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APPLICATION (Executed) - TIF - PL - 5.1.2026 Kalispell, MT West Side Urban Renewal – Core Area Tax Incremental Financing District TIF Application Parkline Partners LP | Submitted as of May 1 , 2026 Kalispell, MT TABLE OF CONTENTS TIF Application I. TIF Application II. Job Creation Analysis | Labor & Wages III. Project Cost | Proposed TIF Eligible Improvements IV. Third -Party Financial An alysis Report by Economic & Planning Systems, Inc. V. Addendum : Proposed Project Scope Package (At tached separately ) TIF APPLICATION Average wage per hour $ 1 City of Kalispell Downtown Urban Renewal District and WestSide/Core Area Urban Renewal District Tax Increment Financing (TIF) Application (Application must be completed in full with all required documents attached) APPLICANT INFORMATION Name of Applicant: Parkline Partners LP Mailing Address: 4809 Cole Ave., Suite 330, Dallas, TX 75205 Phone number: (214) 960-2818 E-Mail: Buck@shopcompanies.com PROJECT INFORMATION Business Name: Parkline Partners, LP Business/Project Physical Address: 10, 20 & 30 N Main Street, Kalispell, MT 59901 Business Insurance Co: Dexter & Company Tax ID # 99-3038498 Business Type (Corp, LLC, Partnership, etc.): Limited Partnership Date business was formed: 4/30/2024 Date of property acquisition: 6/21/2024 Shareholders Name Address % Owned *A current financial statement for each shareholder involved in the project may be required as well as documentation of financial capacity. (This information will be kept confidential, subject to challenge in a court of law.) Description of business (product or service provided, etc.): Annual amount of property taxes: $304,683.37 (Mall Improvements & Land: $276,926.71 | US Bank Improvements: $18,084.64 | Starbucks Improvements: $9,672.02) Current on all property taxes: X Yes No Employment: Please see attached Schedule A. Number of retained positions: ; Full Time: Part Time: Number of new positions to be created: ; Full Time: Part Time: 2 Attachment: Attach an Excel spreadsheet briefly listing and describing the job classifications with the average wage noted by each job classification. Provide a schedule of when the positions are anticipated to be created and filled. Provide a summary of the fringe benefits provided to employees: TBD Project Architectural Firm: Olson Kundig Contact: Tom Kundig (Principal / Owner & Founder) / John Riordan (Principal) Address: 159 South Jackson Street, Suite 600, Seattle, WA 98104 Phone: (206) 624-3730 E-mail: johnr@olsunkundig.com Project Contractor: TBD (relationship with Martel Construction) Address: Phone: E-mail: Has such contractor or architect ever failed to qualify as a responsible bidder, refused to enter into a contract after an award has been made, or failed to complete a construction or development contract within the last 10 years? No Yes If yes, explain: STATEMENT OF QUALIFICATION AND FINANCIAL RESPONSIBILITY Has the applicant or any individual or entity affiliated with the development of this project been adjudged bankrupt, either voluntarily or involuntarily, within the past ten years? No X Yes if yes, list date, place, and under what name: Has the applicant or any individual or entity affiliated with the development of this project been indicted for or convicted of any felony within the past 10 years? No X Yes if yes, list the date, charge, place, court and action taken for each case: 3 PROJECT EXPENSE WORKSHEET Proposed project description: Please see attached Schedule B. Proposed Construction/Rehabilitation Costs: (If additional room is needed, provide an Excel sheet of expenses) Explanation: Cost: $ Explanation: Cost: $ Explanation: Cost: $ Explanation: Cost: $ Explanation: Cost: $ Explanation: Cost: $ Explanation: Cost: $ Explanation: Cost: $ Architectural Design/Supervision: Cost: $ Permitting Fees: Cost: $ Additional Fees: Cost: $ Additional Fees: Cost: $ Total Project Expense: $ Attachment: Attach bids for each proposed project expense Proposed project schedule with start date and completion date: TBD 4 PROJECT FINANCING WORKSHEET Project Financial Lending Institution: TBD (relationship with Glacier Bank, Peter Akey) Contact: Address: Phone: E-mail: Total Project Cost: Land and Building if recently purchased (5 years): $ Cash invested in recent improvements (5 years): Explanation: $ Explanation: $ Explanation: $ Explanation: $ Subtotal: $ Total ‘Project Expense’ from page 3: $ Total Project Cost: $ Lender Commitments (Include letters of credit or other documentation.) Lender Loan Amount Interest Term Payment/Period $ % yrs $ /Month $ % yrs $ /Month 5 TIF FUNDING REQUESTED (Refer to appropriate Urban Renewal Plan– TIF District Policies for more information) Public Impact Categories X Shared Utilities Extension Sidewalk Improvement Tree Placement/Replacement Private Investment Categories Loan Programs: Façade Improvement Rehabilitation/Code Compliance Grant Programs: Historic Façade Improvement Site Preparation and Demolition (Additional grant or loan dollars may be available through the Kalispell Brownfields Program) X Technical Assistance X Public Infrastructure 6 CERTIFICATION I (we), Buck Wheeler, as Member and Authorized Signatory of Parkline Partners GP LLC, General Partner of Parkline Partners LP (please print), certify that the statements and estimates within this application as well as any and all documentation submitted as attachments to this application under separate cover are true and correct to the best of my (our) knowledge and belief. Name: Parkline Partners LP Name: Signature: Signature: Title: Member and Authorized Signatory Title: Date: 4/30/2026 Date: Return to: City of Kalispell Community & Economic Development Department 201 1st Avenue East, Kalispell, MT 59901 406-758-7713 kking@kalispell.com Required attachments: • Excel spreadsheet briefly listing and describing the job classifications with the average wage noted by each job classification. Provide a schedule of when the positions are anticipated to be created and filled. • Bids for each proposed project expense listed on page 3. • Letters of commitment or documentation from any project lender commitment listed on page 4. LABOR ANALYSIS Occupied Vacant TOTAL Occupied Vacancy1 TOTAL Existing Retail 90,868 SF 124,212 SF 215,080 SF 99,360 SF 8,640 SF 108,000 SF Existing Hotel2 106,312 SF 0 SF 106,312 SF 106,312 SF 0 SF 106,312 SF Existing Bank (Pad)3,000 SF 0 SF 3,000 SF 3,000 SF 0 SF 3,000 SF Existing Starbucks (Pad)2,150 SF 0 SF 2,150 SF 2,150 SF 0 SF 2,150 SF Retail (Proposed)0 SF 0 SF 0 SF 35,420 SF 3,080 SF 38,500 SF Event Venue (Proposed)0 SF 0 SF 0 SF 30,000 SF 0 SF 30,000 SF Hotel (Proposed)0 SF 0 SF 0 SF 115,000 SF 0 SF 115,000 SF TOTAL:202,330 SF 124,212 SF 326,542 SF 391,242 SF 11,720 SF 402,962 SF Low High Low High Hourly Annually Low High Existing Retail Operational 90,868 SF Occ.1 per 550 SF 1 per 350 SF 165 260 $22.75 $47,310 $7,816,300 $12,282,757 Existing Hotel2 Operational 170 Rooms 0.5 per Room 1.0 per Room 85 170 $20.19 $42,000 $3,570,000 $7,140,000 Existing Bank (Pad)Operational 3,000 SF Occ.1 per 500 SF 1 per 300 SF 6 10 $26.44 $55,000 $330,000 $550,000 Existing Starbucks (Pad)Operational 2,150 SF Occ.1 per 250 SF 1 per 150 SF 9 14 $16.83 $35,000 $301,000 $501,667 TOTAL EXISTING:265 454 $21.55 $44,828 $12,017,300 $20,474,424 Low High Low High Hourly Annually Low High Existing Retail (Remodel)Construction 108,000 SF 1 per 500 SF 1 per 350 SF 216 309 $29.44 $61,240 $13,227,840 $18,896,914 Existing Hotel2 Construction 170 Rooms -------- Existing Bank (Pad)Construction 3,000 SF -------- Existing Starbucks (Pad)Construction 2,150 SF -------- New Retail Construction 38,500 