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HomeMy WebLinkAboutAgenda_MSTAB_02.12.2021Notice of Meeting for the Main Street Adv isory B oard of the City of Georgetown F ebruary 12, 2021 at 9:00 AM at Virtual T he C ity of G eorgetown is committed to compliance with the Americans with Disabilities Act (ADA). If you require as s is tance in partic ipating at a public meeting due to a disability, as defined under the ADA, reas onable as s is tance, adaptations , or ac commodations will be provided upon request. P leas e c ontact the C ity S ec retary's O ffic e, at leas t three (3) days prior to the sc heduled meeting date, at (512) 930-3652 or C ity Hall at 808 Martin Luther King Jr. S treet, G eorgetown, T X 78626 for additional information; T T Y users route through R elay Texas at 711. Con sist ent with G o v erno r G reg A bb o’s su spen sion of v ariou s pro v ision s of t he O p en M een g s A ct , eff ecv e A ugu st 1, 2020 and un l furth er no ce, t o red uce t he chan ce o f C OV I D -19 t ransmission , all City o f G eorgeto wn A dviso ry B oard meengs will b e held v irt ually. P ub lic commen t will be allo wed via telecon feren ce; n o o ne will b e allo wed to app ear in p erson . To p arcipate, p lease co py an d p ast e t he follo wing web link in t o yo ur b rowser: W eb lin k: https://geor getowntx.zoom.us/j/99074491840? pwd=O E 0x Szgza H dw O F g2 M Udp K 3 J a Q 0 Y y Zz09 M e eting I D: 990 7449 1840 P assc ode : 050661 D ial by yo ur lo caon 833-548-0276; 833-548-0282; O R 877-853-5257 U S Toll-free Cizen co mments are accep t ed in t hree d iff erent format s: 1. S ub mit wrien commen t s t o kim.mcauliffe@geo rg et own .org b y 5 p.m. on t he d ay before th e meeng an d t he Reco rdin g S ecret ary will read yo ur commen t s into t he record ing d urin g t he item t hat is b eing d iscu ssed. 2. L o g on t o th e meeng at th e link ab ove an d “raise y ou r han d” du ring th e it em 3. U se y ou r ho me/mo bile p ho ne to call th e t oll-free n umber To jo in a Zo om meeng, click o n th e link p rovid ed an d jo in as an aen dee. You will be asked t o en t er y ou r name an d email add ress (th is is so we can id enfy yo u wh en yo u are called u po n). To speak o n an it em, click o n th e “R aise y ou r H an d” op o n at th e bo o m o f th e Zoo m meen g webp ag e on ce th at it em h as op ened . W hen y ou are called u po n b y t he Reco rdin g S ecret ary, yo ur d ev ice will b e remo t ely un -muted by th e A d min ist rat or an d yo u may sp eak fo r t hree minu t es. P lease st at e y ou r name clearly, and when y ou r me is over, y ou r device will be muted again . U se of pro fan it y, th reat enin g langu ag e, sland erou s remarks o r t hreats o f h arm are n ot allo wed an d will resu lt in yo u b eing immed iat ely remo v ed from t he meen g . Page 1 of 43 Regular Session (T his R egular S es s ion may, at any time, be rec es s ed to c onvene an Exec utive S es s ion for any purpose authorized by the O pen Meetings Act, Texas G overnment C ode 551.) A C all to order - C hristine Tomaszewski, B oard Vice-C hair B Disc ussion on how this virtual c onference will be c onducted, to inc lude options for public c omments and how the public may addres s the C ommis s ion – K im M cAuliffe, D owntown D evelopment M anager C C ons ideration and possible action on the minutes of the January 8, 2021 board meeting - C hristine Tomaszewski, B oard Vice-C hair D S ign application request for Hydrate, LLC - 711 S . Main S treet - K im M cAuliffe, D owntown D evelopment M anager E F ac ade applic ation reques t for Hydrate, LLC - 711 S . Main S treet - K im M cAuliffe, D owntown D evelopment M anager F C ons ider transferring mural administration of 'T he S quare' mural from the Main S treet P rogram to Arts & C ulture - K im M cAuliffe, D owntown D evelopment M anager and Amanda S till, Arts & C ulture C oordinator G Disc ussion on P rojec t Teams, P artner updates , and BR E Visits H Ac knowledgement and apprec iation for outgoing board members, Trisha Tallman and Diane G aume for their s ervic e to the C ity of G eorgetown Main S treet P rogram - C hristine Tomaszewski, B oard Vice-C hair I S taff R eport - K im M cAuliffe, D owntown D evelopment M anager Adjournment Adjournment Ce rtificate of Posting