) Available for Capture $             134,576    $        138,275    $        142,048    $        145,896    $        149,822    $        153,826    $        157,910    $        162,075    $        166,324    $     3,979,474

NOTES:




                                                                                                                                                                                                                                                                                                                    12/1/2025

                                                                                                                                                                                                                                                                                                                      Page 12 of 24
                                                                                                                                                                                                                                                                       Table 3 – Estimated Reimbursement Schedule
                                                                                                                                                                                                                                                                                  Act 381 Brownfield Plan
                                                                                                                                                                                                                                                                                    221 W Webster, LLC
                                                                                                                                                                                                                                                                                   221 W Webster Street
                                                                                                                                                                                                                                                                                       Muskegon, MI
                                                         Developer
                                                                                                   School & Local
                                                         Maximum             Proportionality                          Local-Only Taxes        Total
                                                                                                       Taxes
                                                      Reimbursement                                                                                                                                                                                                             Estimated Capture
                                                          State                  45.0%         $        2,040,010     $             -     $   2,040,010                                                              Estimated Total                                            Administrative Fees                        $     340,000
                                                          Local                  55.0%         $        1,233,015     $       836,005     $   2,069,020                                                               Years of Plan:                                            State Brownfield Redevelopment Fund        $     306,876
                                                          TOTAL                                                                                                                                                                                                                 Local Brownfield Revolving Fund            $     778,567
                                                        Local-Only               57.1%                                $       836,005     $     836,005
                                                      Pre-Approved               42.9%         $         628,305      $           -       $     628,305

                                                                                   1                     2                   3                 4                 5                  6                  7                    8                  9                  10                    11                   12                 13                 14                 15                 16                 17                  18                 19                 20                 21                 22                 23                 24                 25
                                                                                  2008                 2009                2010               2011              2012               2013               2014                2015                2016               2017                  2018                 2019               2020               2021               2022               2023               2024                2025               2026               2027               2028               2029               2030               2031               2032
Total State Incremental Revenue                                          $                 -   $           5,562      $       32,696      $      62,373     $       67,835     $       54,013     $       53,689     $        54,681      $       54,691     $       55,845     $          56,567       $       58,316     $      59,314      $       59,586     $       60,984     $       67,509     $          62,354   $       64,221     $       66,125     $       68,067     $       70,048     $       72,069     $       74,131     $      76,233      $       78,378

State Brownfield Redevelopment Fund (50% of SET)                         $                 -   $                  -   $           4,622   $         8,852   $          9,832   $          8,032   $          7,802   $            7,898   $          7,871   $          8,073   $             8,048     $          8,246   $          8,313   $          8,398   $          8,677   $          9,312   $           7,794   $          8,028   $          8,266   $          8,508   $          8,756   $          9,009   $          9,266   $          9,529   $          9,797
State TIR Available for Reimbursement                                    $                 -   $              5,562   $          28,075   $        53,522   $         58,003   $         45,981   $         45,888   $           46,784   $         46,820   $         47,773   $            48,519     $         50,070   $         51,002   $         51,189   $         52,307   $         58,197   $          54,559   $         56,193   $         57,859   $         59,559   $         61,292   $         63,061   $         64,864   $         66,704   $         68,580

Total Local Incremental Revenue                                          $                 -   $             10,355   $          41,787   $        80,056   $         88,930   $         72,671   $         73,085   $           73,932   $         74,373   $         76,281   $            76,044     $         77,907   $         78,488   $         78,721   $         80,411   $         86,270   $          70,172   $         72,273   $         74,416   $         76,602   $         78,831   $         81,106   $         83,425   $         85,791   $         88,205