SF 1 per 550 SF 1 per 350 SF 70 110 $29.44 $61,240 $4,286,800 $6,736,400 Event Venue Construction 30,000 SF 1 per 1,250 SF 1 per 750 SF 24 40 $29.44 $61,240 $1,469,760 $2,449,600 Hotel Construction 152 Rooms 0.5 per Room 1.0 per Room 76 152 $29.44 $61,240 $4,654,240 $9,308,480 TOTAL CONSTRUCTION:386 611 $29.44 $61,240 $23,638,640 $37,391,394 Low High Low High Hourly Annually Low High Existing Retail Operational 99,360 SF Occ.1 per 550 SF 1 per 350 SF 181 284 $22.75 $47,310 $8,546,767 $13,430,633 Existing Hotel2 Operational 170 Rooms 0.5 per Room 1.0 per Room 85 170 $20.19 $42,000 $7,140,000 $7,140,000 Existing Bank (Pad)Operational 3,000 SF Occ.1 per 500 SF 1 per 300 SF 6 10 $26.44 $55,000 $550,000 $550,000 Existing Starbucks (Pad)Operational 2,150 SF Occ.1 per 250 SF 1 per 150 SF 9 14 $16.83 $35,000 $501,667 $501,667 New Retail Operational 35,420 SF Occ.1 per 550 SF 1 per 350 SF 64 101 $22.75 $47,310 $4,787,772 $4,787,772 Event Venue Operational 30,000 SF Occ.1 per 1,250 SF 1 per 750 SF 24 40 $18.51 $38,500 $1,540,000 $1,540,000 Hotel Operational 152 Rooms 0.5 per Room 1.0 per Room 76 152 $20.19 $42,000 $6,384,000 $6,384,000 TOTAL OPERATIONAL:445 771 $21.09 $43,874 $29,450,205 $34,334,072 Low High Hourly Annually Low High Total Estimated Post-Redevelopment Jobs:831 1,382 $24.95 $51,900 $53,088,845 $71,725,466 Total Estimated Net New Jobs:566 928 $26.55 $55,225 $41,071,545 $51,251,042 FOOTNOTES: 1 - This analysis assumes an 8% vacancy factor for all multi-tenant retail at stabilization. 2 - Analysis assumes existing Red Lion Hotel remains static, with no additional construction jobs; Red Lion is prepared to invest funding into a significant renovation once redevelopment plans are approved 3 & 4 - The assumptions for number of employees and average wages in this analysis were sourced from the following citations: BEA RIMS-II Handbook; RSMeans Building Construction Cost Data; BLS OEWS; STR Hotel Industry Metrics; International Council of Shopping Centers (ICSC). Estimated No. of Jobs3 Average Employee Wages4 Total Est. Annual Wages SUMMARY REDEVELOPMENT ESTIMATE | OPERATIONAL Use Type Basis / Assumption Estimated No. of Jobs3 Average Employee Wages4 Total Est. Annual WagesStaffing Ratios Total Est. Annual Wages ESTIMATED LABOR & WAGES ANALYSIS EXISTING ESTIMATE REDEVELOPMENT ESTIMATE | CONSTRUCTION Staffing Ratios Staffing Ratios Job Category Use Type Basis / Assumption Average Employee Wages4 Total Est. Annual Wages PARKLINE DISTRICT Kalispell, MT Labor Analysis as of April 2026 REDEVELOPMENTEXISTINGBUSINESS TYPE BUSINESS AREA ANALYSIS Job Category Job Category Estimated No. of Jobs3 Basis / AssumptionUse Type Estimated No. of Jobs3 Average Employee Wages4 PROJECT COST $TIF Program LAND: 3rd Avenue ROW Land Acquisition for Public Easement (±28,000sf at $25/sf)$700,000 Public Infrastructure Total Land Costs:$700,000 HARD COSTS: BUILDING: Demolition of Existing Improvements $2,501,067 Public Infrastructure Façade Remediation (New Building Façade ("Scar") along 3rd Ave)$5,066,583 Public Infrastructure Subtotal Building:$7,567,650 SITE: 3rd Avenue Connection & Streetscape Improvements $2,528,912 Public Infrastructure Streetscape Improvements (Central St. & 5th Ave.)$1,412,950 Shared Utilities Traffic signal $467,500 Shared Utilities Shared Utilities $2,248,031 Shared Utilities Environmental Remediation1 TBD Public Infrastructure Subtotal Site:$6,657,393 Total Hard Costs:$14,225,043 SOFT COSTS: Architecture (Building & Landscape)TBD Per Associated Hard Cost Engineering (Civil & MEP)TBD Per Associated Hard Cost Traffic Study TBD Per Associated Hard Cost Impact & Permitting Fees TBD Per Associated Hard Cost Materials Testing & Survey TBD Per Associated Hard Cost GeoTech TBD Per Associated Hard Cost Environmental (Engineering, Testing, Reporting, Etc.)1 TBD Per Associated Hard Cost Total Soft Costs:2 $1,991,600 TOTAL:$16,916,643 Public Infrastructure Subtotal:$12,210,162 Shared Utilities Subtotal:$4,706,481 FOOTNOTES: 1 - No Environmental Costs (Hard & Soft) are included in this cost estimate. 2 - This cost estimate assumes Soft Costs are approximately 14% of the total Hard Costs. Proposed TIF Eligible Improvements PARKLINE DISTRICT Kalispell, MT Summary of Estimated Cost of Proposed TIF Eligible Improvements as of May 1, 2026 Page 1 of 3 Demolition of Existing Improvements:Unit Qty.$/Unit TOTAL Remarks Herberger's: Contractor General Conditions LS $132,098 Mechanical, Electrical, Plumbing, Gas, Fire Demo LS 1 $37,096 $37,096 Remove AC units from the Building roof EA 8 $3,150 $25,200 Demolition of Building Pad SF 86,699 $9.01 $781,158 Includes disposal/haul-off of Debris Demolition of CMU walls 944cy SF 38,293 $9.03 $345,786 Includes disposal/haul-off of Debris Contingency %10%$132,134 Subtotal:$1,453,472 Mall (Selective): Contractor General Conditions LS $103,656 Mechanical, Electrical, Plumbing, Gas, Fire Demo LS 1 $287,896 $287,896 Includes re-piping of Gas Lines feeding other tenants to remain Remove AC units from the Building roof SF 5 $3,439 $17,194 Demo of columns and relocate, secure to girder SF 8 $6,771 $54,172 Demolition of old mall area Building slab SF 38,624 $10.13 $391,256 Includes disposal/haul-off of Debris Disposal of demolition debris for cmu walls 944cy SF 8,784 $9.03 $79,320 Cut roof deck at termination point LF 351 $53.75 $18,866 Contingency %10%$95,236 Subtotal:$1,047,595 Total Demolition of Existing Improvements:$2,501,067 Public Road & Streetscape (3rd Avenue Connection):Unit Qty.$/Unit TOTAL Remarks Asphalt Section SF 1,000 $9.48 $9,480 Fabric, 4" Asphalt, 3" - 3/4" Crush, 9" - 3" Material Paver section SF 27,500 $35.00 $962,500 Road base, concrete sub base and pavers Concrete Curb LF 1,750 $21.92 $38,360 Per Civil Utility Relocations - Northwest Energy ALLOW 1 $85,000 $85,000 per Chris Beccari with Northwestern Energy Utility Relocations - FEC ALLOW 1 $65,000 $65,000 Plug Decorative Concrete SF 14,700 $22.43 $329,721 Integral colored concrete with decorative finish. Tree Grate EA 20 $2,635 $52,700 Steel 4'x6' grate or sim. Street Tree EA 32 $2,150 $68,800 4" Cal. min. 14' ht min. Ornamental Tree EA 12 $1,200 $14,400 3" Cal. Min. 12' HT min. Planting Area SF 7,335 $24.00 $176,040 Mix of planting sizes, bed prep, mulch Irrigation SF 7,335 $6.00 $44,010 Assume drip irrigation Boulders ALLOW 1 $28,000 $28,000 Specimen boulders local to the flathead valley Site Furniture ALLOW 1 $115,000 $115,000 Benches, bollards, tables & chairs, litter bins, bike racks, etc. Lighting ALLOW 1 $135,000 $135,000 Street Lighting and Landscape accent lighting Trailhead at Parkline Trail / 3rd Ave ALLOW 1 $175,000 $175,000 Signage, seating, bike racks, low wall, bike repair station, drink fountain, etc. Contingency %10%$229,901 Total 3rd Avenue Connection:$2,528,912 New Building Façade along 3rd Avenue (“Scar”):Unit Qty.$/Unit TOTAL Remarks Temporary Façade: Contractor General Conditions LS $40,316 Frame new scar wall (351 l' x 26'-6") Labor SF 9,300 $12.50 $116,250 Frame new scar wall (351 l' x 26'-6") Materials SF 10,800 $11.50 $124,200 Assumed Metal Studs w/ Plywood Sheeting Install roofing over scar wall LF 351 $19.00 $6,669 Install roofing flashing over scar wall LF 375 $12.50 $4,688 Insulate Scar Wall SF 7,184 $1.90 $13,650 2 layers 5/8 drywall, interior wall (351 l' x 23'-4")SF 7,184 $4.50 $32,328 For Fire-Rating Tape and texture interior wall (351 l' x 23'-4")SF 7,184 $1.50 $10,776 Paint interior scar wall (351 l' x 23'-4")SF 7,184 $1.95 $14,009 Assumed 1-Color Finish Exterior doors M&L on scar wall EA 6 $2,100 $12,600 Assumed Insulated Hollow-Metal Doors (Double 30/70) Exterior facade M&L on scar wall (351 l' x 26'-6")SF 9,300 $17.50 $162,750 Assumed Hardy EIFS Panels w/ Metal Wainscot Construction cleanup and waste disposal LS 1 $5,250 $5,250 Contingency %10%$54,348 Subtotal:$597,833 New Façade at "Scar": Per Olson Kundig's Drawings LF 325 $12,500 $4,062,500 Contingency %10%$406,250 Subtotal:$4,468,750 Total New Building Façade along 3rd Avenue:$5,066,583 PARKLINE DISTRICT Kalispell, MT Detail of Estimated Cost of Proposed Eligible Improvements as of May 1, 2026 (Hard Costs Only) Public Thoroughfare Connection (3rd Avenue) Page 2 of 3 PARKLINE DISTRICT Kalispell, MT Detail of Estimated Cost of Proposed Eligible Improvements as of May 1, 2026 (Hard Costs Only) Public Thoroughfare Connection (3rd Avenue) Traffic Signal :Unit Qty.