HomeMy WebLinkAbout25-38 Confirming Resolution - Real Property Tax Abatement for South Bend Chippewa, LLC and South Bend Chippewa ACG, LLC Y .y = CITY OF SOUTH BEND
COMMUNITY INVESTMENT
August 20, 2025 Filed in Clerk's Office
Council Member Troy Warner AUG
0 2025
Chairperson, Community Investment Committee
South Bend Common Council Bianca Tirado
County-City Building, 4'h Floor City Clerk, South Bend, IN
South Bend, Indiana 46601
RE: Confirming Resolutions: Industrial Real Property Tax Abatement for South Bend
Chippewa, LLC and South Bend Chippewa ACG, LLC
Dear Council Member Warner,
Please find the enclosed Confirming Resolution, Memoranda of Agreement, and adjusted Form
SB-1 for an industrial real property tax abatement for South Bend Chippewa, LLC, and South
Bend Chippewa ACG, LLC, which are Foreign Limited Liability Companies with principal
offices in Richfield, Ohio.
The petitioner intends to redevelop property at 701 W. Chippewa Ave. The redevelopment will
occur over 2 phases, with the initial phase consisting of structural and masonry repairs, new
facade and siding, utility upgrades, paving and concrete, lighting and landscaping
improvements. The second phase will include the demolition and renovation of former aviation
testing cell areas on the property. The project meets the qualifications for an eight-year (8)
industrial development real property tax abatement.
A representative from South Bend Chippewa, LLC/South Bend Chippewa ACG, LLC, will be
available to meet with the Committee on Monday, August 25, 2025.
Should you or other Council members have questions about the report or need additional
information, please feel free to call me at (574) 235-5836.
Sincerely,
Mark Bemenderfer
Manager of Business Development
EXCELLENCE ACCOUNTABILITY INNOVATION INCLUSION EMPOWERMENT
1400S County-City Building 227W.Jefferson Blvd. South Bend,Indiana 46601 p 574.235.9371 www.southbendin.gov
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Filed in Clerk's Office
AUG 2 0 2025
BILL NO. 25-38
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RESOLUTION NO. Bianca South
Bend,Clerk, South Bend, IN
A RESOLUTION CONFIRMING THE ADOPTION OF A DECLARATORY
RESOLUTION DESIGNATING CERTAIN AREAS WITHIN THE CITY OF
SOUTH BEND, INDIANA, COMMONLY KNOWN AS
701 W. Chippewa Ave, South Bend, IN 46614
AN ECONOMIC REVITALIZATION AREA FOR PURPOSES OF AN
EIGHT-YEAR (8) REAL PROPERTY TAX ABATEMENT FOR
South Bend Chippewa, LLC
AND
South Bend Chippewa ACG, LLC
WHEREAS, the Common Council of the City of South Bend, Indiana, has adopted a
Declaratory Resolution designating certain areas within the City as an Economic Revitalization
Area for the purpose of tax abatement consideration; and
WHEREAS, a Declaratory Resolution designated the area described as:
Key Number: 71-08-23-400-001.000-026
Local Parcel Number: 018-8020-0837
Commonly Known As: 701 W Chippewa Ave
Legal Description: Lot 1 Indiana G R Q Minor Sub
be designated as an Economic Revitalization Area under the provisions of Indiana Code 6-1.1-
12.1 et seq., and South Bend Municipal Code Sections 2-76 et seq.; and
WHEREAS, notice of the adoption of a Declaratory Resolution and the public hearing
before the Council has been published pursuant to Indiana Code 6-1.1-12.1-2.5; and
WHEREAS, the Council held a public hearing for the purposes of hearing all
remonstrances and objections from interested persons; and
WHEREAS, the Council has determined that the qualifications for an economic
revitalization area have been met; and
WHEREAS, the Council adopted Declaratory Resolution No. 5140-25 on June 23, 2025.
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NOW, THEREFORE, BE IT RESOLVED by the Common Council of the City of South
Bend, Indiana, as follows:
SECTION I. The Common Council hereby confirms its Declaratory Resolution designating the
area described herein as an Economic Revitalization Area for the purposes of tax abatement. Such
designation is for an industrial development real property tax abatement only and shall expire on
December 31, 2028.