BRA Administrative Fee ($10,000 per anum)                                $                 -   $             10,000   $          10,000   $        10,000   $         10,000   $         10,000   $         10,000   $           10,000   $         10,000   $         10,000   $            10,000     $         10,000   $         10,000   $         10,000   $         10,000   $         10,000   $          10,000   $         10,000   $         10,000   $         10,000   $         10,000   $         10,000   $         10,000   $         10,000   $         10,000
Local TIR Available for Reimbursement                                    $                 -   $                355   $          31,787   $        70,056   $         78,930   $         62,671   $         63,085   $           63,932   $         64,373   $         66,281   $            66,044     $         67,907   $         68,488   $         68,721   $         70,411   $         76,270   $          60,172   $         62,273   $         64,416   $         66,602   $         68,831   $         71,106   $         73,425   $         75,791   $         78,205

Total State & Local TIR Available                                        $                 -   $              5,917   $          59,862   $     123,578     $        136,933   $        108,652   $        108,973   $          110,716   $        111,193   $     114,054      $         114,563       $     117,977      $     119,490      $     119,910      $     122,718      $     134,467      $         114,731   $     118,466      $     122,275      $     126,161      $     130,124      $     134,166      $     138,290      $     142,495      $     146,785
                                                        Beginning
DEVELOPER                                                Balance
Reimbursement Balance                             $        1,464,310     $        1,464,310    $        1,553,573     $     1,600,881     $   1,588,326     $    1,561,851     $    1,511,730     $    1,457,716     $     1,399,945      $    1,339,603     $    1,274,215     $       1,205,953       $    1,131,805     $   1,053,463      $     971,864      $     884,502      $     782,231      $         696,004   $     613,764      $     523,988      $     425,652      $     318,202      $     201,080      $         73,697   $     (64,568) $         (214,371)




MSHDA Costs
  State Tax Reimbursement                         $                  -
  Local Tax Reimbursement                         $                  -
  Total MSHDA Reimbursement Balance

Pre-Approved Activities (EGLE/MEDC)         $                628,305     $          628,305    $         628,305      $       622,566     $     578,598     $        490,048   $        392,580   $        315,264   $          237,834   $        159,084   $              -   $                  -    $      (81,541) $       (165,565) $                  -   $              -   $              -   $               -   $              -   $              -   $              -   $              -   $              -   $              -   $              -   $              -
   State Tax Reimbursement                  $              2,040,010     $                -    $           5,562      $        28,075     $      53,522     $         58,003   $         45,981   $         45,888   $           46,784   $         46,820   $         47,773   $             48,519    $       50,070 $          51,002 $              51,189   $         52,307   $         58,197   $          54,559   $         56,193   $         57,859   $         59,559   $         61,292   $         63,061   $         64,864   $         66,704   $         68,580
   Local Tax Reimbursement                  $              1,233,015     $                -    $             178      $        15,894     $      35,028     $         39,465   $         31,336   $         31,543   $           31,966   $         32,187   $         33,141   $             33,022    $       33,954 $          34,244 $              34,361   $         35,206   $         38,135   $          30,086   $         31,136   $         32,208   $         33,301   $         34,416   $         35,553   $         36,713   $         37,896   $         39,102
   Total Pre-Approved Reimbursement Balance                              $          628,305    $         622,566      $       578,598     $     490,048     $        392,580   $        315,264   $        237,834   $          159,084                                         $            (81,541)   $     (165,565)

MEDC Non-Environmental Costs
  State Tax Reimbursement
  Local Tax Reimbursement
  Total MEDC Reimbursement Balance

Local-Only Costs                                  $          836,005     $          836,005    $         836,005      $       835,828     $     819,934     $        784,906   $        745,441   $        714,106   $          682,563   $        650,597   $     618,411      $         585,270       $     552,248      $     518,295      $     484,051      $     449,690      $     414,485      $         376,350   $     346,264      $     315,127      $     282,919      $     249,619      $     215,203      $     179,650      $     142,937      $     105,042
   Local Tax Reimbursement                        $        1,233,015     $                -    $             178      $        15,894     $      35,028     $         39,465   $         31,336   $         31,543   $           31,966   $         32,187   $      33,141      $          33,022       $      33,954      $      34,244      $      34,361      $      35,206      $      38,135      $          30,086   $      31,136      $      32,208      $      33,301      $      34,416      $      35,553      $      36,713      $      37,896      $      39,102

