• All replacements require prior written Board approval via Architecture Change Request Form 9.2
• Non-conforming installations may be required to be removed at owner's expense
• Owner responsible for all stucco damage during replacement
• Approved products listed in App A
• Patio door-panes may have grids or no grids; all three panes must match

• Yard lamp bulb replacement is Association's responsibility — email the Board — subject: Maintenance
• If lamp not lighting, check garage GFI outlet first
• Approved lamp products in App A

• All exterior changes (doors, deck, windows, garage door) require prior Board approval
• Work must be done by licensed, bonded, and insured contractor
• Contractor insurance certificate required before work begins Form 9.4
• Using an approved product still requires a Change Request form

• Nothing may be permanently attached to exterior walls
• Painting/staining scheduled in reserve study; covers half the units per cycle
• See App A for approved paint colors

• Attached to vertical wood trim bordering garage door, opposite side from house numbers
• One flag bracket per unit maximum

• Front and single-hung deck storm doors: approved products in App A
• All storm door replacements require Change Request form

• Replacement doors must match Association standard; approved models in App A
• Prior Board approval required

• Handrail replacements must match existing style and material
• Prior Board approval required

• Any repairs to stucco or exterior wood require Board approval and licensed contractor
• Approved paint/stain colors in App A

• Decking, railings, and privacy screens are being replaced community-wide in 2026–2027 using Board-approved components
• Approved products and specifications listed in App A
• Owner-requested deck expansions require city permit, Board approval, and an easement onto common area; expansion costs are owner's responsibility
• Owner responsibility for damage. Owners are responsible for the cost of repairing or replacing any decking, railing, or privacy-screen component damaged by owner or tenant actions, including but not limited to: use of shovels, ice scrapers, or other sharp-edged tools on the deck surface; application of paint, stain, or non-approved coatings; cutting or grinding metal on the deck; dragging furniture or heavy objects instead of lifting; leaving rubber-backed mats, tarps, or non-porous items on the surface for extended periods; use of abrasive cleaners, strong solvents, or acidic/caustic chemicals on any component; power-washing above 1,500 PSI or using a direct-stream nozzle; striking railings or privacy screens with metal tools or snow-removal equipment; and allowing de-icing salt to accumulate on powder-coated surfaces without rinsing. See App A for required care and cleaning procedures.

• Owner responsible for cleanup of discarded seeds in rock/lawn areas
• Pest control resulting from feeders is owner's responsibility

• Prior written Board approval required
• Maximum 7 days; extensions considered case-by-case
• Must not extend onto streets, lawns, or common areas
• Driveway/property damage is owner's expense

• Seasonal/party decorations: week of event only
• Holiday lights: after Thanksgiving, off by January 15

• Gas, wood-burning, or electric firepits are not allowed

• American flags only; no windsocks, banners, or chimes
• Nothing hung on exterior stucco or nailed into exterior fascia

• Allowed anytime; written notice to Board Secretary required
• Signs on Lake Susan Hills Dr and own lawn only; removed within 24 hours
• All items stored in garage at end of each sale day

• Not from brackets on house, garage, deck, or stoop railings
• Shepherd hooks or decorative hooks in rock areas only

• Potted plants: no approval needed; may go in rock areas, porches, decks
• Do not obscure house numbers; pots must not impede sprinklers or snow removal
• Pots must be stowed out of sight in winter

• Board monitors and applies salt when appropriate
• Owners responsible for keeping driveways and sidewalks safe

• Do not attempt to remove snow/ice from roof — email the Board — subject: Urgent | Maintenance
• Owner-caused roof damage is owner's expense

Association maintains and programs the in-ground sprinkler system. Email the Board with subject line Maintenance for questions about schedule or operation.

• Store neatly coiled in rock areas; not visible from street when not in use

• Exterior lights on timers or dusk-to-dawn sensors preferred

• Association maintains mailbox structures; owner maintains interior

• Each unit: 2 garage + 2 driveway spaces
• Streets are No Parking Anytime
• No boats, trailers in driveways or bays
• Parking bays for guests only; Board approval for overnight bay use Form 9.5

Anderson Series 3000, Sandstone, oil rubbed bronze handle set, full-view clear glass with self-storing slide-away insect screen. Available at Home Depot. Applies to front and back deck entry doors.

Replacement cost is owner’s responsibility. Any stucco damaged during replacement is also owner’s responsibility.

Approved Installer: Minnesota Exterior, Inc. (MEI) — Marvin Infinity window inserts, casement style with grids, color: Cashmere.

Glass replacement is owner’s responsibility.

Preferred Contractor: Glass Doctor of Minneapolis (Eden Prairie)
Bryce Stalke, Owner — 7093 Shady Oak Rd, Eden Prairie MN 55344
952-930-3297 · minneapolis.owner@glassdoctor.com

Midland residential garage door, 24-gauge steel, pebble-grained texture, Color: Almond. Available through Twin City Garage Door: 763-533-3838. Replace with same style as originally installed.