I, R obyn Densmore, C ity S ecretary for the C ity of G eorgetown, Texas, do hereby c ertify that this Notic e of Meeting was posted at C ity Hall, 808 Martin Luther King Jr. S treet, G eorgetown, T X 78626, a plac e readily acc es s ible to the general public as required by law, on the _____ day of _________________, 2021, at __________, and remained s o posted for at leas t 72 c ontinuous hours prec eding the s cheduled time of said meeting. __________________________________ R obyn Dens more, C ity S ec retary Page 2 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: C all to order - C hristine Tomaszewski, B oard Vice-C hair IT E M S UMMARY: F IN AN C IAL IMPAC T: NA S UB MIT T E D B Y: Kim Mc Auliffe Page 3 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: Dis cus s ion on how this virtual conferenc e will be conduc ted, to include options for public comments and how the public may address the C ommission – K im M cAuliffe, D owntown D evelopment M anager IT E M S UMMARY: F IN AN C IAL IMPAC T: . S UB MIT T E D B Y: S haron P arker Page 4 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: C onsideration and pos s ible ac tion on the minutes of the January 8, 2021 board meeting - C hristine Tomaszewski, B oard Vice-C hair IT E M S UMMARY: F IN AN C IAL IMPAC T: NA S UB MIT T E D B Y: S haron P arker AT TAC H ME N T S: Description Type Minutes Backup Material Page 5 of 43 The Main Street Advisory Board met on Friday, January 8, 2021, at 9:00 AM virtually over a Zoom Meeting. The City of Georgetown is committed to compliance with the Americans with Disabilities Act (ADA). If you require assistance in participating at a public meeting due to a disability, as defined under the ADA, reasonable assistance, adaptations, or accommodations will be provided upon request. Please contact the City Secretary’s Office, at least three (3) days prior to the scheduled meeting date, at (512) 930 -3652 or City Hall at 808 Martin Luther King Street for additional information; TTY users route through Relay Texas at 711. Aaron Adams called the meeting to order at 9:00 AM. Members, A. Adams, T. Tallman, C. Tomaszewski, K. Hill, D. Gaume, and D. Wilks were in attendance. S. Rodocker entered the meeting at 9:30 AM. Staff in attendance: Kim McAuliffe, Downtown Development Manager. Guests in attendance: None. Regular Session (This regular session may, at any time, be recessed to convene an Executive Session for any purpose authorized by the Open Meetings Act, Texas Government Code 551.) A. Call to order at 9:00 a.m. B. Discussion on how this virtual conference will be conducted, to include options for public comments and how the public may address the Commission – Kim McAuliffe, Downtown Development Manager Staff reviewed the virtual conduct for the meeting, reminded the board that the meeting was open and visible to the public and would be recorded. C. Discussion and possible action regarding approval of the December 11, 2020 board meeting minutes – Aaron Adams, Board Chair. Motion by K. Hill to approve the minutes as presented. Second by T. Tallman. Approved: 6-0 D. Discussion and possible action on the Annual Main Street Accreditation - Aaron Adams, Board Chair & Kim McAuliffe, Downtown Development Manager Staff reviewed the annual accreditation packet with the board for consideration of approval to submit to Texas Main Street office. The self-evaluation and attached documentation is complete unless any modifications were suggested. After review, no changes were made. Motion by C. Tomaszewski to approve submission of the annual accreditation packet to the Texas Main Street office as written. Second by D. Wilks. Approved: 6-0 E. Discussion on Project Teams, Partner updates, and BRE visits a. Fundraising Team – K. Hill reported that we sold all of the ornaments and made $4,718.78 in profits. We also sold all of the cards but we only made $85.74. The team is rethinking some of the marketing and fundraising efforts for future. b. Breakfast Bites – no updates, March will be the next one. We do not have a program set up yet. We need to schedule a meeting. c. Georgetown Swirl – C. Tomaszewski reported on the upcoming Swirl meeting and plans for an alternative event for Swirl, a “Swirl To-Go” in place of the typical event. Next meeting will be on January 