SECTION II. The Common Council hereby determines that the property owner is qualified for
and is granted real property tax deduction for up to a period of eight (8) years as shown by the
schedule outlined below as well as the attachment pursuant to Indiana Code 6-1.1-12.1-17 and
further determines that the petition, the Memorandum of Agreement between the Petitioner and
the City of South Bend, and the Statement of Benefits comply with Chapter 2, Article 6, of the
Municipal Code of the City of South Bend and Indiana Code 6-1.1-12 et seq.
Year 1 - 100%
Year 2 - 95%
Year 3 - 90%
Year 4 - 85%
Year s - 80%
Year 6 - 75%
Year 7 - 70%
Year 8 - 65%
SECTION III. This Resolution shall be in full force and effect from and after its adoption by the
Common Council and approved by the Mayor.
Canneth J. Lee, Council President
South Bend Common Council
Attest:
Bianca L. Tirado, City Clerk
Office of the City Clerk
Presented by me, the undersigned Clerk of the City of South Bend, to the Mayor of the
City of South Bend, Indiana on the day of , 2025, at o'clock .m.
Bianca L. Tirado, City Clerk
Office of the City Clerk
Approved and signed by me on the day of , 2025, at o'clock
.m.
James Mueller, Mayor
City of South Bend, Indiana
Filed in Clerk's Office
2 0 2(.125
rado
MEMORANDUM OF AGREEMENT Bianca Tth Bend,Clerk, South Bend, IN
(INDUSTRIAL DEVELOPMENT REAL PROPERTY TAX ABATEMENT)
This Memorandum of Agreement (this "Agreement") dated as of July 17, 2025, serves as
confirmation of a commitment by South Bend Chippewa, LLC and South Bend Chippewa ACG,
LLC (the "Applicants"), pending a July 28, 2025, public hearing, to comply with the project
description,job creation and retention (and associated wage rates and salaries) figures contained in its
petition, Statement of Benefits, and attachments and this Agreement.
1. Property Associated with the Abatement and Responsibilities of the Applicants. At the time
of this Agreement, the property is located at 701 W. Chippewa St,South Bend, IN 46614,and has Key
Number 71-08-23-400-001.000-026 (the "Property"). Throughout the duration of the abatement, the
Applicants shall promptly report any changes in the address or Key Number of the property receiving
the abatement to the Department of Community Investment and to the Office of the City Clerk.
Moreover,the Applicants also shall report any material changes or improvements made to the property
subject to the abatement including changes as the result of subdividing, replatting, or otherwise. The
Applicants agrees that failure to promptly report changes can result in a finding of noncompliance on
behalf of the Applicants under the commitments of this Agreement.
2. Commitments of City and Applicants. Subject to the adoption of a Declaratory Resolution and
a Confirmatory Resolution by the South Bend Common Council(the"SBCC"),the City of South Bend,
Indiana,(the"City")commits to provide an eight-year(8)industrial development real property tax
abatement for the Applicants, based on the Applicants' commitment set forth in its Application. The
Applicants commit to the following(the"Commitments"):
(a)making total combined real property expenditures of no less than Six Million Nine Hundred
Thousand Dollars($6,900,000.00) for the rehabilitation of the Property;
(b)contingent upon the activation of space that houses the former test cell area of the Property,
creating at least fifty-five (55) permanent full-time jobs with a total estimated annual payroll of at
least One Million Nine Hundred Forty-Four Thousand Eight Hundred dollars($1,944,800); and
(c) acting in good faith to complete the project as described in its Application.
3. Applicants' Compliance with City and State Laws. During the term of the abatement, the
Applicants shall comply with Chapter 2, Article 6, of the South Bend Municipal Code, entitled"Tax
Abatement Procedures," and all governing provisions of the Indiana Code. During the term of this
abatement, the City may annually request information from the Applicants concerning the nature of
the Project, the approved capital expenditure of the Project, the number of full-time permanent
positions newly created by the Project, and the average wage rates and salaries (excluding benefits &
overtime)associated with the positions,and the Applicants shall provide the City with adequate written
evidence thereof within fifteen(15)days of such request(the"Annual Survey"). The City shall utilize
this information and the information required to be filed by the Applicants in the CF-1 Compliance
with the Statement of Benefits form to verify that the Applicants has at all times complied with the
Commitments after the Commitment Date and during the duration of the abatement and for no other
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purpose. The Applicants further agree to provide the City with such additional information as
requested by the City to determine Applicants' compliance with the Commitments and with local and
state requirements within twenty (20) days following any such request. Notwithstanding anything
herein to the contrary, the Applicants acknowledges that the City may be required to disclose certain
documents provided by the Applicants as required by a court order or applicable law.
