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Minutes TC 01/19/2019 - Council Retreat TOWN OF TROPHY CLUB TOWN COUNCIL RETREAT MINUTES SATURDAY,JANUARY 19,2019,9:00 A.M. LOCATION: 1 TROPHY WOOD DRIVE,TROPHY CLUB,TEXAS TRAINING/EOC ROOM The Town Council of the Town of Trophy Club,Texas, met in a Retreat Session on Saturday,January 19,2019. The meeting was held within the boundaries of the Town and was open to the public. TOWN COUNCIL MEMBERS PRESENT: C. Nick Sanders Mayor Philip Shoffner Mayor Pro Tern, Place 6 Alicia L. Fleury Council Member, Place 1 arrived at 9:34 a.m. Eric Jensen Council Member, Place 2 Rhylan Rowe Council Member, Place 3 Greg Lamont Council Member, Place 5 TOWN COUNCIL MEMBERS ABSENT: Tim Kurtz Council Member, Place 4 STAFF PRESENT: Tom Class Town Manager Tony Jaramillo Director of Parks and Recreation David Dodd Town Attorney Mike Pastor Information Technology Manager Holly Fimbres Town Secretary/RMO Jonathan Phillips Director of Administrative&Financial Services Patrick Arata Police Chief Tommy Uzee Director of Community Development Wade Carroll Fire Chief John Zagurski Finance Manager Mayor Sanders announced the date of Saturday, January 19, 2019, called the Town Council to order and announced a quorum at 9:00 a.m. CITIZEN PRESENTATIONS This is an opportunity for citizens to address the Council on any matter whether or not it is posted on the agenda. The Council is not permitted to take action on or discuss any presentations made to the Council at this time concerning an item not listed on the agenda. The Council will hear presentations on specific agenda items prior to the Council addressing those items. You may speak up to four (4) minutes or the time limit determined by the Mayor or presiding officer. To speak during this item you must complete the Speaker's form that includes the topic(s)of your statement. Topics of presentation should be limited to matters over which the Council has authority. There were no citizen presentations. RETREAT SESSION 1. Discussion of and take appropriate action regarding the Town's Long Term Financial Outlook(T.Class). Town Manager Class introduced the item and discussed the Town's Five-Year Forecast. He advised that Staff expected to realize an approximate 2.01 percent overall increase in revenues and an estimated three percent inflation in personnel costs annually. The Fiscal Year 2020-2021 Budget discussions would be different from prior budget discussions because the actual Fund Balance moving forward would decrease below the Fund Balance goal if revenues were not increased or expenditures decreased. The Town was reaching the beginning stage of build out and would need to begin functioning as a fully developed community. An additional factor was the proposed 2.5 percent revenue cap that was being reviewed in the 2019 Legislative Session. Mayor Sanders commented that legislative items that were approved would essentially take two years to become in effect. Director of Administrative and Financial Services Phillips commented that sales tax projection included HG Sply being online for a six month period. Staff anticipated a one to three percent increase from other revenue sources but there had been a reduction in franchise fees. Staff was taking the conservative approach and did not factor in development related revenues. The PD 30 permit fees were received at the end of last year. Council Member Jensen inquired about only projecting six months of sales tax in the Five-Year Forecast. Finance Manager Zagurski responded that Staff was only factoring six months of sales tax for this fiscal year but would factor in a full years'worth of sales tax revenue in the following years. Council Member Jensen asked why Staff was not factoring in development related revenues. Director of Administrative and Financial Services Phillips responded that was specific to permit fees. Director of Administrative and Financial Services Phillips went over the Fund Balance forecast and advised that in Fiscal Year 2021 the actual Fund Balance was projected to dip below the Fund Balance goal of 30 percent of operating expenditures. Finance Manager Zagurski discussed the Five-Year Forecast specific to the General Fund. He advised that revenue from property taxes and sales tax were projected to increase over the years. The State has not determined how the Town would receive sales tax from online sales. Property taxes were expected to have a four percent growth, but the General Fund would not realize all four percent due to the balance between the Interest and Sinking(I&S) tax rate and frozen property taxes. Council Member Rowe mentioned that deeper study in the Town's demographics should be conducted of the frozen values. Finance Manager Zagurski remarked that the exemption for those over 65 years of age has grown year after year, which basically increases the property taxes for those under the age of 65. Council Member Jensen pointed out that the three percent sales tax revenue increase was not reflected in the displayed Five-Year Forecast for the General Fund. Finance Manager