$/Unit TOTAL Remarks Traffic Signal LS 1 $425,000 $425,000 Contingency %10%$42,500 Total Traffic Signal:$467,500 Unit Qty.$/Unit TOTAL Remarks General - Mobilization LS 1 $123,961 $123,961 General - Construction Surveying LS 1 $32,978 $32,978 General - Quality Control Materials Testing LS 1 $22,116 $22,116 Transformer(s)LS 1 $228,500 $228,500 Gas LS 1 $217,000 $217,000 Water Main Removal LF 1,700 $87.00 $147,900 Sewer Main Removal LF 700 $93.00 $65,100 Storm drain Main Removal LF 3,000 $59.15 $177,450 8" Water Main Extension LF 1,500 $104.32 $156,480 8" Sewer Main Extension LF 1,000 $123.00 $123,000 Storm drain Manholes EA 20 $4,637 $92,740 12" Storm drain Main LF 2,600 $87.00 $226,200 Dry Utility LS 1 $185,000 $185,000 Site lighting, power re-routing Contingency %25%$449,606 Total Public Utilities:$2,248,031 Unit Qty.$/Unit TOTAL Remarks Concrete Sidewalk SF 7,500 $9.00 $67,500 Standard, Assume 4" thick concrete sidewalk Decorative Paving SF 21,600 $35.00 $756,000 Decorative concrete and/or pavers with sub-slab Street Tree EA 27 $2,000 $54,000 4" Cal. min. 14' ht min. Canopy Tree EA 10 $1,200 $12,000 3" Cal min. 12' ht min. Planting Area SF 8,000 $24.00 $192,000 Mix of planting sizes, bed prep, mulch Irrigation SF 8,000 $6.00 $48,000 Assume drip irrigation Site Furniture ALLOW 1 $60,000 $60,000 Benches, bollards, tables & chairs, litter bins Lighting ALLOW 1 $95,000 $95,000 Street Lighting and Landscape accent lighting Contingency %10%$128,450 Total Streetscape Improvements:$1,412,950 Public Streetscape & Sidewalk Improvements (Center St. & 5th Ave.) Public & Shared Utilities Page 3 of 3 THIRD-PARTY FINANCIAL ANALYSIS PARKLINE DISTRICT URA FINANCIAL ANALYSIS REPORT Prepared for: Prepared by: City of Kalispell Economic & Planning Systems, Inc. Parkline Partners LP April 28, 2026 EPS #253118 DENVER OFFICE OAKLAND OFFICE SACRAMENTO OFFICE LOS ANGELES OFFICE 1600 Stout Street, Suite 1850 1330 Broadway, Suite 450 455 Capitol Mall, Suite 701 800 Wilshire Boulevard, Suite 410 Denver, CO 80202 Oakland, CA 94612 Sacramento, CA 95814 Los Angeles, CA 90017 303 623 3557 510 841 9190 916 649 8010 213 489 3838 epsys.com Table of Contents 1. Introduction and Summary of Findings 1 Introduction .............................................................................................................................................................. 1 Limitations ................................................................................................................................................................ 1 Project Description ................................................................................................................................................. 1 Summary of Findings .............................................................................................................................................. 3 2. Project Description 5 Existing Conditions ................................................................................................................................................. 5 Redevelopment Plan............................................................................................................................................... 7 Phasing and Leasing Forecast ............................................................................................................................... 9 3. Development Costs 11 Development Costs .............................................................................................................................................. 11 Requested TIF Costs ............................................................................................................................................ 11 4. Financial Feasibility Analysis 12 Pad Sales ................................................................................................................................................................. 12 Net Operating Income ......................................................................................................................................... 13 Financial Metrics ................................................................................................................................................... 15 Cash Flow and Feasibility .................................................................................................................................... 17 5. Tax Increment Projections 19 Taxable Value ......................................................................................................................................................... 19 Incremental Tax Revenue Forecast ................................................................................................................... 21 Findings ................................................................................................................................................................... 23 List of Tables Table 1. Mall Development Program ...................................................................................................................... 2 Table 2. Pad Site Development Program ............................................................................................................... 2 Table 3. Summary of 25-year Incremental Tax Revenue Forecast ................................................................... 3 Table 4. Summary of Financial Feasibility Analysis .............................................................................................. 4 Table 5. Development Program ............................................................................................................................... 5 Table 6. Phase I Pad Sites Development Phasing ................................................................................................ 9 Table 7. Pad Building Assumptions ......................................................................................................................... 9 Table 8. Mall Occupancy Forecast ....................................................................................................................... 10 Table 9. Development Costs ................................................................................................................................. 11 Table 10. Pad Sales/Lease Assumptions ............................................................................................................... 12 Table 11. Existing Net Operating Income ............................................................................................................. 13 Table 12. Post-Redevelopment Net Operating Income, Stabilized (2033)..................................................... 14 Table 13. Weighted Average Cost of Capital ....................................................................................................... 15 Table 14. Exit Cap Rates, West Region, 2025 ...................................................................................................... 