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5.2. SR 05-13-1996**ITEM 5.2.** :ty of E TO: FROM: DATE: SUBJECT: MEMORANDUM Mayor & City Council Lori Johnson, Assistant City Administrator May 13, 1996 Resolution Authorizing the Sale of and Setting the Sale Date for $2,655,000 G.O. Sewer Revenue Bonds and $500,000 G.O. Improvement Bonds The city is prepared to issue bonds for the Wastewater Treatment Plant expansion and the Hillside Crossing II public improvements. Attached is a copy of Springsted's Recommendations for the above-referenced issues. The resolution will be distributed Monday. The general obligation sewer revenue bonds will be paid from the net revenues of the sewer fund. As you will recall, sewer rates were increased in 1994 for the years 1994, 1995, and 1996 in anticipation of this expansion project. The city will need to monitor sewer rates and connection charges to ensure that sufficient net revenues are available to meet the fund's debt requirements. Please refer to Page 3 of the Recommendations for the details of the bond issue. As discussed during the audit presentation, sewer funds totaling $1,000,000 will be used to fund this project. The second issue is for public improvements to be installed in the Hillside Crossing II development. The developer has placed a letter of credit with the city for these improvements and has prepaid $150,000 of assessments. The project costs are approximately $596,000. Because the developer has requested in writing that the first special assessment payment be delayed until 1998, additional capitalized interest has been added to the bond issue. This bond issue totals $500,000. Action Requested The City Council is asked to approve the resolution authorizing the issuance of and setting the sale date of June 3 for $2,655,000 G.O. sewer revenue bonds, series 1996A and $500,000 G.O. improvement bonds, series 1996B. 13065 Orono Parkway · P.O. Box 490 · Elk River, MN 55330 · (612) 441-7420 · Fax: (612) 441-7425 Recommendations For City of Elk River, Minnesota $2,655,000 General Obligation Sewer Revenue Bonds, Series 1996A $500,000 General Obligation Improvement Bonds, Series 1996B Presented to: Mayor Hank Duitsman Members, City Council Mr. Patrick Klaers, Administrator Ms. Lori Johnson, Finance Director City of Elk River 13065 Orono Parkway Elk River, MN 55330-0409 Study No.: E0894L2R2 SPRINGSTED Incorporated May 8, 1996 SPRINGSTED Public Finance Advisors RECOMMENDATIONS Re: $2,655,000 General Obligation Sewer Revenue Bonds, Series 1996A $500,000 General Obligation Improvement Bonds, Series 1996B We recommend the following for the bonds: 1. Action Requested 2. Sale Date and Time 3. Authority for Each Bond Issue 4. Prepayment Provisions 5. Credit Rating Comments 6. Bank Qualification To establish the date and time of receiving bids and establish the terms and conditions of the offering. Monday, June 3, 1996 at 11:30 A.M. with award by the City Council at 6:00 P.M. that same day. The bonds are being issued pursuant to Minnesota Statutes, Chapter 475. Additionally, the Series 1996A Bonds are being issued under Minnesota Statutes, Chapter 429 and the Series 1996B Bonds are being issued under Minnesota Statutes, Chapter 444. The City may elect on February 1, 2006, and on any day thereafter, to prepay the Series 1996A Bonds due on or after February 1, 2007 at a price of par plus accrued interest. Due to the short maturity schedule for the Series 1996B Bonds, the Series 1996B Bonds will not be callable in advance of their stated maturity dates. The City is currently rate "Baal" by Moody's Investors Service. These issues require a rating application to assure continuation of the rating. The City does not expect to issue more than $10,000,000 of tax-exempt obligations in 1996 and therefore these issues will be bank qualified. This will mean lower interest rates for the City than if the bonds were not bank qualified. City of Elk River, Minnesota May 6, 1996 7. Arbitrage Rebate Requirements 8. Bona Fide Debt Service Fund 9. Economic Life 10. Federal Reimbursement Regulations 11. Continuing Disclosure The bonds are subject to the federal arbitrage requirements. However, the City does not expect to issue more than $5,000,000 of tax-exempt debt in 1996. Therefore, the City will be exempt from reporting and rebating arbitrage earnings to the federal government as a small issuer. Springsted provides arbitrage rebate services under separate contract, copies of which have been provided to your staff. A summary of the arbitrage rules has been provided to your staff for informational purposes. The City must maintain a bona fide debt service fund