Zagurski responded that Staff used a rounded number for the projections,which would equate between two to three percent. Finance Manager Zagurski noted that the transfers from Capital expenditures in Fiscal Year 2020 and Fiscal Year 2022 were for capital replacement equipment. Additionally, he discussed that Staff was reviewing either reducing services offered or increasing revenues through utilization of dedicated funding sources and capturing growth while available. Council Member Jensen suggested that Staff submit those options to the Council Finance Subcommittee for consideration. No action was taken on this item. (Town Secretary Note:After completing Agenda Items 1 through 7, Council and Staff revisited Agenda Item No. 1) Mayor Pro Tern Shoffner inquired if Staff included any sales tax projections for the PD 30 development. Finance Manager Zagurski responded that Staff was conservative and did not factor PD 30 development because the development would impact additional expenditures,such as public safety. Town Manager Class explained that the added dwellings and bars would impact additional calls for the Fire and Police Departments. Town Council Retreat Minutes January 19,2019 Page 2 of 10 Council Member Jensen asked if additional personnel would be needed once the PD 30 development was completed. Police Chief Arata responded that the Police Department was reviewing adding two more officers within two years and a third officer within three years specifically for PD 30, as well as a juvenile detective per a grant for this year or next year. Council Member Jensen stated that Dr. Ryder Warren, Superintendent with Northwest Independent School District, had mentioned at the January 8, 2019 Council meeting that the District was interested in starting a police force. This topic should potentially be discussed as a workshop item. Fire Chief Carroll advised that the Fire Department would be proposing to keep the Fire Marshal position after the awarded Federal Emergency Management Agency grant was completed. A Staffing for Adequate Fire and Emergency Response (SAFR) grant would be applied for to accommodate having six fire personnel on each shift and moving to a five man minimum staffing 24 hours a day allowing for two calls to be made simultaneously. He anticipated an additional 200 calls from the PD 30 development per year. Mayor Sanders mentioned that the office of State Representative Tan Parker contacted the Town to see if the Town had any legislative priorities for him to sponsor. He was in favor to have a bill drafted allowing for the expansion of the use of hotel occupancy tax(HOT) funds to help provide additional security and fire coverage for the apartments that would be constructed. Mayor Pro Tem Shoffner remarked that HOT funds were geared to heads in beds, with that should be some leverage to protect those heads in beds such as the ability to purchase a new ambulance. 2. Discussion of and take appropriate action regarding Capital Improvement Projects(Council Member Rowe and Mayor Sanders). Finance Manager Zagurski advised that the Town was scheduled to go out for the next debt issuance in the Spring of 2020. The estimated bond package would be between six and seven million. The Texas Legislature has legislation pending that limits the ability of the Town to issue certificates of obligation. Among the current Capital Improvement projects were: Indian Creek Drive and Phoenix Drive; Trophy Club Drive; Sundance Court and Meadowbrook Lane;Teague Nall&Perkins(TNP)Paving Assessment;and Drainage. Director of Community Development Uzee discussed that the current projects were in the planning and design stages. Sundance Court was being reassessed to potentially go through one of the Town's Cooperative Purchasing Programs or to have Town Staff perform the work. Meadowbrook Drive would be completely repaved and Trophy Club Drive was in the design phase with the ability for a supplemental bid for a left turn lane to Durango Drive. Per the Mayors request, a right turn lane with an acceleration lane to turn right and head west on Highway 114 at Trophy Lake Drive would be added to the design. Council Member Jensen inquired about the timeframe for the Trophy Club Drive project. Director of Community Development Uzee responded that there had been some delays with the addition of the turn lane to Durango Drive. He believed that it could possibly be completed by Fall 2019. Director of Community Development Uzee continued and advised that the drainage was being reassessed at Fresh Meadow Drive and TW King Road. The cost for the hydraulic study would be approximately$35,000. He explained that Town limit lines were being reviewed through plats to verify if the Town property line went to the middle of TW King Road. Director of Parks and Recreation Jaramillo discussed obtaining design options from TNP for a pocket park in Canterbury Hills. Mayor Sanders asked if that item would be considered in the Fiscal Year 2019-2020 Budget. Director of Administrative and Financial Services Phillips responded that it could be in next debt