20th at 4pm. d. BRE visits – No visits this month, reaching out to a couple that are due. Talked with To Have & To Hold, they are available on Jan 21st at 10:00 am. Reached out to Buffalo Seven and received Minutes of a Meeting of the Main Street Advisory Board of the City of Georgetown, Texas Friday, January 8, 2021 Page 6 of 43 an email back from her. Want to follow back up because it sounds like she might be movin g to online only operations. S. Rodocker entered the meeting at 9:30 AM. F. Staff Report – Kim McAuliffe, Downtown Development Manager Staff gave a report on the status of the façade grant budget. New developments: The Exchange of Georgetown has moved, Mikey V’s Taco shop has moved, Hydrate Smoothies, Juice and Sandwich Shop has announced their second location in downtown. Good Folks, city Post and District Six are under construction. Nightingale Bistro has opened, all seating is outside in the beer garden, but order can still take place at the counter inside. Adjourn Motion by C. Tomaszewski to adjourn the meeting. Second by, K. Hill. The meeting was adjourned at 10:01 AM. ____________________________________________________________________________________________________ Approved by the Main Street Advisory Board on Date _______________________ _ ________________________________ _ Main Street Advisory Board Chair Main Street Advisory Board Secretary Page 7 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: S ign applic ation reques t for Hydrate, LLC - 711 S . Main S treet - K im M cAuliffe, D owntown D evelopment M anager IT E M S UMMARY: F IN AN C IAL IMPAC T: F acade & S ign F und S UB MIT T E D B Y: KM AT TAC H ME N T S: Description Type Staff Report Cover Memo Application Backup Material COA Backup Material Es timate1 Backup Material Es timate2 Backup Material Es timate3 Backup Material Page 8 of 43 - COVERSHEET - MAIN STREET PROGRAM – FAÇADE & SIGN GRANT FUND 9:00 A.M. – FRIDAY, FEBRUARY 12, 2021 711 S. MAIN STREET AGENDA ITEM DESCRIPTION Discussion and possible action on a Main Street Sign Grant Fund application request for the property located at 711 S. Main Street. The planned improvements include creation and installation of a 1’x3’ MDO digitally-printed blade sign and a 3’x6’ primary wall sign. The applicant will be investing $24,415.71 in facade and sign related improvements at this time. The applicant has selected Affordable Signs to perform the required work for the signage improvements. The estimate provided by applicant totals $1,183.71 and applicant seeks a grant for the maximum award they are eligible for of 50% or $500. AGENDA ITEM DETAILS • Business Name: Hydrate, LLC • Applicant: Chad Sitzmann • Property Owner: Below the Jackalope, LLC • Property Address: 711 S. Main Street • Historical/Current Building Name: Schaffer Saddlery Building • Legal Description: S3667 - Georgetown City Of, BLOCK 40, Lot 6(NW/PT), ACRES 0.06 • Historic Overlay: Williamson County Courthouse Historic District • Application History: This is the first review for this application ECONOMIC IMPACT Extended hours of operation: Yes First Floor Use: Restaurant/Retail on 1st floor Occupy a Vacant Structure: No, the building is not vacant Sales Subject to Sales Tax: Yes – will collect sales tax Capital Expenditures: The applicant is investing roughly $24,415.71 into the property for improvements HISTORIC PRESERVATION Date of construction: 1870 2016 Historic Resources Survey Level of Priority: High Priority National Register Designation: Contributes to the Williamson County Courthouse District. Page 9 of 43 Texas Historical Commission Designation: Recorded Texas Historic Landmark - 1971 LOCATION On the Square vs. Off the Square: The property faces the Courthouse and is considered to be on the Square STAFF ANALYSIS Staff has met with applicant and reviewed the application in its entirety and finds that the request is complete and eligible for funding consideration by the Main Street Advisory Board. ATTACHMENTS Exhibit A – Application and backup materials SUBMITTED BY Kim McAuliffe, Downtown Development Manager Page 10 of 43 L:\Division\ms\ed\MAIN STREET\Design & Infrastructure\Facade & Sign Grant Program\Grant Applications\Application Form\2017 Facade Sign Reimbursement Grant Application.doc 10 FAÇADE & SIGN REIMBURSEMENT GRANT