4. Substantial Compliance and Rights of Termination. The City, by and through the SBCC,
reserves the right to terminate the Economic Revitalization Area designation and associated property
tax abatement deductions if it reasonably determines that the Applicants have not made reasonable
efforts to substantially comply with all the Commitments, as defined in Section 2 of this Agreement,
and the Applicants' failure to substantially comply with the Commitments was not due to factors
beyond its reasonable control, as described in Section 5 below.
5. Factors Beyond Control. As used in this Agreement, factors beyond the control of the
Applicants shall include,but not be limited to,conditions that negatively impact the Applicant's ability
to perform under this Agreement, including: (a)economic downturns,recessions,or market conditions;
(b) major supply chain disruptions; (c) labor shortages or disputes; (d) acts of God; (e) pandemics or
public health emergencies;(f)changes in laws or regulations;(g)delays in obtaining necessary permits
or approvals not caused by Applicants; (h) construction delays not caused by Applicants; and (i) any
other factors not reasonably foreseeable at the time of designation application and submission of
Statement of Benefits which are not caused by any act or omission of the Applicants, and which
materially and adversely affect the ability of the Applicants to substantially comply with this
Agreement. Applicants have the burden to communicate to the City any such factors in which it
believes is beyond its control and impacting its ability to fulfill the terms of this Agreement or any tax
abatement benefit provided to the City. The City reserves the right to investigate the factors cited by
Applicants under this Section 5 to the fullest extent possible and may deny Applicants' request upon
the completion of the City's investigation.
6. Repayment of Tax Abatement Savings. If at any time during the term of this Agreement the
Applicants shall: (a) be delinquent or in default with respect to any tax payment in St. Joseph County,
Indiana;or(b)cease operations at the facility for which the tax abatement was granted;or(c)announce
the cessation of operations at such facility, then the City may immediately terminate the Economic
Revitalization Area designation and associated tax abatement deductions, and upon such termination,
require Applicants to repay all of the tax abatement savings received through the date of such
termination.
7. Notice/Hearing of Termination. In the event that the City determines that the Economic
Revitalization Area designation and associated tax abatement deductions should be terminated or that
all or a portion of the tax abatement savings should be repaid, it will give the Applicants notice of such
determination, including a written statement calculating the amount due from the Applicants, and will
provide the Applicants with an opportunity to meet with the City's designated representatives to show
cause why the abatement should not be terminated and/or the tax savings repaid. Such notice shall
state the names of the person with whom the Applicants may meet and will provide that the Applicants
shall have thirty (30) days from the date of such notice to arrange such meeting and to provide its
evidence concerning why the abatement termination and/or tax savings repayment should not occur.
If, after giving such notice and receiving such evidence, if any,the City determines that the abatement
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termination and/or the tax repayment action is proper, the Applicants shall be provided with written
notice and a hearing before the SBCC before any final action shall be taken terminating the abatement
and/or requiring repayment of tax benefits. The Applicants shall be entitled to appeal that
determination to a St. Joseph County Superior or Circuit Court.
8. Repayment. In the event the City requires repayment of the tax abatement savings as provided
hereunder, it shall provide Applicants with a written statement calculating the amount due (the
"Statement"),and Applicants shall make such repayment to the City within one hundred twenty(120)
days of the date of the Statement. If the Applicants do not make timely repayment, the City shall be
entitled to all reasonable costs and attorneys' fees incurred in the enforcement of this Agreement and
the collection of the tax abatement savings required to be repaid hereunder.
9. Modification/Entire Agreement. This Agreement and the schedules attached hereto as Exhibit
A contain the entire understanding between the City and the Applicants with respect to the subject
matter hereof, and supersede all prior and contemporaneous agreements and understandings,
inducements, and conditions, expressed or implied, oral, or written, except as herein contained. This
Agreement may not be modified or amended other than by an agreement in writing signed by the City
and the Applicants. The Applicants understand that any and all filings required to be made or actions
required to be taken to initiate or maintain the abatement are solely the responsibility of the Applicants.