issuance. Town Council Retreat Minutes January 19,2019 Page 3 of 10 Mayor Sanders inquired if the Council was inclined to pursue adding a pocket park in Canterbury Hills. Council Member Rowe remarked that he had a brief conversation with Director of Parks and Recreation Jaramillo regarding adding a trail head, improving the area to make it more accessible and installing gravel parking. There was a value for residents to access trails and to give them the ability to park their bikes or vehicles. Mayor Pro Tem Shoffner suggested just cleaning up the area because most likely the majority of the residents in that area with children went to Harmony Park since it had a playground. (Town Secretary Note:Council Member Fleury arrived) Mayor Sanders was concerned about installing gravel parking because if he lived in that area, he would prefer a concrete parking lot. Mayor Pro Tern Shoffner recommended removing the black silt fencing in that area. Director of Community Development Uzee responded that it could be removed and replaced with a pipe fence because the drive approach was still under construction. Mayor Pro Tern Shoffner mentioned that there was a drainage issue and that a cleaning schedule should be implemented to help with any blockage created by severe rain events. Director of Community Development Uzee responded that a cleaning schedule has been established to help with future blockage. Council Member Jensen inquired if there was a homeowners association (HOA). Mayor Sanders responded that they were trying to establish an HOA. Discussion took place that the land was parkland dedication and that it could not be turned over to the HOA unless it was put to the residents for a vote. Council Member Rowe remarked that based on the comments received the desire seemed not to invest a huge amount of capital. He suggested coming up with two or three ways for passive uses for the Parks and Recreation Board to consider. Mayor Sanders agreed with that suggestion. Director of Parks and Recreation Jaramillo discussed resurfacing the Lakes Trails with concrete between Lakeview Park and Parkview Drive. There was an opportunity to pursue a grant through the Texas Parks and Wildlife Department for an amount of$200,000 with an 80/20 split. The Town would be required to fund the full amount but the Town would be reimbursed. This item could be funded through Parkland Dedication Funds with the understanding that it would be reimbursed. If the Town was not awarded the grant, the contingency plan would be to resurface the trail in three phases. Mayor Sanders commented that the North Central Texas Council of Governments recently announced that they were accepting applications for Safe Routes to School grants and this trail allowed for a safe route for students. Council Member Jensen remarked that the Parkland Dedication Fund was primarily for capital replacement. Council Member Rowe agreed that this trail was used extensively to get children to school. If the trail was not usable then it would cause some pause for residents. This appeared to be a priority that would be an immediate issue. Director of Parks and Recreation Jaramillo remarked that he would review the safety grant but the grant through Texas Parks and Wildlife Department would be for a larger amount. Town Council Retreat Minutes January 19,2019 Page 4 of 10 Director of Administrative and Financial Services Phillips discussed the potential to complete Plaza Drive through the next debt issuance or to be developer funded. Mayor Pro Tem Shoffner commented that potentially Plaza Drive should just be extended to the parking garage and then allow the other side to be used for loading,etc. Director of Administrative and Financial Services Phillips mentioned that a traffic study would be included with the recently approved engineering and design proposal. Mayor Sanders remarked that Staff should review all funding sources for the drainage aspect of Plaza Drive. No action was taken on this item. 3. Discussion of and take appropriate action regarding Goals for the Fiscal Year 2019-2020 Budget;including Capital Budget Items(T.Class). Director of Administrative and Financial Services Phillips discussed the Fiscal Year 2019-2020 Budget specific to the following Revenue Goals: • No tax rate increase and maintaining existing rate; • Pursue sound economic development opportunities; • Continue regional initiatives for the provision of services; • Explore additional partnerships; • Continue annual fee schedule review and adjustments; • Continue to seek creative and alternative means of revenue generation;and • Utilize dedicated funding sources. Director of Administrative and Financial Services Phillips stated that Staff was seeking guidance to seek alternative revenue options. Mayor Sanders was concerned if the Town continued to issue debt to maintain the current l&S rate level because it would set the tone for out years for debt service to control the budget. He recommended placing a cap for an amount to be issued for debt and then anything over would need to go before the residents for a