for each of the issues or be subject to yield restriction. See the summary of arbitrage rules for an explanation. The average life of the bonds cannot exceed 120% of the economic life of the projects to be financed. The economic life of the wastewater treatment plant is 40 to 50 years, and the economic life of the street improvements is 20 years. The bonds are therefore within the economic life requirements. Federal reimbursement regulations require the City to make a declaration, within 60 days of the actual payment, of its intent to reimburse itself from expenses paid prior to the receipt of bond proceeds. It is our understanding the City has taken whatever actions are necessary to comply with the federal reimbursement regulations. These issues are the City's first issues subject to the new continuing disclosure requirements. The new SEC rules require the City to undertake an annual update of its Official Statement information and report any material events to the national repositories. Springsted provides continuing disclosure services under separate contract, copies of which have been provided to your staff. ^ summary of the SEC's continuing disclosure requirements has been provided to your staff for informational purposes. Page 2 City of Elk River, Minnesota May 8, 1996 DISCUSSION General Obligation Sewer Revenue Bonds, Series 1996A The proceeds of the Series 1996A Bonds, along with a $1,000,000 cash contribution from the City's Sewer Utility Fund, will be used to finance construction of a wastewater treatment plant. Construction is expected to begin in spring 1996 and be completed by fall 1997. The principal amount of $2,655,000 includes: Construction Costs Engineering Contingency $ 3,293,000 197,000 100,000 Subtotal Less: City Cash Contribution Plus: Costs of Issuance Allowance for Discount Bidding Less: Investment Earnings $ 3,590,000 (1 ,ooo,ooo) 27,434 39,825 (2.259) Total Series 1996A Bond Issue $ 2.655.O00 The first interest payment is due February 1, 1997. Principal is due each February 1, 1997 through 2016 as shown on page 5 of these recommendations. The City will repay the Series 1996A Bonds from net revenues of the City's Sewer Utility. General Obligation Improvement Bonds, Series 1996B The proceeds of the Series 1996B Bonds will be used to finance the Hillside Crossing II Project, including street and utility improvements within the City. The principal amount of $500,000 includes: Project Costs Less: Prepayments of Special Assessments* $ 596,000 (150,000) Subtotal $ 446,000 Plus: Capitalized Interest 39,500 Costs of Issuance 12,285 Allowance for Discount Bidding 6,000 Less: Investment Earnings (3,785) Total Series 1996B Bond Issue $ 5oo.oo0 * Represents Developer's prepayment for one parcel Interest payments due through February 1, 1998 will be made from capitalized interest included in the Series 1996B Bonds. Principal is due each February 1, 1999 through 2004 as shown on page 6 of these recommendations. Assuming special assessments are collected as scheduled, the Series 1996B Bonds will be repaid solely from special assessments and the City will not need to make a tax levy for the repayment of the Series 1996B Bonds. The projection of special assessment income is shown on page 7 of these recommendations. Special assessments, totaling $465,000 of principal, are expected to filed on or before June 1, 1996. Assessments will be filed over a term of six years with equal annual payments of Page 3 City of Elk River, Minnesota May 8, 1996 principal with interest charged on the unpaid balance at a rate of approximately 1.5% over the net interest rate on the Series 1996B Bonds. Respectfully submitted, SPRI NGSTED I~ncorporated PJP Provided to Staff: a) Summary of Arbitrage Rules b) Summary of Continuing Disclosure Requirements c) Rebate and Continuing Disclosure Contracts Page 4 City of Elk River, Minnesota General Obligation Sewer Revenue Bonds Series 1996A Prepared May 8, 1996 By SPRINGSTED Incorporated Dated: 7- 1-1996 Mature: 2- 1 First Interest: 2- 1-1997 Year of Year of Revenue Mat. Principai Rates (1) (2) (3) (4) Total Principal Interest & Interest (5) (6) 1996 1997 135,000 4.50% 1997 1998 80~000 4.60% 1998 1999 85,000 4.75% 1999 2000 90,000 4.90% 2000 2001 95,000 4.95% 2001 2002 95,000 5.05% 2002 2003 100,000 5.15% 2003 2004 110~000 5.20% 2004 2005 115~000 5.25% 2005 2006 120,000 5.35% 2006 2007 125~000 5.55% 2007 2008 130,000 5.60% 2008 2009 140,000 5.70% 2009 2010 150~000 5.80% 2010 2011 155,000 5.90% 2011 2012 165,000 5.95% 2012 2013 175~000 6.05% 2013 2014 185,000 6.05% 2014 2015 195,000 6.10% 2015 2016 210~000 6.15% 86,032 221,032 141,409 221,409 137,729 