10. Waivers. Neither the failure nor any delay on the part of the City to exercise any right,remedy,
power, or privilege under this Agreement shall operate as a waiver thereof, nor shall any single or
partial exercise of any right, remedy, power, or privilege preclude any other or further exercise of the
same or of any other right,remedy,power,or privilege with respect to any occurrence or be construed
as a waiver of such right, remedy,power,or privilege with respect to any other occurrence. No waiver
shall be effective unless it is in writing and is signed by the party asserted to have granted such waiver.
11. Notices. All notices, requests, demands, and other communications required or permitted
under this Agreement shall be in writing and shall be deemed to have been received when delivered by
hand or by facsimile (with confirmation by registered or certified mail) or on the third business day
following the mailing,by registered or certified mail,postage prepaid,return receipt requested,thereof,
addressed as set forth below:
If to Applicants: Indiana GRQ, Inc
4020 Kinross Lakes Pkwy, Suite 200,
Richfield, OH 44286
Attn: Michele Kiernan& Matt DeVicchio
If to the City: City of South Bend, Indiana
227 W. Jefferson Boulevard, Suite 1400S
South Bend, Indiana 46601
Attn: Executive Director of Community Investment
12. Governing Laws of Indiana. This Agreement and all questions relating to its validity,
interpretation,performance,and enforcement shall be governed by the laws and decisions of the courts
of the State of Indiana.
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13. Applicants' Consent to Jurisdiction. The Applicants hereby irrevocably consent to the
jurisdiction of the Courts of the State of Indiana and of the St. Joseph County Circuit or Superior Court
in connection with any action or proceeding arising out of or relating to this Agreement or any
documents or instrument delivered with respect to any of the obligations hereunder, and any action
related to this Agreement shall be brought in such County and in such Court.
14. Assignment and Transfer Prohibited. This Agreement shall be binding upon and inure to the
benefit of the City and the Applicants and their successors and assigns, except (a) that no party may
assign or transfer its rights or obligations under this Agreement without the prior written consent of
the other party hereto, in which consent shall not be unreasonably withheld, conditioned or delayed
and (b) Applicants may assign and transfer their rights under this Agreement to the Permitted Assign
without prior written consent. "Permitted Assign" means the affiliated single purpose entity created
for purposes of designing, constructing, owning, operating, and maintaining the project which is the
subject of this Agreement.
15. Valid and Binding Agreement. This Agreement may be executed in any number of
counterparts, each of which shall be deemed to be an original as against any party whose signature
appears thereon, and all of which shall together constitute one and the same instrument. By executing
this Agreement, each person so executing affirms that he has been duly authorized to execute this
Agreement on behalf of such party and that this Agreement constitutes a valid and binding obligation
of the party.
16. Severability. The provisions of this Agreement and of each section or other subdivision herein
are independent of and separable from each other,and no provision shall be affected or rendered invalid
or unenforceable by virtue of the fact that for any reason any other or others of them may be invalid or
unenforceable in whole or in part unless this Agreement is rendered totally unenforceable thereby.
17. No Personal Liability. No official, director, officer, employee, or agent of the City shall be
charged personally by the Applicants, its employees, or its agents with any liabilities or expenses of
defense or be held personally liable to the Applicants under any term or provision of this Agreement
or because of the execution by such party of this Agreement or because of any default by such party
hereunder.
[Remainder of page intentionally blank.'
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IN WITNESS WHEREOF,the parties hereto have executed this Agreement as of the day and year first
above written.
"Applicants" "City"
South Bend Chippewa, LLC & South Bend City of South Bend, Indiana
Chippewa ACG, LLC
By:
By: `//�fL�
Canneth Lee
Michele Kiernan President, South Bend Common Council
Authorized Agent
Indiana GRQ, Inc
By:
Approved as to Legal Adequacy and Form this
Troy Warner
day of , 2025. Chairperson, Community Investment
Committee
Counsel, South Bend Common Council
By:
Erik Glavich
Department of Community Investment
Counsel for Applicants
By:
James Mueller
Mayor
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EXHIBIT A
Abatement Schedule
Subject to the adoption by the SBCC of a resolution confirming the adoption of Declaratory Resolution
No. 5140-25, the property owner is qualified for and is granted an industrial development real
property tax abatement for a period of eight(8) years as shown by the schedule outlined below.