vote. Council Member Rowe commented that generally when resident's property values increase,they expect that their tax rate will go down. Council Member Jensen remarked that typically expenses could not be controlled. If the revenue was not there, then a potential would be to reduce personnel. Staff has indicated that there was a serious concern and ways to increase revenue should be determined without a tax rate increase; otherwise there would need to be consideration on ways to reduce cost. Council Member Fleury commented that the tax rate could not keep being lowered and still maintain the same service level. She cautioned not to reduce personnel because residents expected a high service level. Mayor Pro Tem Shoffner remarked that the Town needed to operate under the current rules given today. The Town could not base decisions on a possibility of action that the Texas Legislature may or may not take. Town Manager Class stated that at this point he did not see an ability to reduce personnel because that would diminish service levels provided to the residents. Staff has been conservative and decreased expenditures considerably. Town Council Retreat Minutes January 19,2019 Page 5 of 10 Conversation ensued that each of the revenue cap bills that have been floating through the Texas Legislature retained similar rollback mechanism that if the Council chose to keep a certain rate that exceeded it there was the ability to put a rollback rate before the residents for a vote. Director of Administrative and Financial Services Phillips continued with Expenditure Goals: • Keep annual recurring cost increases below inflation; • No new program expenditures; • Continue to embrace occasions to improve efficiencies; • Consider compensation increases for a leaner organization and competitive employment environment; • Limited use of Fund Balance for one-time non-recurring expenditures and Council initiatives; • Maintain funding for economic development initiatives;and • Create sustainable funding for equipment replacement fund initiative. Director of Administrative and Financial Services Phillips advised that the proposed General Fund Budget would equate to a 2.01 percent overall increase in revenues using the following forecasted assumptions: • 4.5 percent property tax value increase; • 3.0 percent sales tax revenue increase; • 1 percent to 3 percent revenue increase for all other revenue;and • No new development related revenue. Additionally, Director of Administrative and Financial Services Phillips reviewed the preliminary revenues and Fund Balances for Fiscal Year 2019 and Fiscal Year 2020. Finance Manager Zagurski discussed the Five-Year Forecast for Capital Replacement. Council Member Jensen pointed out that the Parks Capital Replacement should reflect a projected amount in Fiscal Year 2023. Council Member Lamont inquired if the Information Services Replacement was strictly for Town Hall. Director of Administrative and Financial Services Phillips responded that it included technology for each department and changed year after year based on when equipment needed to be replaced. Mayor Pro Tern Shoffner asked if the Trophy Club Municipal Utility District (TCMUD) No. 1 would contribute 100 percent or if the Town would contribute half for the EMS Capital Replacement items. Fire Chief Carroll responded that the Town would pay for the EMS assets and the TCMUD No. 1 would pay for Fire assets. Mayor Sanders inquired about potentially putting funding aside if the Council wanted to use Annex Building for services. Town Manager Class responded that he would be discussing that matter during Executive Session. No action was taken on this item. RECESSED AT 10:26 A.M.FOR A BREAK RECONVENED AT 10:41 A.M. INTO RETREAT SESSION 4. Discussion of and take appropriate action regarding communication processes(Mayor Pro Tem Shoffner and Mayor Sanders). Mayor Sanders advised that this item was to address how to better communicate with residents about zoning changes specific to the attached forward-facing garages. He stated that the reason he got involved with Council was years ago when he believed that he was not properly notified when a cell tower was being consider because he was barely out of the 200 foot requirement to be notified. He mentioned that the City of Southlake Town Council Retreat Minutes January 19,2019 Page 6 of 10 implemented first, second, and third readings of ordinances. The first would be to hear public comments, the second would be to discuss proposed changes,and the third reading could be on the consent agenda for approval. Mayor Pro Tern Shoffner commented that he would be in favor of multiple readings of ordinances since it would be difficult for Staff to determine what items needed additional communication based on importance. Staff should continue to adhere to required regulations set forth by the Texas Local Government Code and the Town's Code of Ordinances. At one point,former PIO/Marketing Manager April Reiling prepared a recap of each Council meeting but that ended when she left. It may be of benefit to have the current