   Total Local-Only Reimbursement Balance                                $          836,005    $         835,828      $       819,934     $     784,906     $        745,441   $        714,106   $        682,563   $          650,597   $        618,411   $     585,270      $         552,248       $     518,295      $     484,051      $     449,690      $     414,485      $     376,350      $         346,264   $     315,127      $     282,919      $     249,619      $     215,203      $     179,650      $     142,937      $     105,042      $         65,939

Simple Interest Expense                                                  $        1,464,310    $        1,553,573     $     1,600,881     $   1,588,326     $    1,561,851     $    1,511,730     $    1,457,716     $     1,399,945      $    1,339,603     $    1,274,215     $       1,205,953       $    1,131,805     $   1,053,463      $     971,864      $     884,502      $     782,231      $         696,004   $     613,764      $     523,988      $     425,652      $     318,202      $     201,080      $         73,697   $     (64,568)     $     (214,371)
               Annual Interest Incurred @ 6.5%                           $                -    $           95,180     $       107,169     $     111,023     $      110,458     $            -     $            -     $             -      $            -     $            -     $               -       $            -     $           -      $           -      $           -      $           -      $               -   $           -      $           -      $           -      $           -      $           -      $              -   $           -      $            -
               Annual Interest Incurred @ 3.5%                           $                -    $                -     $             -     $           -     $            -     $       58,531     $       54,959     $        52,944      $       50,851     $       48,666     $          46,301       $       43,829     $      41,147      $      38,311      $      35,356      $      32,195      $          28,505   $           -      $           -      $           -      $           -      $           -      $              -   $           -      $            -
               Annual Interest Incurred @ 5.0%                           $                -    $                -     $             -     $           -     $            -     $            -     $            -     $             -      $            -     $            -     $               -       $            -     $           -      $           -      $           -      $           -      $               -   $      36,225      $      32,499      $      27,824      $      22,674      $      17,044      $         10,906   $       4,230      $       (3,017)
   Local Tax Reimbursement
   Total Interest Reimbursement Balance                                  $        1,464,310    $        1,648,753     $     1,708,050     $   1,699,350     $    1,672,309     $    1,570,261     $    1,512,676     $     1,452,888      $    1,390,454     $    1,322,881     $       1,252,254       $    1,175,634     $   1,094,610      $    1,010,176     $     919,859      $     814,426      $         724,509   $     649,989      $     556,488      $     453,477      $     340,876      $     218,124      $         84,603   $     (60,338) $         (217,387)

Total Annual Developer Reimbursement                                     $                 -   $              5,917   $          59,862   $     123,578     $        136,933   $        108,652   $        108,973   $          110,716   $        111,193   $     114,054      $         114,563       $     117,977      $     119,490      $     119,910      $     122,718      $     134,467      $         114,731   $     118,466      $     122,275      $     126,161      $     130,124      $     134,166      $     138,290      $     142,495      $     146,785

LOCAL BROWNFIELD REVOLVING FUND
LBRF Deposits *                                                           $              - $                - $                   -       $             -   $              -   $              -   $              -   $                -   $              -   $              -   $                  -    $              -   $              -   $              -   $              -   $              -   $               -   $              -   $              -   $              -   $              -   $              -   $              -   $              -   $           -
     State Tax Capture                                                    $              - $                - $                   -       $             -   $              -   $              -   $              -   $                -   $              -   $              -   $                  -    $              -   $              -   $              -   $              -   $              -   $               -   $              -   $              -   $              -   $              -   $              -   $              -   $              -   $           -
     Local Tax Capture                                                    $              - $                - $                   -       $             -   $              -   $              -   $              -   $                -   $              -   $              -   $                  -    $              -   $              -   $              -   $              -   $              -   $               -   $              -   $              -   $              -   $              -   $              -   $              -   $         82,157   $     146,785
     Total LBRF Capture                           $           778,567 $                  - $                - $                   -       $             -   $              -   $              -   $              -   $                -   $              -   $              -   $                  -    $              -   $              -   $              -   $              -   $              -   $               -   $              -   $              -   $              -   $              -   $              -   $              -   $              -   $           -
 * Up to five years of capture for LBRF Deposits after eligible activities are reimbursed. May be taken from state and local TIR.