222,729 133,691 223,691 129,281 224,281 124,578 219,578 119,780 219,780 114,630 224,630 108,910 223,910 102,872 222,872 96~452 221,452 89,514 219,514 82,234 222,234 74~254 224~254 65,554 220,554 56,409 221,409 46~591 221~591 36,003 221,003 24,810 219,810 12~915 222~915 TOTALS: 2,655,000 1,783,648 4,438,648 Bond Years: 30,693.75 Avg. Maturity: 11.56 Avg. Annual Rate: 5.811% T.I.C. Rate: 5.961% Annual Interest: Plus Discount: Net Interest: N.I.C. Rate: 1,783~648 39,825 1,823,473 5.941% Interest rates are estimates; changes may cause significant alterations of this schedule. The actual underwriter's discount bid may also vary. Page 5 City of Elk River, Minnesota General Obligation Improvement Bonds Series 1996B Dated: 7- 1-1996 Mature: 2- 1 First Interest: 2- 1-1997 SCHEDULE nst Total Capital- Net Year of Year of Principal 1zed Levy Levy Mat. Principal Rates Interest & Interest Interest Required (1) (2) (3) (4) (5) (6) (7) (8) 1995 1997 0 0.00% 14,503 14,503 14,600 0 1996 1998 0 0.00% 24,862 24,862 24,900 0 1997 1999 125,000 4.75% 24,862 149,862 0 149,862 1998 2000 80,000 4.90~ 18,924 98,924 0 98,924 1999 2001 75~000 4.95% 15,004 90,004 0 90,004 2000 2002 75,000 5.05% 11,291 86,291 0 86,291 2001 2003 75,000 5.15% 7,503 82,503 0 82,503 2002 2004 70,000 5.20~ 3,640 73,640 0 73,640 TOTALS: 500,000 120,589 620~589 39,500 581,224 Prepared May 8, 1996 By SPRINGSTED Incorporated Projected Total 105% Assessaent Net of Total Incoae Requirement (9) (10) (11) Annual Surplus (12) 0 0 0 97 0 0 0 38 157,355 158~678 0 1,323 103,870 103,656 214 0 94,504 98,425 0 3,921 90,606 93,194 0 2,588 86,628 87,963 0 1,335 77,322 82,731 0 5,409 610,285 624,647 214 Bond Years: 2,396.67 Annual Interest: 120,589 Avg. Maturity: 4.79 Plus Discount: 6,000 Avg. Annual Rate: 5.032~ Net Interest: 126~589 T.I.C. Rate: 5.314% N.I.C. Rate: 5.282~ Interest rates are estlaates; changes say cause significant alterations of this schedule. The actual unde~wrtter's discount bid may also vary. City of Elk River, General Obligation Minnesota Iaproveaent Bonds PROJECTED ASSESSMENT INCOME Prepared May 8, 1996 By SPRINGSTED Incorporated Filing Collect Year Year 1997 1998 1998 1999 1999 2000 2000 2001 2001 2002 2002 2003 TOTALS Filing Date: 6/ 1/1996 Interest Principal @ 6.750% Total 77,500 81,178a 158,678 77,500 26,156 103,656 77,500 20,925 98,425 77,500 15,694 93,194 77,500 10,463 87,963 77,500 5,231 82,731 465,000 159,647 624,647 a) Includes interest froa filing date to 12/31/1998. Page 7 THE CITY HAS AUTHORIZED SPRINGSTED INCORPORATED TO NEGOTIATE THIS ISSUE ON ITS BEHALF. PROPOSALS WILL BE RECEIVED ON THE FOLLOWING BASIS: TERMS OFPROPOSAL $2,655,000 CITY OF ELK RIVER, MINNESOTA GENERAL OBLIGATION SEWER REVENUE BONDS, SERIES 1996A (BOOK ENTRY ONLY) Proposals for the Bonds will be received on Monday, June 3, 1996, until 11:30 A.M., Central Time, at the offices of Springsted Incorporated, 85 East Seventh Place, Suite 100, Saint Paul, Minnesota, after which time they will be opened and tabulated. Consideration for award of the Bonds will be by the City Council at 6:00 P.M., Central Time, of the same day. SUBMISSION OFPROPOSALS Proposals may be submitted in a sealed envelope or by fax (612) 223-3002 to Springsted. Signed Proposals, without final price or coupons, may be submitted to Springsted prior to the time of sale. The bidder shall be responsible for submitting to Springsted the final Proposal price and coupons, by telephone (612) 223-3000 or fax (612) 223-3002 for inclusion in the submitted Proposal. Springsted will assume no liability for the inability of the bidder to reach Springsted prior to the time of sale specified above. Proposals may also be filed electronically via PARITY, in accordance with PARITY Rules of Participation and the Terms of Proposal, within a one-hour period prior to the time of sale established above, but no Proposals will be received after that time. If provisions in the Terms of Proposal conflict with the PARITY Rules of Participation, the Terms of Proposal shall control. The normal fee for use of PARITY may be obtained from PARITY and such fee shall be the responsibility of the bidder. For further information about PARITY, potential bidders may contact PARITY at 100 116th Avenue SE, Suite 100, Bellevue, Washington 98004, telephone (206) 635-3545. Neither the City nor Springsted Incorporated assumes any liability if there is a malfunction of PARITY. All bidders are advised that each Proposal shall be deemed to constitute a contract between the bidder and the City to purchase the Bonds regardless of the manner of the Proposal submitted. DETAILS OF THE BONDS The Bonds will be dated July 1, 1996, as