Communications and Marketing Manager Jill Lind begin preparing those recaps. Council Member Jensen was in favor of having multiple readings of ordinances. Council Member Rowe agreed that it may be beneficial to have multiple readings of ordinances. He mentioned possibly moving forward with zoning ordinances that required a public hearing and have a preliminary non-action item for the first reading of an ordinance. Town Manager Class remarked that having three readings of an ordinance may be of benefit. He cautioned about deviating from already established communication processes for items based on subjectivity. Town Attorney Dodd advised that three readings could be applied to ordinances that required a public hearing or that had a penal provision. Mayor Pro Tern Shoffner suggested having a history section within Staff Reports because the Planning and Zoning (P&Z) Commission did not realize that detached garages were currently allowed when this item was discussed at their January 3, 2019 meeting. Additionally, he recommended following the P&Z Commission meeting calendar in order to help with the flow of items. He pointed out that there was a Council meeting calendar that should be paid attention to because the Council only met once in certain months. Mayor Sanders commented that he would be fine to have the second and third reading of an ordinance at the same Council meeting if there were cases that needed to be considered quickly. Town Attorney Dodd suggested opening the public hearing at the first reading and continuing it to the second or third reading. Council Member Fleury commented that there were several mechanisms in place to notify residents. She recommended reminding residents that there was a Town alert system that allowed them to choose how to be notified. Mayor Sanders remarked that text messages could be sent to residents through Everbridge to notify them. Town Manager Class responded that Staff had received several complaints from residents when information was distributed through Everbridge because several categories of information were linked to the system, such as severe weather and annual events. No action was taken on this item. 5. Discussion of and provide direction regarding communication to citizens about Council Actions(Mayor Sanders and Mayor Pro Tem Shoffner). Mayor Sanders stated that former PIO/Marketing Manager Reiling used to prepare a recap of each Council meeting. He was in favor of resuming a recap to be more official as opposed to Council trying to communicate what took place at each meeting. Town Council Retreat Minutes January 19,2019 Page 7 of 10 Town Manager Class understood the concerns and explained that Staff has taken great steps to increase communications with residents of Council meetings through the required agenda postings,as well as on FaceBook, Twitter, and YouTube. The issue would be Staff time and possibly having a Staff member create a synopsis that contradicted the minutes. Town Attorney Dodd mentioned that there could be a conflict with a walking quorum if Council Members replied back to an email. Mayor Pro Tem Shoffner advised that the last recap was for the February 10, 2015 Council meeting. The recap did not need to go into detail; it should just be the agenda item and the vote. The recap was sent through an email the following day after a Council meeting and there was a link to watch the Council video. Council Member Jensen assumed that Communications and Marketing Manager Lind could send out a quick recap. Council Member Rowe confirmed that the recap was worth exploring and should basically just state the agenda item and include any action taken. Mayor Sanders felt that it would be beneficial to proceed with Council meeting recaps because it allowed residents to view what actions occurred without having to watch the entire Council meeting. No action was taken on this item. 6. Discussion of and provide direction regarding the Fire Department CERT program,including possible funding aspects(Mayor Sanders and Mayor Pro Tem Shoffner). Mayor Sanders added this agenda item because of recent discussions to assist in the funding of the Trophy Club Emergency Volunteers Association (TCEVA) to help with emergency responses, such as the flooding that occurred last year due to severe weather. He commented that Council Member Jensen had an idea to create a volunteer citizen response team to assist in those types of events. Mayor Sanders wanted to allow discussion on how to activate the volunteers and determine if funds needed to be budgeted. Fire Chief Carroll explained that the Fire Department uses TCEVA to augment services provided. There has been some confusion in the difference between the Community Emergency Response Team (CERT) and TCEVA. TCEVA were local volunteers that supported the Fire and Police Departments through package patrols and rehab teams to bring water, Gatorade, etc. at emergency scenes. CERT was a program housed under Denton County and served multiple jurisdictions. Since CERT was run by Denton County,the volunteers were trained to do certain