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2000-11-06 LOC e e CONSTRUCTION FINANCE, LLC 7830 Main Street, Suite 210, Maple Grove, MN 55369 Phone: (763) 420-9130 . Fax (763) 420-9134 IRREVOCABLE LETTER OF CREDIT NO. 200122 DATED NOVEMBER 6, 20 City of Albertville 5975 Main Avenue P.O. Box 9 Albertville, MN 55301 Dear Sir or Madam: We hereby establish our IRREVOCABLE LETTER OF CREDIT, numbered as indicated above, and effective immediately, in favor of the City of Albertville (the "City") at the request and for the account of Edina Development Corporation, ("Developer) in the amount of and not to exceed One Hundred Thousand and 00/100 Dollars ($100,000.00), as such amount is decreased as provided below, available to you by your sight draft or drafts drawn upon us in connection with the installation of municipal improvements for the project to be known as Albert Villas Third Addition. Each draft drawn under the LETTER OF CREDIT must be accompanied by: A. The original of this LETTER OF CREDIT; B. A notarized statement executed by the City Administrator, stating that the Developer is in default of the Development Agreement, that the Developer has failed to complete the Improvements in accordance with the terms of the Development Agreement, and, that the City is entitled to draw upon the LETTER OF CREDIT. Such statement shall set forth the Improvements not completed, the respect in which the Improvements had not been completed, and the amount required to cure such failure. Each draft drawn under this LETTER OF CREDIT must: 1. Be signed on behalf of the City by the City Administrator or hislher designee; 2. Be in the amount required to cure the default by the Developer to complete the Improvements, amount shall not exceed $100,000.00. 3. Bear on its face the clause "DRAWN UNDER LETTER OF CREDIT NO. 200122, Dated November 6,2000. e e 4. Be presented for payment during regular business hours at our Collection Department, 860 Blue Gentian Road, Suite 135, Eagan, MN 55121, no later than 2:00 p.m. on November 6, 2001, at which time this LETTER OF CREDIT shall expire. The amount of this LETTER OF CREDIT shall be reduced by the amount of the estimated cost of the work completed as each portion of the Improvements are completed and paid for, and the City Engineer approves in writing such reduction. Each drawing hereunder shall reduce by the amount of such drawing the amount available under this LETTER OF CREDIT. We hereby agree that drafts drawn under and presented in conformity with the terms of the LETTER OF CREDIT will be duly honored upon presentation. Except as otherwise expressly stated, this LETTER OF CREDIT is subject to the Uniform Customs and Practice for Documentary Credits (1993 Revision). International Chamber of Commerce Publications No. 500 (the "Uniform Customs"). This LETTER OF CREDIT shall be deemed to be a contract made under the laws of the State of Minnesota and, as to matters not governed by the Uniform Customs, shall be governed by and construed in accordance with the laws of the State of Minnesota, including the Uniform Commercial Code as in effect in the Sate of Minnesota. This LETTER OF CREDIT is not transferable or assignable and is not issued for the benefit of any third party claimant. We shall not be called upon to resolve issued of fact or law between the City and the Developer. LAKELAND CONSTRUCTION FINANCE, LLC By