Year 1 - 100%
Year 2 - 95%
Year 3 - 90%
Year 4 - 85%
Year 5 - 80%
Year 6 - 75%
Year 7 - 70%
Year 8 - 65%
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STATEMENT OF BENEFITS 2025 PAY2026
1.1 REAL ESTATE IMPROVEMENTS
axtri� State Form 51767(R7/1-21) FORM SB-1 I Real Property
• `'" Prescribed by the Department of Local Government Finance
"° PRIVACY NOTICE
This statement is being completed for real property that qualifies under the following Indiana Code(check one box): Any information concerning the cost
E Redevelopment or rehabilitation of real estate improvements(IC 6-1.1-12.1-4) of the property and specific salaries
paid to individual employees by the
❑ Residentially distressed area(IC 6-1.1-12.1-4.1) property owner is confidential per
IC 6-1.1-12.1-5.1.
INSTRUCTIONS:
1. This statement must be submitted to the body designating the Economic Revitalization Area prior to the public hearing if the designating body requires
information from the applicant in making its decision about whether to designate an Economic Revitalization Area. Otherwise. this statement must be
submitted to the designating body BEFORE the redevelopment or rehabilitation of real property for which the person wishes to claim a deduction.
2. The statement of benefits form must be submitted to the designating body and the area designated an economic revitalization area before the initiation of
the redevelopment or rehabilitation for which the person desires to claim a deduction
3. To obtain a deduction.a Form 322/RE must be filed with the county auditor before May 10 in the year in which the addition to assessed valuation is
made or not later than thirty(30)days after the assessment notice is mailed to the property owner if it was mailed after April 10. A property owner who
failed to file a deduction application within the prescribed deadline may file an application between January 1 and May 10 of a subsequent year
4. A property owner who files for the deduction must provide the county auditor and designating body with a Form CF-1/Real Property. The Form CF-1/Real
Property should be attached to the Form 322/RE when the deduction is first claimed and then updated annually for each year the deduction is applicable
IC 6-1.1-12.1-5.1(b)
5. For a Form SB-1/Real Property that is approved after June 30. 2013, the designating body is required to establish an abatement schedule for each
deduction allowed. For a Form SB-1/Real Property that is approved prior to July 1. 2013, the abatement schedule approved by the designating body
remains in effect. IC 6-1.1-12.1-17
SECTION 1 TAXPAYER INFORMATION
Name of taxpayer South Bend Chippewa, LLC & South Bend Chippewa ACG, LLC
Address of taxpayer
Numhcr and Street: 4020 Kinross Lakes Pkwy Ste. 200 City. Mishawaka State: IN ZIP. 46545
Name of contact person Telephone number E-mail address
Pirsi Name. Michele List Name' Kiernan (330)671-9825 mkiernan@irgra.com
SECTION 2 LOCATION AND DESCRIPTION OF PROPOSED PROJECT
Name of designating body Resolution number
Common Council of the City of South Bend
Location of property Number and rirunt City Sian ZIP County DLGF taxing district number
701 W Chippewa St South Bend IN 46614 St. Joseph 026(South Bend-Portage)
Description of real property improvements.redevelopment.or rehabilitation(use additional sheets if necessary) Estimated start date(month day.year)
Rehabilitation of the property accomplished through 2 phases:Phase 1 includes,but is not restricted to,structural and masonry repairs, 9/1/2025
new facade and siding,utility upgrades,paving and concrete,landscaping improvements,lighting,and more.
Phase 2 includes,but is not limited to,demolition and development of the former test cell area of the building(comprising approximately Estimated completion date(month,day year)
221,000 sq ft),additional building improvements and development as necessary 6/1/2027
SECTION 3 ESTIMATE OF EMPLOYEES AND SALARIES AS RESULT OF PROPOSED PROJECT
Current Number Salaries Number Retained Salaries Number Additional Salaries
200 $6,800,000 200 $ 6,800,000 55 $ 1,944,800
SECTION 4 ESTIMATED TOTAL COST AND VALUE OF PROPOSED PROJECT
REAL ESTATE IMPROVEMENTS
COST ASSESSED VALUE
Current values $0 $9.841,500
Plus estimated values of proposed project $6,900,000 $4,140,000
Less values of any property being replaced $0 $0
Net estimated values upon completion of project $6,900.000 $13,981,500
SECTION 5 WASTE CONVERTED AND OTHER BENEFITS PROMISED BY THE TAXPAYER
Estimated solid waste converted(pounds) Estimated hazardous waste converted(pounds)
Other benefits Filed in Clerk's Office
AUG 2 0 2025
Bianca Tirado
City Clerk, South Bend, IN
SECTION 6 TAXPAYER CERTIFICATION
I hereby certify that the representations in this statement are true.