tasks such as setting up blockades and directing traffic. There would be a legal issue for them to help someone who was injured. He and Police Chief Arata were reviewing the ways that TCEVA and CERT could meet the needs of the Town. The goal was to have a local team by the Summer 2019 and establish policies to ensure their protection. Conversation ensued that TCEVA was a 501(c)(3)organization and was a separate entity from the Town;therefore it may not be appropriate to use the Town website to solicit items that TCEVA needed. Council Member Jensen inquired if there were any costs or equipment that the Town was providing. Fire Chief Carroll responded that the Town covered the cost for the vehicle maintenance and all their equipment was purchased through a Police grant. Mayor Pro Tern Shoffner asked if the volunteers could enter homes to assist in the lifting and moving of furniture. Fire Chief Carroll responded that the TCEVA members could enter houses but the majority of CERT volunteers were retired and some were physically unable to lift or move heavy objects. Discussion took place to establish a phone number and contact person for emergency situations where a resident needed a tree cut down,etc.due to inclement weather. Town Council Retreat Minutes January 19,2019 Page 8 of 10 No action was taken on this item. RECESSED AT 11:40 A.M. FOR A BREAK RECONVENED AT 12:08 P.M. INTO RETREAT SESSION 7. Consider and take appropriate action regarding the 2019 Council Meeting Schedule(Council Member Jensen and Mayor Sanders). Town Secretary Fimbres advised that Staff believed it was appropriate to cancel the following Council meetings: • January 22,2019 • March 12, 2019 • July 9,2019 • November 26,2019 • December 24, 2019 Motion: Motion made by Council Member Jensen, seconded by Council Member Fleury, to approve the 2019 Council Meeting Schedule. Council Member Jensen mentioned proceeding with having an early workshop session every three months because he believed it would be a huge value to work together in an informal setting. The vote was taken. Motion carried unanimously 6-0-0. Council Member Jensen commented that the workshop sessions could start about one hour before a Council meeting. Mayor Sanders was in favor of having a workshop session once a quarter and have dinner provided. Council Member Lamont agreed that it would be a good idea to have more round table discussions. Mayor Sanders supported starting the workshop an hour before a Council meeting and recess by 6:45 p.m. to allow preparation to enter into Regular Session. Council Member Jensen suggested holding the workshops in the Training/EOC Room. (Town Secretary Note:After completing Agenda Items 1 through 7, Council and Staff revisited Agenda Item No. 1) EXECUTIVE SESSION 8. Pursuant to the following designated sections of the Texas Government Code, Annotated, Chapter 551 (Texas Open Meetings Act),the Council will convene into executive session to discuss the following: A) Section 551.071 Consultation with Attorney under Subsection(2)to consult with the Town Attorney on a matter in which the duty of the attorney to the governmental body under the Texas Disciplinary Rules of Professional Conduct of the State Bar of Texas clearly conflicts with the Texas Open Meetings Act, specifically: Cause No. 18-9681-158 Town of Trophy Club v. Michael T.Slye(T.Class) B) Section 551.072 Deliberation regarding Real Property to discuss or deliberate the purchase,exchange, Town Council Retreat Minutes January 19, 2019 Page 9 of 10 lease,or value of real property if deliberation in an open meeting would have a detrimental effect on the position of the governmental body in negotiations with a third person: 1) North of State Highway 114,east of Trophy Club Drive and west of Town limits(Mayor Pro Tem Shoffner and Council Member Kurtz) 2) North of State Highway 114,west of Trophy Club Drive(T. Class) C) Section 551.074 Personnel Matters under Subsection(1)to discuss or deliberate the appointment, evaluation and duties of a public officer or employee: 1) Quarterly Goals and Contract Review of Town Manager Thomas M.Class,Sr.(Town Council) 2) Quarterly Goals and Contract Review of Town Attorney J. David Dodd III(Town Council) 3) Quarterly Goals and Contract Review of Town Secretary Holly Fimbres(Town Council) CONVENED INTO EXECUTIVE SESSION-START TIME—12:30 P.M. RECONVENED INTO REGULAR SESSION-START TIME—3:43 P.M. (Town Secretary Note:Council Member Rowe left during Executive Session) RECONVENED INTO RETREAT SESSION 9. Consider and take appropriate action regarding the Executive Session(T.Class). Motion: Motion made by Council Member Lamont,seconded by Council Member Fleury,to approve the personnel matters that Council discussed in Executive Session. Motion carried unanimously 5-0-0. ADJOURN Mayor Sanders adjourned the meeting at 3:44 p.m. 1 i - 1 / • .-"V,.._.-----i--- Holly Fimbres,Town Secretary C.Hy C. Nick Sanders, Mayor Town of Tr.: y Club,Texas � 0c Town of Trophy Club,Texas 0 --Jr, C 13 jv. )411k If , giw4RY� NCS' ^, , Town Council Retreat Minutes January 19, 2019 Page 10 of 10