the date of original issue, and will bear interest payable on February I and August 1 of each year, commencing February 1, 1997. Interest will be computed on the basis of a 360-day year of twelve 30-day months. The Bonds will mature February 1 in the years and amounts as follows: 1997 $135,000 2002 $ 95,000 2007 $125,000 2012 $165,000 1998 $ 80,000 2003 $100,000 2008 $130,000 2013 $175,000 1999 $ 85,000 2004 $110,000 2009 $140,000 2014 $185,000 2000 $ 90,000 2005 $115,000 2010 $150,000 2015 $195,000 2001 $ 95,000 2006 $120,000 2011 $155,000 2016 $210,000 BOOK ENTRY SYSTEM The Bonds will be issued by means of a book entry system with no physical distribution of Bonds made to the public. The Bonds will be issued in fully registered form and one Bond, Page 8 representing the aggregate principal amount of the Bonds maturing in each year, will be registered in the name of Cede & Co. as nominee of The Depository Trust Company ("DTC"), New York, New York, which will act as securities depository of the Bonds. Individual purchases of the Bonds may be made in the principal amount of $5,000 or any multiple thereof of a single maturity through book entries made on the books and records of DTC and its participants. Principal and interest are payable by the registrar to DTC or its nominee as registered owner of the Bonds. Transfer of principal and interest payments to participants of DTC will be the responsibility of DTC; transfer of principal and interest payments to beneficial owners by participants will be the responsibility of such participants and other nominees of beneficial owners. The purchaser, as a condition of delivery of the Bonds, will be required to deposit the Bonds with DTC. REGISTRAR The City will name the registrar which shall be subject to applicable SEC regulations. The City will pay for the services of the registrar. OPTIONAL REDEMPTION The City may elect on February 1, 2006, and on any day thereafter, to prepay Bonds due on or after February 1, 2007. Redemption may be in whole or in part and if in part at the option of the City and in such manner as the City shall determine. If less than all Bonds of a maturity are called for redemption, the City will notify DTC of the particular amount of such maturity to be prepaid. DTC will determine by lot the amount of each participant's interest in such maturity to be redeemed and each participant will then select by lot the beneficial ownership interests in such maturity to be redeemed. All prepayments shall be at a price of par plus accrued interest. SECURITY AND PURPOSE The Bonds will be general obligations of the City for which the City will pledge its full faith and credit and power to levy direct general ad valorem taxes. In addition the City will pledge net revenues of the City's sewer utility. The proceeds will be used for construction of a waste water plant. TYPE OF PROPOSALS Proposals shall be for not less than $2,615,175 and accrued interest on the total principal amount of the Bonds. Proposals shall be accompanied by a Good Faith Deposit ("Deposit") in the form of a certified or cashier's check or a Financial Surety Bond in the amount of $26,550, payable to the order of the City. If a check is used, it must accompany each proposal. If a Financial Surety Bond is used, it must be from an insurance company licensed to issue such a bond in the State of Minnesota, and preapproved by the City. Such bond must be submitted to Springsted Incorporated prior to the opening of the proposals. The Financial Surety Bond must identify each underwriter whose Deposit is guaranteed by such Financial Surety Bond. If the Bonds are awarded to an underwriter using a Financial Surety Bond, then that purchaser is required to submit its Deposit to Springsted Incorporated in the form of a certified or cashier's check or wire transfer as instructed by Springsted Incorporated not later than 3:30 P.M., Central Time, on the next business day following the award. If such Deposit is not received by that time, the Financial Surety Bond may be drawn by the City to satisfy the Deposit requirement. The City will deposit the check of the purchaser, the amount of which will be deducted at settlement and no interest will accrue to the purchaser. In the event the purchaser fails to comply with the accepted proposal, said amount will be retained by the City. No proposal can be withdrawn or amended after the time set for receiving proposals unless the meeting of the City scheduled for award of the Bonds is adjourned, recessed, or continued to another date without award of the Bonds having been made. Rates shall be in integral multiples of 5/100 or 1/8 of 