16 Table 15. Development Cash Flows ....................................................................................................................... 18 Table 16. Retail Taxable Value Comparables ........................................................................................................ 20 Table 17. Hotel Assessed Value Comparables ..................................................................................................... 20 Table 18. Tax Increment Forecast .......................................................................................................................... 22 List of Figures Figure 1. Existing Conditions Map ............................................................................................................................ 6 Figure 2. Conceptual Phasing Diagram .................................................................................................................... 8 Economic & Planning Systems, Inc. 1 Introduction and Summary of Findings 1. Introduction and Summary of Findings Introduction The Parkline District is the proposed reinvestment and redevelopment of Kalispell Center Mall. Parkline Partners LP (“Parkline Partners”) purchased the mall property and outparcels in 2024 and is proposing a major redevelopment and renovation. Parkline Partners is requesting $16.9 million in financial assistance to pay for public improvements and redevelopment costs that qualify as eligible reimbursements through the City’s West Side Urban Renewal – Core Area Tax Increment Financing District Assistance Program (West Side URA). The City is requiring an independent financial analysis of Parkline Partners’ development plan to help them determine: • If the project has a financing gap that justifies awarding TIF funding (a “but for” analysis), and; • The amount of TIF that is appropriate to award considering the financing gap for the project and the costs of project eligible to be funded with TIF consistent with the West Side URA and City policies. The City of Kalispell referred Parkline Partners to Economic & Planning Systems (EPS) to prepare a financial analysis of the project and incremental tax revenue projections. Parkline Partners then hired EPS to complete the analysis contained in this Report with input and guidance from the City of Kalispell. Limitations This report strives to balance providing enough information for the City to review the project, and to protect confidential information that could affect ongoing negotiations the developer is having with prospective tenants. In addition, Montana Law restricts disclosing real estate sale prices. Therefore, there are areas of the analysis where information such as costs, land sale revenues, and lease revenues are aggregated and reported as a property-wide average or in broad categories. Project Description Kalispell Center Mall is a 321,000 regional mall on 22.45 acres. The northern boundary of the site is bounded by the Parkline multi use trail on a former Great Northern Railway rail bed. The current tenant mix is comprised of 137,908 sq. ft. of anchor space (tenants larger than 40,000 sq. ft.) including the vacant 87,000 square foot former Herberger’s department store and J.C. Penny (51,000 sq. ft.). The Red Lion Hotel attached to the east side of the mall building is 111,000 sq. ft., and there are about 72,000 square feet of smaller inline mall tenants. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 2 Introduction and Summary of Findings The proposed development plan will reposition and “right size” the Mall to be more attractive to prospective tenants. The Herberger’s space will be demolished. Other tenant spaces will be reconfigured and demolished to reduce the mall building footprint to about 108,000 square feet, excluding the Red Lion Hotel. These proposed changes result in a reduction of 102,700 square feet of leasable area in the Mall. The land under the Herberger’s space and on the west side of the mall will be subdivided and the development plans propose several free-standing buildings. The current development plans envision a hotel, events center or entertainment venue, and two freestanding multi-tenant retail buildings. Table 1 shows the proposed development program for the Mall redevelopment, and Table 2 shows the development assumptions used for the pad sites. Table 1. Mall Development Program Table 2. Pad Site Development Program Description Existing Proposed Change Mall (Sq. Ft.) Anchor 137,908 51,257 -86,651 Red Lion Hotel 106,312 106,312 0 Inline 77,172 61,167 -16,005 Total 321,392 218,736 -102,656 Existing Outparcels (Sq. Ft.) Total [1]4,872 4,872 0 Proposed Outparcels (Acres) Total 0.0 7.4 7.4 [1] U.S. Bank and Starbucks Source: SHOP Companies; Economic & Planning Systems Description Acres FA R Building Retail NW 1.65 0.25 18,000 sf Event Venue 1.61 0.40 28,000 sf Hotel 2.07 ---201 rooms Retail NE 2.07 0 22,500 sf Source: Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 3 Introduction and Summary of Findings Summary of Findings Tax Increment Projections EPS prepared a tax increment revenue projection for a 25-year period from 2026 through 2050. Over this time period, the project is expected to generate a large increase in assessed value in the West Side URA. The current base assessed value for the property is $15.75 million and is estimated to grow to $130.4 million in 2050 through new construction, redevelopment, and appreciation in market values after the construction period (Table 3). The incremental assessed value growth is therefore $114.7 million, which translates to a taxable value increase of $2.18 million. The cumulative incremental property tax generated from 2026 through 2050 is estimated at $22.2 million over this time period. Parkline Partners is requesting $16.9 million in assistance from the West Side URA. The tax increment projections estimate that the Project will generate $22.2 million in cumulative property tax increment revenues, which is enough to pay back the TIF investment in the Project. The financial feasibility (pro forma) analysis contained in this report assumes that the TIF investment of $16.9 million is paid out in approximately 2 to 3 years upon substantial completion of a defined scope of work that qualifies for reimbursement under the West Side URA TIF. Table 3. Summary of 25-year Incremental Tax Revenue Forecast Assessed Taxable Incremental Year Value Value Property Tax 1.90%681.93 2025 Base $15,750,000 $299,250 2050 $130,414,594 $2,477,877 Total Increment in 2050 $114,664,594 $2,178,627 $1,457,764 on 2049 taxable value Cumulative through 2050 $22,206,538 Source: Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 4 Introduction and Summary of Findings Financial Feasibility EPS prepared cash flow analysis of the project over the 11-year project development schedule that has been estimated. The cash flow analysis evaluates the financial feasibility of the development with and without the TIF investment. Without the TIF investment, the project is not feasible and has a financing gap of -$27.2 million (net present value), as shown in Table 4. The total net cash flow is estimated at $8.8 million over 11 years. The internal rate of return (IRR), the annual rate of return on the investment, is estimated at 1.65% which is well below the 11.0% threshold for a real estate development investment. With the requested $16.9 million in TIF reimbursements, the project achieves $22.2 million in net cash flow over 11 years and achieves a net present value of -$22.3 million. The IRR is 3.89%, which is still well below the 11.0% hurdle rate. The project