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             12/1/2025

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Page 13 of 24
                                                                                                                                                                                                                                                                 Table 3 – Estimated Reimbursement Schedule
                                                                                                                                                                                                                                                                            Act 381 Brownfield Plan
                                                                                                                                                                                                                                                                              221 W Webster, LLC
                                                                                                                                                                                                                                                                             221 W Webster Street
                                                                                                                                                                                                                                                                                 Muskegon, MI




                                                           26                    27                    28                    29                 30                 31                 32                 33                 34                 35
                                                         2033                  2034                   2035                  2036               2037               2038               2039               2040               2041               2042                TOTAL
Total State Incremental Revenue                  $           80,565      $         82,796      $          85,072     $          87,393     $       89,761     $       92,176     $       94,640     $       97,152     $       99,715     $      102,329     $     2,346,886

State Brownfield Redevelopment Fund (50% of SET)
                                              $                 10,071   $            10,350   $            10,634   $            10,924   $         11,220   $         11,522   $         11,830   $         12,144   $         12,464   $         12,791   $       306,876
State TIR Available for Reimbursement         $                 70,494   $            72,447   $            74,438   $            76,469   $         78,541   $         80,654   $         82,810   $         85,008   $         87,251   $         89,538   $     2,040,010

Total Local Incremental Revenue                  $              90,667   $            93,177   $            95,739   $            98,351   $     101,016      $     103,733      $     106,506      $     109,333      $     112,218      $     115,160      $     2,806,031

BRA Administrative Fee ($10,000 per anum)        $              10,000   $            10,000   $            10,000   $            10,000   $         10,000   $         10,000   $         10,000   $         10,000   $      10,000      $      10,000      $       340,000
Local TIR Available for Reimbursement            $              80,667   $            83,177   $            85,739   $            88,351   $         91,016   $         93,733   $         96,506   $         99,333   $     102,218      $     105,160      $     2,466,031

Total State & Local TIR Available                 $          151,161     $         155,624     $         160,177     $         164,820     $     169,556      $     174,388      $     179,315      $     184,342      $     189,468      $     194,698      $     4,506,041

DEVELOPER
Reimbursement Balance                             $         (376,401) $           (551,388) $           (740,103) $           (943,355) $      (1,162,001) $      (1,396,943) $      (1,649,133) $      (1,919,575) $      (2,209,327) $      (2,519,505) $                -




MSHDA Costs
  State Tax Reimbursement
  Local Tax Reimbursement
  Total MSHDA Reimbursement Balance

Pre-Approved Activities (EGLE/MEDC)         $                        -   $                 -   $                 -   $                 -   $              -   $              -   $              -   $              -   $              -   $              -
   State Tax Reimbursement                  $                   70,494   $            72,447   $            74,438   $            76,469   $         78,541   $         80,654   $         82,810   $         85,008   $         87,251   $         89,538   $     2,040,010
   Local Tax Reimbursement                  $                   40,333   $            41,589   $            42,869   $            44,175   $         45,508   $         46,867   $         48,253   $         49,667   $         51,109   $         52,580   $     1,233,015
   Total Pre-Approved Reimbursement Balance

MEDC Non-Environmental Costs
  State Tax Reimbursement
  Local Tax Reimbursement
  Total MEDC Reimbursement Balance

Local-Only Costs                                 $              65,939   $            25,606   $            (15,983) $            (58,852) $     (103,027) $        (148,535) $        (195,402) $        (243,655) $        (293,322) $        (344,430) $                -
   Local Tax Reimbursement                       $              40,333   $            41,589   $             42,869 $              44,175 $        45,508 $           46,867 $           48,253 $           49,667 $           51,109 $           52,580 $         1,233,015