1%. Rates must be in ascending order. Bonds of the same maturity shall bear a single rate from the date of the Bonds to the date of maturity. No conditional proposals will be accepted. Page 9 AWARD The Bonds will be awarded on the basis of the lowest interest rate to be determined on a true interest cost (TIC) basis. The City's computation of the interest rate of each proposal, in accordance with customary practice, will be controlling. The City will reserve the right to: (i) waive non-substantive informalities of any proposal or of matters relating to the receipt of proposals and award of the Bonds, (ii) reject all proposals without cause, and, (iii) reject any proposal which the City determines to have failed to comply with the terms herein. BOND INSURANCE AT PURCHASER'S OPTION If the Bonds qualify for issuance of any policy of municipal bond insurance or commitment therefor at the option of the underwriter, the purchase of any such insurance policy or the issuance of any such commitment shall be at the sole option and expense of the purchaser of the Bonds. Any increased costs of issuance of the Bonds resulting from such purchase of insurance shall be paid by the purchaser, except that, if the City has requested and received a rating on the Bonds from a rating agency, the City will pay that rating fee. Any other rating agency fees shall be the responsibility of the purchaser. Failure of the municipal bond insurer to issue the policy after Bonds have been awarded to the purchaser shall not constitute cause for failure or refusal by the purchaser to accept delivery on the Bonds. CUSIP NUMBERS If the Bonds qualify for assignment of CUSIP numbers such numbers will be printed on the Bonds, but neither the failure to print such numbers on any Bond nor any error with respect thereto will constitute cause for failure or refusal by the purchaser to accept delivery of the Bonds. The CUSIP Service Bureau charge for the assignment of CUSIP identification numbers shall be paid by the purchaser. SETTLEMENT Within 40 days following the date of their award, the Bonds will be delivered without cost to the purchaser at a place mutually satisfactory to the City and the purchaser. Delivery will be subject to receipt by the purchaser of an approving legal opinion of Briggs and Morgan, Professional Association, of Saint Paul and Minneapolis, Minnesota, and of customary closing papers, including a no-litigation certificate. On the date of settlement payment for the Bonds shall be made in federal, or equivalent, funds which shall be received at the offices of the City or its designee not later than 12:00 Noon, Central Time. Except as compliance with the terms of payment for the Bonds shall have been made impossible by action of the City, or its agents, the purchaser shall be liable to the City for any loss suffered by the City by reason of the purchaser's non-compliance with said terms for payment. CONTINUING DISCLOSURE On the date of the actual issuance and delivery of the Bonds, the City will execute and deliver a Continuing Disclosure Undertaking whereunder the City will covenant to provide, or cause to be provided, annual financial information, including audited financial statements of the City, and notices of certain material events, as specified in and required by SEC Rule 15c2-12(b)(5). OFFICIAL STATEMENT The City has authorized the preparation of an Official Statement containing pertinent information relative to the Bonds, and said Official Statement will serve as a nearly-final Official Statement within the meaning of Rule 15c2-12 of the Securities and Exchange Commission. Page 10 For copies of the Official Statement or for any additional information prior to sale, any prospective purchaser is referred to the Financial Advisor to the City, Springsted Incorporated, 85 East Seventh Place, Suite 100, Saint Paul, Minnesota 55101, telephone (612) 223-3000. The Official Statement, when further supplemented by an addendum or addenda specifying the maturity dates, principal amounts and interest rates of the Bonds, together with any other information required by law, shall constitute a "Final Official Statement" of the City with respect to the Bonds, as that term is defined in Rule 15c2-12. By awarding the Bonds to any underwriter or underwriting syndicate submitting a proposal therefor, the City agrees that, no more than seven business days after the date of such award, it shall provide without cost to the senior managing underwriter of the syndicate to which the Bonds are awarded 105 copies of the Official Statement and the addendum or addenda described above. The City designates the senior managing