__. - tive Date signed(month,day year)
/1/j1l 8/13/2025
Printed name of authorized representative Title
Michele Kiernan Authorized Agent
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6.
FOR USE OF THE DESIGNATING BODY
We find that the applicant meets the general standards in the resolution adopted or to be adopted by this body. Said resolution.passed or to be passed
under IC 6-1.1-12.1,provides for the following limitations:
A. The designated area has been limited to a period of time not to exceed n/a calendar years"(see below). The date this designation
expires is 12/31/2028 . NOTE:This question addresses whether the resolution contains an expiration date for the designated area.
B. The type of deduction that is allowed in the designated area is limited to:
1.Redevelopment or rehabilitation of real estate improvements 0 Yes ❑No
2.Residentially distressed areas ❑Yes No
C. The amount of the deduction applicable is limited to$ n/a
D. Other limitations or conditions(specify) n/a
E. Number of years allowed ❑Year 1 ❑Year 2 ❑Year 3 ❑Year 4 ❑ Year 5 (*see below)
❑Year 6 ❑Year 7 Q Year 8 ❑Year 9 ❑ Year 10
F. For a statement of benefits approved after June 30.2013,did this designating body adopt an abatement schedule per IC 6-1.1-12.1-17?
El Yes ❑No
If yes,attach a copy of the abatement schedule to this form.
If no,the designating body is required to establish an abatement schedule before the deduction can be determined.
We have also reviewed the information contained in the statement of benefits and find that the estimates and expectations are reasonable and have
determined that the totality of benefits is sufficient to justify the deduction described above.
Approved(signature and title of authorized member of designating body) Telephone number Date signed(month day year)
( )
Printed name of authorized member of designating body Name of designating body
Common Council of the City of South Bend, Indiana
Attested by(signature and title of attester) Printed name of attester
*If the designating body limits the time period during which an area is an economic revitalization area.that limitation does not limit the length of time a
taxpayer is entitled to receive a deduction to a number of years that is less than the number of years designated under IC 6-1.1-12.1-17.
A. For residentially distressed areas where the Form SB-1/Real Property was approved prior to July 1,2013,the deductions established in IC
6-1.1-12.1-4.1 remain in effect.The deduction period may not exceed five(5)years. For a Form SB-1/Real Property that is approved after June 30.
2013.the designating body is required to establish an abatement schedule for each deduction allowed. Except as provided in IC 6-1.1-12.1-18.the
deduction period may not exceed ten(10)years. (See IC 6-1.1-12.1-17 below.)
B. For the redevelopment or rehabilitation of real property where the Form SB-1/Real Property was approved prior to July 1.2013.the abatement
schedule approved by the designating body remains in effect. For a Form SB-1/Real Property that is approved after June 30.2013.the designating
body is required to establish an abatement schedule for each deduction allowed.(See IC 6-1.1-12.1-17 below.)
IC 6-1.1-12.1-17
Abatement schedules
Sec.17.(a)A designating body may provide to a business that is established in or relocated to a revitalization area and that receives a deduction under
section 4 or 4.5 of this chapter an abatement schedule based on the following factors.
(1) The total amount of the taxpayers investment in real and personal property.
(2) The number of new full-time equivalent jobs created.
(3) The average wage of the new employees compared to the state minimum wage.
(4) The infrastructure requirements for the taxpayers investment.
(b)This subsection applies to a statement of benefits approved after June 30.2013. A designating body shall establish an abatement schedule
for each deduction allowed under this chapter. An abatement schedule must specify the percentage amount of the deduction for each year of
the deduction. Except as provided in IC 6-1.1-12.1-18,an abatement schedule may not exceed ten(10)years.
(c)An abatement schedule approved for a particular taxpayer before July 1 2013.remains in effect until the abatement schedule expires under
the terms of the resolution approving the taxpayers statement of benefits.
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