still has a significant financing gap that the developer will need to fill with other sources. This analysis does show that the award of TIF does not unreasonably inflate the developer’s return beyond market-based expectations for rates of return on real estate. Table 4. Summary of Financial Feasibility Analysis Description Factor Total PROJECT CASH FLOWS Net Project Cash Flows $8,871,627 Construction Costs -$65,330,572 Commercial Pads $14,222,618 Mall NOI $22,735,744 Mall Disposition Income $37,243,836 Net Present Value 11.00%-$27,177,976 Internal Rate of Return 1.65% PROJECT CASH FLOWS WITH PUBLIC SUBSIDY Net Project Cash Flows $22,828,933 Construction Costs -$65,330,572 Commercial Pads $14,222,618 Mall NOI $22,735,744 Mall Disposition Income $37,243,836 TIF Contribution $13,957,306 Net Present Value 11.00%-$22,295,845 Internal Rate of Return 3.89% Source: Developer; Economic & Planning Systems Economic & Planning Systems, Inc. 5 Project Description 2. Project Description Existing Conditions Currently, only 55% of the existing tenant space is occupied, or 177,000 square feet of the total 322,000 including Red Lion. Looking at the Mall only, there are about 215,000 square feet of leasable area of which 71,000 square feet are occupied, an occupancy rate of 33%. As described in the Summary of Findings, the proposed redevelopment plan will modernize and reposition the Mall. A notable outcome is a reduction in leasable area of about 102,000 square feet, thus “right sizing” the mall for current market conditions and reconfiguring the design for more current lifestyle retail trends (Table 5). Several other malls across the U.S. have undergone similar transformations that reduce leasable area and turn the mall “inside out” to make it more visible and accessible to the outside, creating a more defined place with an attractive pedestrian environment. Key features include more tenant store fronts on the exterior, more exterior access points, and design and placemaking features on the exterior of the building. Foothills Mall in Fort Collins, CO, Gallatin Center Mall in Bozeman, and 29th Street in Boulder, CO are regional examples of these renovation strategies. Table 5. Development Program Description Existing Proposed Change Mall (Sq. Ft.) Anchor 137,908 51,257 -86,651 Red Lion Hotel 106,312 106,312 0 Inline 77,172 61,167 -16,005 Total 321,392 218,736 -102,656 Existing Outparcels (Sq. Ft.) Total [1]4,872 4,872 0 Proposed Outparcels (Acres) Total 0.0 7.4 7.4 [1] U.S. Bank and Starbucks Source: SHOP Companies; Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 6 Project Description Figure 1. Existing Conditions Map PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 7 Project Description Redevelopment Plan This section contains a summary of the redevelopment plan as envisioned as of this writing. Figure 2 shows a conceptual diagram of the project phasing. The more detailed sequencing of specific improvements may change. Phase 1 – Public Improvements and Pad Sites Phase 1 includes the following redevelopment activities: • Demolish the Herberger’s department store • Subdivide the western portion of the site into four pad sites • Extend 3rd Avenue West through the property to complete the street grid • Repair and renovate the building “scar” where Herberger’s joined the main Mall building The pad site development is the first phase. The pad sites are anticipated to be sold or ground leased to third parties. Parkline Partners is currently marketing the properties to prospective buyers. The southwest corner is envisioned as a hotel site, potentially associated with an event venue to the east. Two freestanding retail buildings are envisioned on the north side of the site. Phase 2 – Mall Reinvestment Next, the interior and exterior mall renovations begin. These costs include extensive changes to the exterior façade and interior spaces. There is expected to be extensive “below slab” work on the interior that will disrupt the mall business operations, resulting in business interruptions and potentially closures and additional vacancies that will need to be re-leased. Phase 3 There may be future reinvestment or redevelopment opportunities on the east side of the property. Those, however, are not known or defined at this point and are not within the scope of the TIF application or this analysis. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 8 Project Description Figure 2. Conceptual Phasing Diagram PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 9 Project Description Phasing and Leasing Forecast The construction phasing is an important input into the forecasted vertical construction, renovations, and lease up period (Table 6). Starting with the Phase 1 Pad Sites, it is assumed that the NE Retail pad will be the first sold in 2028 after the property has been subdivided and prepared for development. In 2030, this analysis assumes that Parkline Partners sells the NE retail site and has executed ground leases for the potential event venue and hotel sites. Construction of those buildings would be done by third parties and are outside of Parkline Partners’ proforma. Parkline Partners will only receive revenues from the land sales or ground leases, not the vertical real estate. The vertical real estate – hotel, event venue, and retail – are assumed to all be operating in 2032. The vertical development assumptions for the pad sites are shown in Table 7. Table 6. Phase I Pad Sites Development Phasing Table 7. Pad Building Assumptions Pad Sale PS Ground Lease Start GL Construction C Operating O Description 2026 2027 2028 2029 2030 2031 2032 Phase 1 Pad Sites Retail NW PS C O Event Venue GL C O Hotel GL C O Retail NE PS C O O O Source: SHOP Companies; Economic & Planning Systems Description Acres FAR Building Ass'd Value per sq. ft. Ass'd Value Year Complete Year Taxable Retail NW 1.65 0.25 18,000 sf $318 $5,724,000 2031 2032 Event Venue 1.61 0.40 28,000 sf $300 $8,400,000 2031 2032 Hotel 2.07 ---201 rooms $175,000 $35,175,000 2031 2032 Retail NE 2.07 0 22,500 sf $318 $7,155,000 2028 2029 Totals $56,454,000 Source: Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 10 Project Description For the mall, the first major activities are expected to be in 2026 beginning with the demolition of the Herberger’s space. Nearly 100,000 square feet of leasable area will be removed (Table 8). This reduces the total leasable area to 218,736 sq. ft. including the Red Lion hotel. There are currently, and projected in 2026, 41,284 sq. ft. of vacant inline tenant space in the Mall, meaning that the Mall building (excluding Red Lion) will be 18.9% vacant starting in 2026. It is estimated that the Mall building will not be ready for new tenant occupancy until 2030 due to construction disruptions and the time needed to re-lease vacant space. In 2030, there are projected to be 27,196 square feet vacant (12.4%). With Parkline Partners’ input, we project that it will take 6 years from 2026 for the Mall to be fully leased in 2032. Table 8. Mall Occupancy Forecast Description 2026 2027 2028 2029 2030 2031 2032 Total Sq. Ft.218,736 218,736 218,736 218,736 218,736 218,736 218,736 Demolished Sq. Ft.