underwriter of the syndicate to which the Bonds are awarded as its agent for purposes of distributing copies of the Final Official Statement to each Participating Underwriter. Any underwriter delivering a proposal with respect to the Bonds agrees thereby that if its proposal is accepted by the City (i)it shall accept such designation and (ii)it shall enter into a contractual relationship with all Participating Underwriters of the Bonds for purposes of assuring the receipt by each such Participating Underwriter of the Final Official Statement. Dated May 13, 1996 BY ORDER OF THE CITY COUNCIL /si Patrick Klaers Administrator Page 11 THE CITY HAS AUTHORIZED SPRINGSTED INCORPORATED TO NEGOTIATE THIS ISSUE ON ITS BEHALF. PROPOSALS WILL BE RECEIVED ON THE FOLLOWING BASIS: TERMS OFPROPOSAL $500,000 CITY OF ELK RIVER, MINNESOTA GENERAL OBLIGATION IMPROVEMENT BONDS, SERIES 1996B (BOOK ENTRY ONLY) Proposals for the Bonds will be received on Monday, June 3, 1996, until 11:30A.M., Central Time, at the offices of Springsted Incorporated, 85 East Seventh Place, Suite 100, Saint Paul, Minnesota, after which time they will be opened and tabulated. Consideration for award of the Bonds will be by the City Council at 6:00 P.M., Central Time, of the same day. SUBMISSION OF PROPOSALS Proposals may be submitted in a sealed envelope or by fax (612) 223-3002 to Springsted. Signed Proposals, without final price or coupons, may be submitted to Springsted prior to the time of sale. The bidder shall be responsible for submitting to Springsted the final Proposal price and coupons, by telephone (612) 223-3000 or fax (612) 223-3002 for inclusion in the submitted Proposal. Springsted will assume no liability for the inability of the bidder to reach Springsted prior to the time of sale specified above. Proposals may also be filed electronically via PARITY, in accordance with PARITY Rules of Participation and the Terms of Proposal, within a one-hour period prior to the time of sale established above, but no Proposals will be received after that time. If provisions in the Terms of Proposal conflict with the PARITY Rules of Participation, the Terms of Proposal shall control. The normal fee for use of PARITY may be obtained from PARITY and such fee shall be the responsibility of the bidder. For further information about PARITY, potential bidders may contact PARITY at 100 116th Avenue SE, Suite 100, Bellevue, Washington 98004, telephone (206) 635-3545. Neither the City nor Springsted Incorporated assumes any liability if there is a malfunction of PARITY. All bidders are advised that each Proposal shall be deemed to constitute a contract between the bidder and the City to purchase the Bonds regardless of the manner of the Proposal submitted. DETAILS OF THE BONDS The Bonds will be dated July 1, 1996, as the date of original issue, and will bear interest payable on February 1 and August 1 of each year, commencing February 1, 1997. Interest will be computed on the basis of a 360-day year of twelve 30-day months. The Bonds will mature February 1 in the years and amounts as follows: 1999 $125,000 2001 $75,000 2003 $75,000 2000 $ 80,000 2002 $75,000 2004 $70,000 BOOK ENTRY SYSTEM The Bonds will be issued by means of a book entry system with no physical distribution of Bonds made to the public. The Bonds will be issued in fully registered form and one Bond, representing the aggregate principal amount of the Bonds maturing in each year, will be registered in the name of Cede & Co. as nominee of The Depository Trust Company ("DTC"), New York, New York, which will act as securities depository of the Bonds. Individual purchases of the Bonds may be made in the principal amount of $5,000 or any multiple thereof of a single Page 12 maturity through book entries made on the books and records of DTC and its participants. Principal and interest are payable by the registrar to DTC or its nominee as registered owner of the Bonds. Transfer of principal and interest payments to participants of DTC will be the responsibility of DTC; transfer of principal and interest payments to beneficial owners by participants will be the responsibility of such participants and other nominees of beneficial owners. The purchaser, as a condition of delivery of the Bonds, will be required to deposit the Bonds with DTC. REGISTRAR The City will name the registrar which shall be subject to applicable SEC regulations. will pay for the services of the registrar. OPTIONAL REDEMPTION The City The Bonds will not be subject to payment in advance of their respective stated maturity dates. SECURITY AND PURPOSE The Bonds will be general obligations of the City