   Total Local-Only Reimbursement Balance        $              25,606   $            (15,983) $            (58,852) $         (103,027) $       (148,535) $        (195,402) $        (243,655) $        (293,322) $        (344,430) $        (397,010) $        1,233,015

Simple Interest Expense                          $          (376,401)    $        (551,388)    $        (740,103)    $         (943,355)   $   (1,162,001)    $   (1,396,943)    $   (1,649,133)    $   (1,919,575)    $   (2,209,327)    $   (2,519,505)
               Annual Interest Incurred @ 6.5%   $                 -     $               -     $               -     $                -    $            -     $            -     $            -     $            -     $            -     $            - $           423,830
               Annual Interest Incurred @ 3.5%   $                 -     $               -     $               -     $                -    $            -     $            -     $            -     $            -     $            -     $            - $           531,595
               Annual Interest Incurred @ 5.0%   $           (10,869)    $         (19,364)    $         (28,538)    $          (38,432)   $      (49,089)    $      (60,554)    $      (72,875)    $      (86,100)    $     (100,284)    $     (115,481) $          119,223
   Local Tax Reimbursement                                                                                                                                                                                                                                $                -
   Total Interest Reimbursement Balance          $          (387,270) $           (570,752) $           (768,640) $            (981,787) $     (1,211,090) $      (1,457,497) $      (1,722,008) $      (2,005,675) $      (2,309,611) $      (2,634,986) $                -

Total Annual Developer Reimbursement             $           151,161     $         155,624     $         160,177     $         164,820     $     169,556      $     174,388      $     179,315      $     184,342      $     189,468      $     194,698      $     4,506,041

LOCAL BROWNFIELD REVOLVING FUND
LBRF Deposits *                                   $                     - $                  - $                  - $                  -   $              -   $              -   $              -   $              -   $              -   $              -   $      778,567
     State Tax Capture                            $                     - $                  - $                  - $                  -   $              -   $              -   $              -   $              -   $              -   $              -   $            -
     Local Tax Capture                            $            151,161 $              155,624 $            160,177 $              82,663   $              -   $              -   $              -   $              -   $              -   $              -   $      778,567
     Total LBRF Capture                           $                     - $                  - $                  - $                  -   $              -   $              -   $              -   $              -   $              -   $              -   $            -
 * Up to five years of capture for LBRF Deposits after eligible activities are reimbursed. May be taken from state and local TIR.




                                                                                                                                                                                                                                                                                                              12/1/2025

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        SECOND AMENDMENT TO THE BROWNFIELD DEVELOPMENT AND
          REIMBURSEMENT AGREEMENT (Site S -- Betten Auto Dealership)

       THIS Second Amendment, made this ninth day of December 2025, (the “Second
Amendment”), by and among the CITY OF MUSKEGON, of 933 Terrace Street, Muskegon,
Michigan 49440 (the “City”), and the BROWNFIELD REDEVELOPMENT AUTHORITY
OF THE CITY OF MUSKEGON, an authority established pursuant to Act 381 of the Public
Acts of 1966, as amended (“Act 381”), of 933 Terrace Street, Muskegon, Michigan 40440 (the
“Authority”).

        With reference to the following facts and circumstances:

                                              RECITALS

        A.         Pursuant to Act 381, the Authority has prepared a Brownfield Plan which was duly

approved by the Commissioners of the City, and an Amendment thereto which incorporates the

Betten Automotive Dealerships project; which Amendment was duly approved by the Authority

on April 1, 2008, then approved by the Authority as revised on May 13, 2008, and approved as

revised by the Commissioners of the City on May 13, 2008, and approved as revised by the

Commissioners of the City on May 13m 2008 (the “Brownfield Plan”).

        B.         A First Amendment to the Brownfield Development and Reimbursement

Agreement was adopted in 2012 to add 2425 South Henry Street.

        C.         In 2012, City acquired Developer’s eligible expenses as defined in the

Development and Reimbursement Agreement for $1,660,000. See First Amendment.