PROGRAM APPLICATION Please return completed with necessary attachments and signatures to Georgetown Downtown Development office, 809 MLK Jr., no later than the THURSDAY prior to the first Friday of each month. If you have any grant application questions, please contact the Downtown Development Manager at 512/930-2027. If you have any building or sign permit/historic preservation or design questions, please contact the Historic District Planner at 512/930-3581. Applicant Name_______________________________________________________ Date______________________________ Business Name__________________________________________________________________________________________ Mailing Address ______________ Contact Phone___________________________________ Email Address__________________________________________ Building Owner (if different from applicant)___________________________________________________________________ Historical/Current Building Name _________________________________________________________________________ Physical Building Address________________________________________________________________________________ Type of Work: (check all that apply) Sign Paint Masonry cleaning/paint removal Awning/Canopy Fire Sprinklers or Suppression Systems Uncovering/replacing windows Roof work Foundation work Removal of barriers to public accessibility Other: _________________________________________________________________________________________________ Details of Planned Improvements for Façade & Sign Reimbursement Grant: (attach additional information if necessary) How will this project benefit downtown? (Check all that apply) Extended business hours First floor usage Occupying vacant/underutilized structure Subject to sales tax Enhance historic significance Location is on the square Location is off the square List Contractor/Project Architect Proposals and Total Amounts (attach original proposals): 1. 2. 3. TOTAL COST OF PROPOSED GRANT PROJECT (CAPITAL EXPENDITURES): _____ AMOUNT OF FAÇADE AND/OR SIGN GRANT REQUESTED (MAY NOT EXCEED 50% OF TOTAL GRANT COSTS: $500 SIGN MAX, $20,000 FACADE MAX): Include all required color samples of paint fabric canopy, sign design, etc., as well as digital photographs of r, roof and foundation if applicable to grant. Date Advisory Board Review Approved Rejected Date $23,232 is facade, $1,183.71 is sign 2/12/21 Page 11 of 43 Page 12 of 43 CERTIFICATE OF APPROPRIATENESS (COA) ADMINISTRATIVE REVIEW FILE NUMBER: 2020-41-COA PROJECT NAME: Hydrate II APPLICANT: Chad Sitzman (Hydrate) PROPERTY OWNER: Below the Jackalope LLC PROPERTY ADDRESS: 711 S. Main Street LEGAL DESCRIPTION: 0.06 acres out of the northwest part of Lot 6, Block 40 of the City of Georgetown REQUEST: New signage and paint color change EFFECTIVE DATE: August 19, 2020 This is to certify that pursuant to action by the City of Georgetown Historic Preservation Officer (HPO) on the 19th day of August, 2020 the above referenced request for Certificate of Appropriateness (COA) was approved, as detailed below. CERTIFICATE OF APPROPRIATENESS REQUEST DESCRIPTION The applicant’s request includes new signage, to include changes in content or configuration (re-facing) that do not involve changes in sign location, dimensions, lighting or total sign area and changes to paint color on previously painted surfaces on a high priority structure in the Downtown Overlay District. Per Section 3.13 of the Unified Development Code, the HPO is the decision-maker for the items listed above. The following list and attached documents represent the complete scope of work approved by the HPO: • New signage to re-face the existing, approved façade and hanging signs that were approved via CDC-2015-004 ( 36” x 12” under canopy Hanging Sign), CDC-2015-012 (72” x 36” or 18 sq. ft. Primary Façade Sign) and CDC-2015-022 (32” x 20” or 4.44 sq. ft. Wall Sign). • A paint color change to the façade from a cream primary color with dark brown trim and accents to a white primary color with black trim and accents. The following conditions were met by the applicant as determined by the HPO or their delegate. 1. The application submitted was complete and the information contained within the application correct and sufficient enough to allow adequate review and final action. 