Loftus Ornamental Iron, Inc — 9837 13th Ave N, Plymouth MN 55441 — 763-545-2669

Phillips 40-Watt LED Soft White. Email lshta.board@gmail.com — subject: Maintenance | Yard Lamp Out.

Sylvania Edison Style 40 Watt LED. Yard lamp bulb replacement is Association’s responsibility — email lshta.board@gmail.com (subject: Maintenance).

Exterior paint/stain colors are scheduled in the reserve study and applied by the Association. Email lshta.board@gmail.com (subject: Architecture) for current approved color specifications before any touch-up work.

• Cleaning. Use TimberTech DeckCleaner™ diluted per label directions and a medium-stiffness nylon bristle brush. Do not use a stiff natural-fiber brush on composite — it can dull the surface. Clean in small sections; rinse thoroughly before moving on. Do not let cleaner dry on the surface.
• Power washing. For rinsing only — maximum 1,500 PSI with a fan-tip nozzle. Spray in the direction of the grain pattern, never across. Do not use a direct-stream nozzle.
• Spills. Clean food and beverage spills with soap and water within one week to maintain stain-warranty coverage.
• Do not use shovels, ice scrapers, or sharp-edged tools on the deck surface — this voids the warranty. Do not apply paint, stain, or coatings. Do not cut or grind metal on the deck. Do not leave rubber-backed mats, tarps, or pool toys on the surface for extended periods (causes discoloration). Avoid abrasive compounds, acidic/caustic cleaners, strong solvents, biocides, fungicides, and plant foods.
• Furniture. Always lift and carry — never drag or slide — to prevent surface scratching. Rearrange periodically to avoid uneven sun fading.
• Snow removal. Use a plastic shovel or broom only. No metal blades. For ice, use calcium-chloride-based ice melt (avoid rock salt).

• Cleaning. Wash at least twice per year with mild, non-abrasive soap and warm water using a soft cloth or sponge. Rinse with clean water. Do not use steel wool, abrasive pads, harsh solvents, or pressure washers — these damage the powder-coat finish.
• Salt & de-icing. Rinse salt and de-icer residue from railing posts and screen bases after each winter thaw event. Salt left on the finish accelerates corrosion.
• Inspect annually. Check for scratches, chips, or loose fasteners. Repair chips promptly with manufacturer-recommended touch-up paint to prevent corrosion. Tighten any loose screws — thermal expansion/contraction can loosen fasteners over time.
• Do not strike railings or screens with metal snow shovels, tools, or equipment. Do not hang heavy items that stress connections. Do not apply abrasive wax compounds (use only UV-blocking liquid car wax if desired).

To ensure reserve funds are used prudently for their intended purpose: funding major repairs and replacements of Association-owned components identified in the Reserve Study.

• Repair or replacement of Association-owned components per the Reserve Study
• Roof replacement, exterior painting, pavement, parking surfaces
• Major mechanical systems (HVAC common areas, irrigation)
• Structural repairs

The Association maintains a Reserve Study updated periodically to identify major components, their remaining useful life, and estimated replacement costs. The Treasurer reports reserve fund status at each Board meeting.

• Reserve funds may not be transferred to operating accounts without Board vote
• Emergency transfers require Board vote within 30 days of transfer

The Board reviews reserve fund adequacy annually and adjusts monthly contributions in the budget process. The goal is full funding per the Reserve Study schedule.

• Building structure and common elements
• Exterior walls, roofs, and common areas
• General liability for common areas
• Directors & Officers (D&O) liability

• Personal property and interior improvements
• Personal liability
• Loss Assessment Coverage (strongly recommended: minimum $25,000)
• Unit improvements and betterments

The Association’s Certificate of Insurance is available on the Cedar Management LSHTA portal. Current renewal: November 1 annually. Owners receive the certificate directly from the insurer at renewal.

All contractors working on Association property must provide proof of liability insurance before work begins. Submit the Contractor Insurance Certification form to the Board. Form 9.4

• Report incidents affecting Association property to a Board member promptly
• Use the Insurance Incident Report form Form 9.8
• Document damage with photographs before any cleanup

Funds day-to-day operations: management fees, landscaping, snow removal, utilities, routine maintenance, and administrative expenses.

• Funded by monthly assessment collections
• Target: 2–3 months of operating expenses in reserve at all times
• Managed by Cedar Management under Board oversight

Long-term capital replacement fund for major components per the Reserve Study.

• Funded by monthly reserve contributions from assessments
• Separate FDIC-insured account; not commingled with operations
• Expenditures governed by Reserve Expenditure Policy (App B)

A separate fund for unexpected operating expenses that exceed the operating budget.