        D.         Due to economic conditions, which affected intended development, the

Authorities tax capture has not performed as anticipated.

        E.         The Authority owes City $613,000 as of December 1st, 2025 for eligible activities

in this project.




                                                                                                  Page 21 of 24
        F.       The Authority and City agree to extend the term of the Agreement by up to

fourteen (14) years as follows.

1.      Paragraph 3(b) shall be revised to read as follows:

        (b)      Reimbursement to Developer for its Eligible Costs shall be limited to the earliest
                 or least of the following: (1) reimbursement of all Eligible Costs under this
                 Agreement; (2) reimbursement of the Eligible Costs other than the City’s cost for
                 the Henry Street Resurfacing, together with the City’s cost for the Henry Street
                 Resurfacing (as described in Section 7) in an amount not to exceed Three Hundred
                 Thousand and No/100 Dollars ($300,000), in the total maximum amount of Three
                 Million and No/100 Dollars ($3,000,000) (the “$3,000,000 Cap”); or (3) in
                 recognition that the build-out of the project will likely not be substantially complete
                 and available for the Developer’s productive use until after the effective date for
                 the 2009 tax year assessment, and in recognition of the City’s desire to cap the
                 reimbursement to the Developer for Developer’s Eligible Costs after thirty (30)
                 years from the substantial completion of the project, after reimbursement to
                 Developer for Developer’s Eligible Costs in the total amount of all Tax Increment
                 Revenues billed and eligible for capture under the Plan and this Agreement from
                 the date of this Agreement through December 31, 2039 (the “30 Year Cap”).

     2. Paragraph 5 shall be revised to read as follows:

              (a) The Developer and the City agree that Developer shall undertake and complete to
                  the City’s reasonable satisfaction the relocation of a sanitary sewer line located in
                  the east side of the project. Notwithstanding any other provision of this Agreement,
                  reimbursement to the Developer for up to Seventy-Five Thousand and No/100
                  Dollars ($75,000) of its costs for this sewer line relocation shall, for accounting
                  purposes only, not be considered in calculation of the $3,000,000 Cap or the 30
                  Year Cap, insofar as reimbursement for such Eligible Costs would limit
                  reimbursement to Developer of its other Eligible Costs per the terms of this
                  Agreement; in such case, reimbursement for the Eligible Costs would continue if
                  and as necessary to reach the $3,000,000 Cap or the 16 Year Cap, whichever comes
                  first. The Developer’s costs for this sewer line relocation in excess of Seventy-Five
                  Thousand and No/100 Dollars ($75,000) shall be considered part of the Developer’s
                  Eligible Costs and included in and applied against the $3,000,000 Cap and/or the
                  30 Year Cap, and subject to reimbursement to the Developer as such as otherwise
                  provided under this Agreement.

              (b) The Developer shall use a “sewer camera” to investigate the condition of the
                  existing sewer line located in the West side of the Project, and shall undertake
                  reasonably necessary cleaning and repairs to the portion of that sewer line within
                  the Project site, at a cost to the Developer not to exceed One Hundred Fifty
                  Thousand and No/100 Dollars ($150,000). The costs associated with televising,
                  cleaning, and/or repairing this West side sewer line shall be Eligible Costs.




                                                                                                     Page 22 of 24
           Notwithstanding, if the foregoing costs exceed One Hundred Fifty Thousand and
           No/100 Dollars ($150,000), such excess amounts will be paid by the City but may,
           at the City’s option, only reimbursed to the City from the captured Tax Increment
           Revenues at any time after the earliest of the fulfillment of the 30 Year Cap, the
           $3,000,000 Cap, or reimbursement of all of Developer’s Eligible Costs under this
           Agreement.