2. Applicable design and development standards of the Unified Development Code and Downtown and Old Town Design Standards specific to the applicable Historic Overlay District. • Meets Chapters 9 & 11 of the Downtown and Old Town Design Guidelines This Certificate is revocable and does not confer any permanent rights. This Certificate expires 24 months from the effective date if the approved work has not commenced. Page 13 of 43 August 19, 2020 FOR: Sofia Nelson, Historic Preservation Officer Attachment: Plans and Supporting Documents Page 14 of 43 2502C WILLIAMS DRIVE GEORGETOWN, TEXAS 78628 HYDRATETEXAS.COM August 04, 2020 City of Georgetown Attn: Ms. Britin Bostic Planning Department 406 W 8th Street Georgetown, TX 78626 Re: Letter of Intent for COA Planning Permit for 711 S Main St Ms. Bostic Please accept this as a letter of intent to clean and freshen up the white paint and black trim on the front of the building. We also intend to resurface existing signage with our company logo/signage. Please let us know if you need anything further from us. Chad M. Sitzmann Owner Page 15 of 43 Page 16 of 43 Page 17 of 43 Page 18 of 43 Page 19 of 43 Page 20 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: F acade application request for Hydrate, LLC - 711 S . Main S treet - K im M cAuliffe, D owntown D evelopment M anager IT E M S UMMARY: F IN AN C IAL IMPAC T: F acade F und S UB MIT T E D B Y: KM AT TAC H ME N T S: Description Type Staff Report Cover Memo Application Backup Material Supplemental Materials Backup Material Supplemental Materials 2 Backup Material Supplemental Materials 3 Backup Material Supplemental Materials 4 Backup Material Supplemental Materials 5 Backup Material Supplemental Materials 6 Backup Material Supplemental Materials 7 Backup Material Page 21 of 43 - COVERSHEET - MAIN STREET PROGRAM – FAÇADE & SIGN GRANT FUND 9:00 A.M. – FRIDAY, FEBRUARY 12, 2021 711 S. MAIN STREET AGENDA ITEM DESCRIPTION Discussion and possible action on a Main Street Facade Grant Fund application request for the property located at 711 S. Main Street. The planned improvements include replacing the second-floor windows, replacing the interior double doors with a single aluminum door, and painting the front façade of the building. The applicant will be investing $24,415.71 in facade and sign related improvements at this time. The applicant has selected Cris Cash Contracting to manage the project and to perform the required work for the improvements. The estimate provided by applicant totals $23,232.00 and applicant seeks a grant for the maximum award they are eligible for of 50% or $11,616.00. AGENDA ITEM DETAILS • Business Name: Hydrate, LLC • Applicant: Chad Sitzmann • Property Owner: Below the Jackalope, LLC • Property Address: 711 S. Main Street • Historical/Current Building Name: Schaffer Saddlery Building • Legal Description: S3667 - Georgetown City Of, BLOCK 40, Lot 6(NW/PT), ACRES 0.06 • Historic Overlay: Williamson County Courthouse Historic District • Application History: This is the first review for this application ECONOMIC IMPACT Extended hours of operation: Yes First Floor Use: Restaurant/Retail on 1st floor Occupy a Vacant Structure: No, the building is not vacant Sales Subject to Sales Tax: Yes – will collect sales tax Capital Expenditures: The applicant is investing roughly $24,415.71 into the property for improvements HISTORIC PRESERVATION Date of construction: 1870 2016 Historic Resources Survey Level of Priority: High Priority Page 22 of 43 National Register Designation: Contributes to the Williamson County Courthouse District. Texas Historical Commission Designation: Recorded Texas Historic Landmark - 1971 LOCATION On the Square vs. Off the Square: The property faces the Courthouse and is considered to be on the Square STAFF ANALYSIS Staff has met with applicant and reviewed the application in its entirety and finds that the request is complete and eligible for funding consideration by the Main Street Advisory Board. ATTACHMENTS Exhibit A – Application and backup materials SUBMITTED BY Kim McAuliffe, Downtown Development Manager Page 23 of 43 L:\Division\ms\ed\MAIN STREET\Design & Infrastructure\Facade & Sign Grant Program\Grant Applications\Application Form\2017 Facade Sign Reimbursement Grant Application.doc 10 FAÇADE & SIGN REIMBURSEMENT GRANT