-97,116 0 0 0 0 0 0 Operating (Sq. Ft.) Anchor 51,257 51,257 51,257 51,257 51,257 51,257 51,257 Red Lion 106,312 106,312 106,312 106,312 106,312 106,312 106,312 Inline 19,883 19,883 19,883 19,883 33,971 49,028 61,167 Total 177,452 177,452 177,452 177,452 191,540 206,597 218,736 Vacant (Sq. Ft.) Anchor 0 0 0 0 0 0 0 Red Lion 0 0 0 0 0 0 0 Inline 41,284 41,284 41,284 41,284 27,196 12,139 0 Total 41,284 41,284 41,284 41,284 27,196 12,139 0 Occupancy Rate 81.1% 81.1% 81.1% 81.1% 87.6% 94.5% 100.0% Vacancy Rate 18.9% 18.9% 18.9% 18.9% 12.4% 5.5% 0.0% Total (Sq. Ft.) Anchor 51,257 51,257 51,257 51,257 51,257 51,257 51,257 Red Lion 106,312 106,312 106,312 106,312 106,312 106,312 106,312 Inline 61,167 61,167 61,167 61,167 61,167 61,167 61,167 Total 218,736 218,736 218,736 218,736 218,736 218,736 218,736 Source: SHOP Companies; Economic & Planning Systems Economic & Planning Systems, Inc. 11 Development Costs 3. Development Costs Development Costs The total project cost is estimated currently at $65.3 million (Table 9). Most of the cost is in acquiring the property and the hard construction costs (materials and labor). Within the $49.7 million in acquisition and hard costs, most of that cost is construction. Permitting fees, design, engineering, and other “soft costs” are estimated by Parkline Partners at $15.6 million. These costs include the Phase 1 site development costs and the Phase 2 mall repositioning costs. Table 9. Development Costs Requested TIF Costs Parkline Partners is requesting $16.9 million in reimbursements from the West Side URA. The eligible costs that comprise this $16.9 million request are detailed in separate documentation and discussions between Parkline Partners and the City. Description Total % Total Development Costs Land, Hard Costs (Labor & Materials)$49,736,635 76.1% Soft Costs (Development Fees, Design Costs)$15,593,936 23.9% Total Costs $65,330,572 100.0% Source: SHOP Companies; Economic & Planning Systems Economic & Planning Systems, Inc. 12 Financial Feasibility Analysis 4. Financial Feasibility Analysis The financial feasibility analysis assesses the financial performance of the project with and without the TIF contribution. The purpose of the analysis is to estimate if the project will have a financing gap, meaning it does not generate a sufficient profit or rate of return to be attractive to a typical real estate investor. It is good public policy only to provide financial incentives to projects that would not occur “but for” the public investment. The feasibility analysis uses a real estate proforma cash flow model to estimate revenues, costs, and the resulting net present value of the investment (NPV) and other financial metrics. This chapter documents the major assumptions and estimates used by EPS. The revenues for the project are summarized in sections in this chapter and are comprised of: • Pad land sales and ground leases from Phase 1 • Existing ground leases from Starbucks and US Bank • Lease revenue from existing mall tenants and future mall tenants Pad Sales The estimated revenues from the Phase 1 development pad sites are summarized in Table 10. The NW Retail Site is estimated by EPS and Parkline Partners to be worth $2.4 million (approx. $33 per sq. ft.), and the NE Retail Site is estimated to be worth $2.9 million (approx. $32 per sq. ft.). The potential Event Venue site is estimated to lease for $160,698 or $2.30 per sq. ft. of land annually. The potential hotel site is estimated to lease for $516,529 or $5.74 per sq. ft. of land annually. Table 10. Pad Sales/Lease Assumptions Pad Sales/Leases Structure Year Amount Retail NW Fee Simple 2030 1.7 acres $2,358,667 one-time Event Venue Ground Lease 2030 1.6 acres $160,698 annual Hotel Ground Lease 2030 2.1 acres $516,529 annual Retail NE Fee Simple 2028 2.1 acres $2,900,000 one-time Source: Economic & Planning Systems Size PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 13 Financial Feasibility Analysis Net Operating Income The mall currently generates approximately $1.3 million in gross income from leasable space and operating expense reimbursements (Table 11).This income translates to $5.24 per occupied square foot and includes the roughly 100,000 square foot Red Lion Hotel that pays rent on its building. Rents for current inline tenants range from approximately $12 to $18 per square foot per year. Anchor spaces have rents in the $4.00 to $6.00 per square foot range. After deducting operating expenses, the property generates just over $500,000 in NOI today. Table 11. Existing Net Operating Income Description Total Revenue Rental Income Mall Leaseable Space $930,495 $5.24 per occ. sq. ft. Existing Ground Leases [1]$158,624 $32.56 per sq. ft. of land Other Income NNN Reimbursements $255,267 Total Revenues $1,344,386 Expenditures Operating Expenditures CAM -$367,191 Management Fee -$47,054 Tax -$202,994 Insurance -$214,704 Total Expenditures -$831,942 Net Operating Income $512,444 [1] U.S. Bank and Starbucks Source: SHOP Companies; Economic & Planning Systems Per Sq. Ft. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 14 Financial Feasibility Analysis After renovations and re-leasing renovated space, the average rent for the property will increase to $14.97, generating an estimated $3.6 million in annual gross revenue in 2033 (Table 12). This average rent is skewed by the Red Lion Hotel’s unusual lease arrangement for its building and its large amount of space. Rents for new inline spaces are targeted to be in the mid- $30 per square foot range. Parkline Partners will be targeting national tenants and brands for the repositioned mall and is aiming to achieve rents well above the current market. The resulting net operating income (NOI) for the Project (Mall plus Ground Leases) at stabilized occupancy is estimated to be $3.04 million in 2031. For the Mall plus Red Lion (not including ground leases), the NOI in 2033 is estimated at $2.7 million which generates a value of $35.56 million or $162.57 per square foot in 2033. Table 12. Post-Redevelopment Net Operating Income, Stabilized (2033) Description Total Revenue Income Mall Base Rent $3,093,636 $14.97 per sq. ft. Ground Leases 371,423 $166.28 per sq. ft. land Expense Reimbursements 810,126 Total Revenues $4,275,186 Expenditures Operating Expenditures CAM -$591,917 Management Fee -136,632 Tax -271,622 Insurance -236,767 Total Expenditures -$1,236,938 Total Project Net Operating Income $3,038,248 $14.71 per sq. ft. Mall Only with Red Lion Mall Base Rent $3,093,636 Expense Reimbursements 810,126 CAM -$591,917 Management Fee -136,632 Tax -271,622 Insurance -236,767 Mall Net Operating Income $2,666,825 $12.19 per sq. ft. Property Value (Rounded)7.50%cap rate $35,560,000 $162.57 per sq. ft. [1] U.S. Bank and Starbucks Source: SHOP Companies; Economic & Planning Systems Per Sq. Ft. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 15 Financial Feasibility Analysis Financial Metrics Two important financial metrics need to be selected to determine the value of the project’s income stream after redevelopment: the discount rate and the income capitalization rate. The financial pro forma looks at the revenues and costs over the project development period (a time series analysis), and the analysis needs to account for risk and uncertainty in the future, such as economic slowdowns, construction delays, or slower than expected leasing. The analysis assumes a 10- year holding period for the investment and that it is sold in Year 11. The sale price of the project is based on the value of the project’s annual income stream. Discount Rate The discount rate is used to convert the value of future rental and property sale income to its value today. The discount rate accounts for the “time value of money,” which is explained by the phrase “a dollar today is worth more than a dollar in the future.” Money expected to be received in the future is worth less than it is today because of the risks described above. A discount rate of 11.0% was used to calculate the net present value (NPV) of the revenue streams (Table 13) The discount rate is the Weighted Average Cost of Capital (WACC), calculated using the rates of return needed from debt and equity