• Funded by Board resolution as needed
• Requires Board vote to access
• Must be replenished within the following budget year

• Monthly Treasurer Report presented at each Board meeting
• Annual budget adopted by Board before year-end
• Financial statements available to owners on the Cedar Management portal

• Held annually on the second Tuesday of September
• All unit owners eligible to attend and vote
• Notice mailed by Secretary at least 21 days prior by US Mail to each unit owner of record
• Quorum: 51% of voting members present in person or by proxy
• If no quorum, meeting adjourned and reconvened until quorum is present
• Business: Board elections (by ballot), budget ratification, and other matters properly brought before the meeting

• Statement of capital expenditures exceeding 2% of budget or $1,000 (whichever is greater), current or anticipated
• Status and amount of any reserve or replacement fund and projects designated by the Board
• Copy of the most recent financial statement (revenue, expenses, and balance sheet)
• Status of any pending suits or judgments to which the Association is a party
• Statement of insurance coverage and confirmation it is current
• Statement of any unpaid assessments by individual Unit

• Called by the President, by Board resolution, or upon petition signed by a majority of owners
• Notice must state time, place, and purpose of the meeting
• No business may be transacted beyond the stated agenda unless 80% of owners present consent
• Attendance in person or by proxy

Per Bylaws Article IV §11:

• (a) Roll call · (b) Proof of notice or waiver · (c) Reading of minutes of preceding meeting · (d) Reports of officers · (e) Report of Federal Housing Administration representative, if any · (f) Report of committees · (g) Election of inspectors of election · (h) Election of directors · (i) Unfinished business · (j) New business · (k) Adjournment

• Regular meetings: Minimum 2 per fiscal year; time and place set by majority of Directors. At least 5 days notice to each Director by personal delivery or mail (may be waived)
• LSHTA practice: Board typically meets monthly during spring, summer, and autumn
• Special meetings: Called by the President (or Secretary on written request of at least 1 Director) on 3 days notice to each Director
• Organizational meeting: Within 10 days of Board election, at the same time and place as the annual meeting; no further notice required if quorum present
• Board quorum: Majority of Directors. A Director’s joinder by signing or concurring in the minutes counts for quorum.
• Open to all unit owners; Board may convene in executive session for personnel, legal, or contract matters

• One vote per Unit, on a unit basis
• If more than one person owns a Unit, they vote as one; if they disagree — odd number of owners: majority vote prevails; even number: they appoint a non-Unit owner to decide
• If the Association owns a Unit, no vote is allocated to that Unit during Association ownership
• No cumulative voting

• Owners may vote by proxy at member meetings Form 9.11
• Proxy must be in writing, filed with the Secretary before the meeting
• Valid until revoked in writing by one of the unit owners
• Proxy may only be given to another member of the Association or to a lien holder of the Unit
• Annual Meeting ballots available in advance Form 9.1

The Board of Directors has the power to borrow money for the maintenance, repair, replacement, modification, or improvement of the common area, and to pledge and pay assessments and all other revenue and income of the Association for such purpose.

(Bylaws, Article V, Section (n))

The Association may also borrow money for capital improvements on the Common Elements and, in aid thereof, may mortgage the Common Elements. The rights of any such mortgagees in the Common Elements shall be subordinate to the rights of the Members.

(Declaration, Article IV, Section 3)

• Debt Cap. No indebtedness authorized under the Declaration's borrowing provision shall exceed twice the sum of the annual assessment levied against all Units. (Declaration, Art. IV, §3)
• 75% Written Approval Required. No mortgage of the Common Elements or other encumbrance shall be given unless first approved in writing by the Owners and First Mortgagees representing 75% of the Lots. (Declaration, Art. IV, §3)
• First Mortgagee Consent for Major Actions. Unless at least 75% of the First Mortgagees (one vote per first mortgage) or 75% of Owners other than the Declarant have given prior written approval, the Association shall not encumber, sell, or transfer the Common Elements. (Declaration, Art. XII, §5)
• Execution of Loan Documents. All agreements, contracts, deeds, mortgages, or other instruments shall be executed by any two (2) officers, or by such other person or persons as may be designated by the Board. (Bylaws, Art. VI, §1)

Under Minnesota law, the Association shall not use or borrow from its replacement reserves to fund operating expenses. However, this restriction does not prevent the Association from pledging replacement reserves as security for a loan to the Association.

(Minn. Stat. § 515B.3-1141(a)(3))

The Minnesota Common Interest Ownership Act (MCIOA), Minn. Stat. Ch. 515B, provides the legal framework governing common interest communities. While Chapter 515B does not contain a standalone provision expressly granting or restricting general borrowing authority, several sections are relevant:

• General Powers (§ 515B.3-102). The Association may exercise any powers conferred by law or by the Declaration, Articles of Incorporation, or Bylaws, as well as any other powers necessary and proper for its governance and operation.
• Replacement Reserves (§ 515B.3-1141(a)(3)). Reserves must be kept separate from operating funds and may not be borrowed from for operating expenses, though they may be pledged as collateral for an Association loan.
• Assessment Liens (§ 515B.3-116). Unpaid assessments constitute a statutory lien on a unit, which may factor into a lender's underwriting when the Association seeks financing.
• Special Assessments (§ 515B.3-115). The Association may levy special assessments for emergencies, underfunded reserves, or unbudgeted capital expenditures—an alternative to borrowing that may be used in conjunction with or instead of a loan.