PROGRAM APPLICATION Please return completed with necessary attachments and signatures to Georgetown Downtown Development office, 809 MLK Jr., no later than the THURSDAY prior to the first Friday of each month. If you have any grant application questions, please contact the Downtown Development Manager at 512/930-2027. If you have any building or sign permit/historic preservation or design questions, please contact the Historic District Planner at 512/930-3581. Applicant Name_______________________________________________________ Date______________________________ Business Name__________________________________________________________________________________________ Mailing Address ______________ Contact Phone___________________________________ Email Address__________________________________________ Building Owner (if different from applicant)___________________________________________________________________ Historical/Current Building Name _________________________________________________________________________ Physical Building Address________________________________________________________________________________ Type of Work: (check all that apply) Sign Paint Masonry cleaning/paint removal Awning/Canopy Fire Sprinklers or Suppression Systems Uncovering/replacing windows Roof work Foundation work Removal of barriers to public accessibility Other: _________________________________________________________________________________________________ Details of Planned Improvements for Façade & Sign Reimbursement Grant: (attach additional information if necessary) How will this project benefit downtown? (Check all that apply) Extended business hours First floor usage Occupying vacant/underutilized structure Subject to sales tax Enhance historic significance Location is on the square Location is off the square List Contractor/Project Architect Proposals and Total Amounts (attach original proposals): 1. 2. 3. TOTAL COST OF PROPOSED GRANT PROJECT (CAPITAL EXPENDITURES): _____ AMOUNT OF FAÇADE AND/OR SIGN GRANT REQUESTED (MAY NOT EXCEED 50% OF TOTAL GRANT COSTS: $500 SIGN MAX, $20,000 FACADE MAX): Include all required color samples of paint fabric canopy, sign design, etc., as well as digital photographs of r, roof and foundation if applicable to grant. Date Advisory Board Review Approved Rejected Date $23,232 is facade, $1,183.71 is sign 2/12/21 Page 24 of 43 Page 25 of 43 Page 26 of 43 Page 27 of 43 Page 28 of 43 Page 29 of 43 Page 30 of 43 Page 31 of 43 Page 32 of 43 Page 33 of 43 Page 34 of 43 Page 35 of 43 Page 36 of 43 Page 37 of 43 Page 38 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: C onsider trans ferring mural adminis tration of 'T he S quare' mural from the Main S treet P rogram to Arts & C ulture - K im M cAuliffe, D owntown D evelopment M anager and Amanda S till, Arts & C ulture C oordinator IT E M S UMMARY: "T he S quare” by Anna S ebesta is at 809 S . Main S treet, fac ing the Watkins Insuranc e Building and Kork Wine Bar. It is a mixed media piece depicting traditional G eorgetown landmarks completed in April 2014 using ink, coffee s tain, gouache, and ink was h. T he mural was s ponsored by the C ity of G eorgetown’s Main S treet P rogram. F IN AN C IAL IMPAC T: . S UB MIT T E D B Y: AT TAC H ME N T S: Description Type The Square Cover Memo Page 39 of 43 Page 40 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: Dis cus s ion on P roject Teams , P artner updates, and BR E Vis its IT E M S UMMARY: Fundraising Breakfas t Bites G eorgetown Swirl BR E Visits F IN AN C IAL IMPAC T: . S UB MIT T E D B Y: Kim Mc Auliffe Page 41 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: Acknowledgement and appreciation for outgoing board members , Tris ha Tallman and Diane G aume for their service to the C ity of G eorgetown Main S treet P rogram - C hristine Tomaszewski, B oard Vice-C hair IT E M S UMMARY: F IN AN C IAL IMPAC T: . S UB MIT T E D B Y: Page 42 of 43 City of Georgetown, Texas Main Street Advisory Board February 12, 2021 S UB J E C T: S taff R eport - K im M cAuliffe, D owntown D evelopment M anager IT E M S UMMARY: Department changes Introduction of Nathan G arcia, Main S treet & Ec onomic Development S pring Intern Bus iness & development updates F IN AN C IAL IMPAC T: . S UB MIT T E D B Y: KM Page 43 of 43