investors. Assuming a typical project financing structure of 60% debt (e.g., bank loan) and 40% equity, the WACC is calculated from the cost of each funding source. Interest rates for construction loans are approximately 6.25% and equity (cash) investors require a rate of return of approximately 18% for higher-risk investments like real estate development, compared to investing in lower risk stocks or bonds. The weighted average rate of return or WACC of these two sources of funds is 11.0%. Table 13. Weighted Average Cost of Capital Description Total Debt 60.0% Equity 40.0% Total 100.0% Cost of Debt 6.25% Cost of Equity 18.00% WACC 11.00% Source: Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 16 Financial Feasibility Analysis Income Capitalization Rate The income capitalization rate or “cap rate” is used to convert the annual income stream into the value of the real estate: Asset value = (Net Operating Income) / (Cap Rate) There is therefore an inverse relationship between the cap rate and the value of the asset: a lower cap rate translates to a higher asset value. A cap rate is similar to a price-earnings ratio for a stock in which the annual dividend has a relationship to the price per share. Exit cap rates (sale of an existing asset) for regional malls in the western U.S. are summarized in Table 14. Exit cap rates for malls range from about 7.00% in coastal markets to 8.50% in the Rocky Mountain region including Denver and Salt Lake City. To be conservative in estimating the financial feasibility gap for the project, we have selected a 7.5% cap rate, which generates a higher asset value than a higher 8.00-8.50% cap rate. Table 14. Exit Cap Rates, West Region, 2025 Description Rate West Region Boise, ID 7.00% Denver, CO 8.50% Las Vegas, NV 8.25% Los Angeles, CA 7.25% Oakland, CA 8.00% Orange County, CA 7.75% Phoenix, AZ 8.50% Portland, OR -- Sacramento, CA 8.00% Salt Lake City, UT 8.50% San Diego, CA 8.00% San Fransisco, CA 8.00% San Jose, CA 7.00% Seattle, WA 7.50% Average 7.87% Selected Cap Rate 7.50% Source: IRR Viewpoint 2025; Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 17 Financial Feasibility Analysis Cash Flow and Feasibility The annual cash flow estimated for the project is summarized in Table 15 from the initial construction costs and land acquisition (Year 0) to sale of the completed and stabilized asset in Year 11. The cash flow is shown with and without the public subsidy from the tax increment investment. Before TIF Investment As shown, the cash flow for the project is negative from Year 0 through Year 3, meaning the developer is continually drawing from debt and equity sources to pay for construction. The cash flow is forecasted to turn positive in Year 4 as mall leasing begins and after the Phase 1 pad sites are sold and leased. The project is projected to be near full occupancy and have stabilized NOI in Year 6 (2032), with NOI of $2.68 million as shown below. In Year 11, we assume that the Mall is sold on $2.9 million in NOI and a cap rate of 7.50%, which generates a sale price of $38.4 and sale revenue of $37.2 million after transaction costs (3.0%). Total revenue in 2037 is estimated at $46.5 million, but the present value of that at an 11.0% discount rate is $14.7 million. The Net Present Value (NPV) of the project, the sum of the discounted cash flows from each year, is estimated at -$27.2 million, indicating that the project is not feasible. The Internal Rate of Return – the annual rate of return on the investment – is 1.65%, which is well below the WACC and discount rate of 11.0% that is needed to justify the risk of the project. With TIF Investment The analysis assumes that $16.9 million in TIF is awarded to the project, which is the estimated cost of the public improvements provided by Parkline Partners. The next Chapter contains the estimated incremental property tax revenues that are forecasted to exceed the requested amount over 25 years. For the purposes of the financial analysis, we assume that TIF is paid to Parkline Partners in the year it is generated. Adding the TIF investment results in an NPV of-$22.3 million and an IRR of 3.89%. The project’s IRR still falls below the 11.0% WACC threshold, meaning that Parkline Partners will need to find ways to increase revenues or decrease costs, and draw from other sources to fill the financing gap. This analysis does show that the award of TIF does not unreasonably inflate the developer’s return beyond market-based expectations for rates of return on real estate. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 18 Financial Feasibility Analysis Table 15. Development Cash Flows 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 Description Factor Total Year 0 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 PROJECT CASH FLOWS Net Project Cash Flows $8,871,627 -$19,136,734 -$14,058,095 -$19,964,407 -$6,995,545 $4,284,674 $2,558,706 $3,043,942 $3,044,649 $3,046,453 $3,249,432 $3,297,019 $46,501,533 Construction Costs -$65,330,572 -$19,648,484 -$14,594,295 -$23,510,768 -$7,577,024 $0 $0 $0 $0 $0 $0 $0 $0 Commercial Pads $14,222,618 $0 $0 $2,900,000 $0 $2,708,667 $357,000 $364,140 $371,423 $378,851 $386,428 $394,157 $6,361,951 Mall NOI $22,735,744 $511,750 $536,200 $646,361 $581,479 $1,576,007 $2,201,706 $2,679,802 $2,673,226 $2,667,602 $2,863,003 $2,902,862 $2,895,745 Mall Disposition Income $37,243,836 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $37,243,836 Net Present Value 11.00%-$27,177,976 -$19,136,734 -$12,664,950 -$16,203,561 -$5,115,082 $2,822,448 $1,518,468 $1,627,415 $1,466,481 $1,321,937 $1,270,283 $1,161,159 $14,754,161 Internal Rate of Return 1.65% PROJECT CASH FLOWS WITH PUBLIC SUBSIDY Net Project Cash Flows $22,828,933 -$19,136,734 -$14,058,095 -$19,956,163 -$6,995,545 $4,284,674 $2,558,706 $3,389,312 $3,893,206 $4,078,925 $4,302,233 $4,360,718 $56,107,696 Construction Costs -$65,330,572 -$19,648,484 -$14,594,295 -$23,510,768 -$7,577,024 $0 $0 $0 $0 $0 $0 $0 $0 Commercial Pads $14,222,618 $0 $0 $2,900,000 $0 $2,708,667 $357,000 $364,140 $371,423 $378,851 $386,428 $394,157 $6,361,951 Mall NOI $22,735,744 $511,750 $536,200 $646,361 $581,479 $1,576,007 $2,201,706 $2,679,802 $2,673,226 $2,667,602 $2,863,003 $2,902,862 $2,895,745 Mall Disposition Income $37,243,836 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $37,243,836 TIF Contribution $13,957,306 $0 $0 $8,244 $0 $0 $0 $345,371 $848,556 $1,032,472 $1,052,801 $1,063,699 $9,606,163 Net Present Value 11.00%-$22,295,845 -$19,136,734 -$12,664,950 -$16,196,869 -$5,115,082 $2,822,448 $1,518,468 $1,812,065 $1,875,195 $1,769,954 $1,681,849 $1,535,777 $17,802,036 Internal Rate of Return 3.89% Note: TIF contribution assumed to be collected in year generated through 2036. In 2037, the value shown is the present value of remaining years of TIF reimbursement at 6.0% Source: Developer; Economic & Planning Systems Economic & Planning Systems, Inc. 19 Tax Increment Projections 5. Tax Increment Projections This Chapter summarizes the analysis used to estimate the property taxes for the Project and the incremental tax revenue generated in the West Side URA. Taxable Value Mall The taxable value for the Mall including Red Lion, Starbucks, and U.S. Bank was estimated using the income approach, as summarized in the following steps. • The existing value from the Department of Revenue (DOR) was used for 2025 through 2027, with a 2.0% escalation for 2027 representing the odd year reappraisal cycle. The assessed value (DOR’s estimate of market value) is $15.75 million in 2025 and is estimated at $16.39 million in 2027. • From 2028 on, the income approach was used to value the property. The NOI was divided by a 7.5% capitalization rate to calculate the assessed value, and a 10% discount in value was also applied to account for the potential that the tax appraisal process may slightly undervalue the property. In 2033, the year when income and expenses are estimated to stabilize, this results in an assessed value of $32.2 million or $147 per square foot (including Red Lion). • No escalation was applied to the assessed value in this step because the lease revenues were escalated in the revenue analysis. The leases were escalated by 2.0% per year every five years. Phase 1 Pad Site Developments Retail The assessed value for the retail spaces on the north side of the Phase 1 pad sites was estimated from comparable property research. EPS obtained assessed value data from the DOR’s ORION web portal and compiled the data shown in Table 16. The properties shown are freestanding multitenant buildings and one single- tenant building on the perimeter of Hutton Ranch Plaza in Kalispell. The weighted average value of these four buildings is $318 per square foot. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 20 Tax Increment Projections Table 16. Retail Taxable Value Comparables Hotel Parkline Partners had an independent taxable value estimate prepared by a licensed real estate appraiser to estimate the taxable value of a prospective hotel that Parkline Partners is in discussions with for building on one of the sites. The Appraiser estimated a value of $175,000 per room for the 201-room potential hotel, or a total of $35.2 million. This falls in the upper range of the taxable value or hotel comparables shown in Table 17. However, the types of hotels being recruited for the development will likely be in the upper upscale to luxury segments with higher room rates (and market values) than what currently exists in Kalispell. With the 2.0% escalations in odd years, the value of the hotel after it is projected to be complete is estimated at $38.8 million in 2032. Table 17. Hotel Assessed Value Comparables Total Building Value per Retail Parcel Value Sq. Ft. Sq. Ft. Hutton Ranch - Freestanding Multi Tenant 07407831203040000 $5,554,500 18,072 $307 Hutton Ranch - Freestanding Multi Tenant 07407831203030000 $2,077,800 5,610 $370 Hutton Ranch - Freestanding Multi Tenant 07407831302020000 $2,040,000 6,600 $309 Hutton Ranch - Freestanding Single Tenant 07407831203200000 $1,756,900 5,684 $309 Weighted Average $318 Source: Economic & Planning Systems PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 21 Tax Increment Projections Incremental Tax Revenue Forecast The incremental tax revenue forecast from all components of the development is shown in Table 18. In 2025, the base assessed value (AV) for the project area was $15.75 million. This is the base AV on which the incremental AV is calculated; the URA will receive the property taxes generated from the incremental AV above the $15.75 million base value. Due to demolition and construction, the assessed value in the project area is likely to drop in 2028. When the first retail pad comes online in 2029 (+$7.6 million), the total AV is estimated at $15.3 million. In 2031, the AV is estimated at $42.4 million, which is $26.7 million higher than the base. At the State’s 1.9% assessment ratio, the taxable value is $506,000. There is about a one year lag between AV and property tax collection (property taxes are paid in arrears), so the taxable value generates $345,000 in property tax in 2032. The total assessed value of the project is projected to grow to $130.4 million by 2050, assuming 2.0% escalations in the odd-year reappraisals. The total incremental AV is therefore $114.7 million in 2050. The cumulative incremental property tax is therefore $22.2 million for the 25 years from 2026 through 2050. The project is therefore able to pay back the $16.9 million TIF request. The estimated reimbursement schedule to the developer, which is an input to the pro forma cash flow, is shown in the rightmost column of the table. PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 22 Tax Increment Projections Table 18. Tax Increment Forecast Incremental Incremental Incremental Estimated Year Mall [1]Retail NW Retail NE Events Hotel Total Ass'd Value Taxable Value Prop Tax Reimbursement Income App. $318 PSF $318 PSF $300 PSF $35,175,000 AV 1.90% 681.930 2026 15,750,000 0 0 0 0 15,750,000 0 0 0 0 2027 16,386,300 0 0 0 0 16,386,300 636,300 12,090 0 0 2028 6,434,402 0 0 0 0 6,434,402 0 0 8,244 8,244 2029 7,756,337 0 7,592,943 0 0 15,349,281 0 0 0 0 2030 7,756,337 0 7,592,943 0 0 15,349,281 0 0 0 0 2031 18,912,085 6,319,759 7,899,698 9,274,279 0 42,405,820 26,655,820 506,461 0 0 2032 18,912,085 6,319,759 7,899,698 9,274,279 38,836,042 81,241,862 65,491,862 1,244,345 345,371 345,371 2033 32,157,619 6,575,077 8,218,846 9,648,960 38,836,042 95,436,544 79,686,544 1,514,044 848,556 848,556 2034 32,157,619 6,575,077 8,218,846 9,648,960 40,405,018 97,005,520 81,255,520 1,543,855 1,032,472 1,032,472 2035 32,011,218 6,840,710 8,550,887 10,038,778 40,405,018 97,846,611 82,096,611 1,559,836 1,052,801 1,052,801 2036 32,011,218 6,840,710 8,550,887 10,038,778 42,037,381 99,478,974 83,728,974 1,590,851 1,063,699 1,063,699 2037 34,834,349 7,117,075 8,896,343 10,444,344 42,037,381 103,329,492 87,579,492 1,664,010 1,084,849 1,084,849 2038 34,834,349 7,117,075 8,896,343 10,444,344 43,735,691 105,027,803 89,277,803 1,696,278 1,134,739 1,134,739 2039 34,556,137 7,404,604 9,255,755 10,866,296 43,735,691 105,818,484 90,068,484 1,711,301 1,156,743 1,156,743 2040 34,556,137 7,404,604 9,255,755 10,866,296 45,502,613 107,585,406 91,835,406 1,744,873 1,166,988 1,166,988 2041 37,616,412 7,703,750 9,629,688 11,305,294 45,502,613 111,757,757 96,007,757 1,824,147 1,189,881 1,189,881 2042 37,616,412 7,703,750 9,629,688 11,305,294 47,340,919 113,596,063 97,846,063 1,859,075 1,243,941 1,243,941 2043 37,927,315 8,014,982 10,018,727 11,762,028 47,340,919 115,063,971 99,313,971 1,886,965 1,267,759 1,267,759 2044 37,927,315 8,014,982 10,018,727 11,762,028 49,253,492 116,976,544 101,226,544 1,923,304 1,286,778 1,286,778 2045 38,337,109 8,338,787 10,423,484 12,237,214 49,253,492 118,590,086 102,840,086 1,953,962 1,311,559 1,311,559 2046 38,337,109 8,338,787 10,423,484 12,237,214 51,243,333 120,579,927 104,829,927 1,991,769 1,332,465 1,332,465 2047 41,729,633 8,675,674 10,844,593 12,731,597 51,243,333 125,224,830 109,474,830 2,080,022 1,358,247 373,155 2048 41,729,633 8,675,674 10,844,593 12,731,597 53,313,564 127,295,061 111,545,061 2,119,356 1,418,429 0 2049 41,392,322 9,026,171 11,282,714 13,245,954 53,313,564 128,260,726 112,510,726 2,137,704 1,445,253 0 2050 41,392,322 9,026,171 11,282,714 13,245,954 55,467,432 130,414,594 114,664,594 2,178,627 1,457,764 0 Total $22,206,538 $16,900,000 [1] Includes U.S. Bank and Starbucks [2] 1-Year Lag [3] Baseline market value is frozen at 2025 value. Source: Economic & Planning Systems Assessed Value PARKLINE DISTRICT URA FINANCIAL ANALYSIS Economic & Planning Systems, Inc. 23 Tax Increment Projections Findings The project has a financing gap estimated at -$27.2 million (NPV) to achieve an 11.0% unleveraged rate of return. The financing gap is larger than the amount of TIF requested to fund eligible costs, at $16.9 million. Awarding the full $16.9 million on a reimbursement basis request brings the rate of return (IRR) on the project to 3.89%, which is still well below a market-based requirement (“hurdle rate”) for a rate of return of about 11.0% (unleveraged, average of debt and equity). The award of TIF will therefore not create excessive profit or returns for the developer as this analysis has shown that there is a financing gap with and without the public investment.