3. Paragraph 7(b) shall be revised to read as follows:

       (c) The City’s costs for the Henry Street Resurfacing, up to a maximum of Three
           Hundred Thousand and No/100 Dollars ($300,000), shall be reimbursed to the City
           over a period of years from the captured Tax Increment Revenues. The amount of
           such reimbursement in any year shall be determined by multiplying the total dollar
           amount incurred and paid by the City for the Henry Street Resurfacing as of
           December 31 of the then most recent past calendar year by ten percent (10%),
           provided that the amount of such reimbursement in any year shall not exceed Thirty
           Thousand and No/100 Dollars ($30,000). Reimbursement under this formula shall
           continue until all such costs incurred and paid by the City for the Henry Street
           Resurfacing (to the maximum amount of Three Hundred Thousand and No/100
           Dollars ($300,000) have been paid in full. All such reimbursement(s) to the City in
           a total amount not to exceed Three Hundred Thousand and No/100 Dollars
           ($300,000) shall be included in and applied against the 30 Year Cap and the
           $3,000,000 Cap, and shall be paid in full by the time the earlier of the 30 Year Cap
           or the $3,000,000 Cap is reached. Notwithstanding any other provision of this
           Section 7(b), if in the year that the $3,000,000 Cap or the 30 Year Cap is reached,
           the City has not yet been fully reimbursed for the lesser of all of its Eligible Costs
           or Three Hundred Thousand and No/100 Dollars ($300,000) for the Henry Street
           Resurfacing, the City may be reimbursed in that year in an amount which exceeds
           Thirty Thousand and No/100 Dollars ($30,000).

4. Paragraph 7(d) shall be revised to read as follows:

       (d) If the City incurs and pays more than for Three Hundred Thousand and No/100
           Dollars ($300,000) for the Henry Street Resurfacing during the term of this
           Agreement, such excess amount may, at the City’s option, be reimbursed to the
           City from the captured Tax Increment Revenues at any time after the earliest of the
           fulfillment of the 30 Year Cap, the $3,000,000 Cap, or reimbursement of all of
           Developer’s Eligible Costs under this Agreement.

5. Paragraph 9 shall be revised to read as follows:

           From the Tax Increment Revenues collected during the term of this Agreement, the
           Authority shall be paid the sum of Ten Thousand and No/100 Dollars ($10,000) per
           calendar year for its administration of the Plan (the “Authority Fee”), provided
           that if the total Tax Increment Revenues captured (or, if Developer fails to timely
           pay its property taxes on the project, the amount capturable if such taxes were




                                                                                              Page 23 of 24
               timely paid) in any calendar year are insufficient to pay the Authority Fee for that
               year shall accrue and be paid according to the Payment Priority Schedule in the
               next year in which sufficient captured Tax Increment Revenues are available.
               Notwithstanding anything to the contrary in this Agreement, the Authority Fee shall
               not be considered as part of or applied to the calculation of the 30 Year Cap or the
               $3,000,000 Cap (as is the case for the $75,000 of the sewer costs detailed in section
               5 of this Agreement) and for accounting purposes shall be deemed to be collected
               and paid after the Developer has been repaid the entirety of its Eligible Costs per
               the terms of this Agreement.

   6. Paragraph 10(c) shall be revised to read as follows:

           (e) Interest shall accrue on the Developer’s costs for Eligible Activities at the rate of
               six and one-half percent (6.5%) per annum. Such interest shall be included in the
               Eligible Costs for purposes of this Agreement. Interest shall begin to accrue on any
               such costs on the date that Developer submits to the Authority evidence of its
               payment of such Eligible Costs and shall continue to accrue on all unreimbursed
               costs for Eligible Activities submitted by Developer until the earlier of the 30 Year
               Cap or upon payment of all Eligible Costs up to the $3,000,000 Cap.

   7. In all other respects, City of Muskegon Brownfield Development and Reimbursement

Agreement for Site S -- Betten Auto Dealership are unaffected and remain in full force and effect.

   The parties have executed this Second Amendment in supplicate original on the date set forth

above.




THE CITY OF MUSKEGON                         BROWNFIELD REDEVELOPMENT
                                             AUTHORITY OF THE CITY OF MUSKEGON

By: _______________________________ By: ________________________________

Its: _______________________________ Its: ________________________________




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