for which the City will pledge its full faith and credit and power to levy direct general ad valorem taxes. In addition the City will pledge special assessments against benefited property. The proceeds will be used for street improvements in the City. TYPE Of PROPOSALS Proposals shall be for not less than $494,000 and accrued interest on the total principal amount of the Bonds. Proposals shall be accompanied by a Good Faith Deposit ("Deposit") in the form of a certified or cashier's check or a Financial Surety Bond in the amount of $5,000, payable to the order of the City. If a check is used, it must accompany each proposal. If a Financial Surety Bond is used, it must be from an insurance company licensed to issue such a bond in the State of Minnesota, and preapproved by the City. Such bond must be submitted to Springsted Incorporated prior to the opening of the proposals. The Financial Surety Bond must identify each underwriter whose Deposit is guaranteed by such Financial Surety Bond. If the Bonds are awarded to an underwriter using a Financial Surety Bond, then that purchaser is required to submit its Deposit to Springsted Incorporated in the form of a certified or cashier's check or wire transfer as instructed by Springsted Incorporated not later than 3:30 P.M., Central Time, on the next business day following the award. If such Deposit is not received by that time, the Financial Surety Bond may be drawn by the City to satisfy the Deposit requirement. The City will deposit the check of the purchaser, the amount of which will be deducted at settlement and no interest will accrue to the purchaser. In the event the purchaser fails to comply with the accepted proposal, said amount will be retained by the City. No proposal can be withdrawn or amended after the time set for receiving proposals unless the meeting of the City scheduled for award of the Bonds is adjourned, recessed, or continued to another date without award of the Bonds having been made. Rates shall be in integral multiples of 51100 or 1/8 of 1% Rates must be in ascending order.. Bonds of the same maturity shall bear a single rate from the date of the Bonds to the date of maturity. No conditional proposals will be accepted. AWARD The Bonds will be awarded on the basis of the lowest interest rate to be determined on a true interest cost (TIC) basis. The City's computation of the interest rate of each proposal, in accordance with customary practice, will be controlling. The City will reserve the right to: (i) waive non-substantive informalities of any proposal or of matters relating to the receipt of proposals and award of the Bonds, (ii) reject all proposals without cause, and, (iii) reject any proposal which the City determines to have failed to comply with the terms herein. Page 13 CUSIP NUMBERS If the Bonds qualify for assignment of CUSIP numbers such numbers will be printed on the Bonds, but neither the failure to print such numbers on any Bond nor any error with respect thereto will constitute cause for failure or refusal by the purchaser to accept delivery of the Bonds. The CUSIP Service Bureau charge for the assignment of CUSIP identification numbers shall be paid by the purchaser. SETTLEMENT Within 40 days following the date of their award, the Bonds will be delivered without cost to the purchaser at a place mutually satisfactory to the City and the purchaser. Delivery will be subject to receipt by the purchaser of an approving legal opinion of Briggs and Morgan, Professional Association, of Saint Paul and Minneapolis, Minnesota, and of customary closing papers, including a no-litigation certificate. On the date of settlement payment for the Bonds shall be made in federal, or equivalent, funds which shall be received at the offices of the City or its designee not later than 12:00 Noon, Central Time. Except as compliance with the terms of payment for the Bonds shall have been made impossible by action of the City, or its agents, the purchaser shall be liable to the City for any loss suffered by the City by reason of the purchaser's non-compliance with said terms for payment. CONTINUING DISCLOSURE On the date of the actual issuance and delivery of the Bonds, the City will execute and deliver a Continuing Disclosure Undertaking whereunder the City will covenant to provide, or cause to be provided, annual financial information, including audited financial statements of the City, and notices of certain material events, as specified in and required by SEC Rule 15c2-12(b)(5). OFFICIAL STATEMENT The City has authorized the preparation of an Official Statement containing pertinent information relative to the Bonds, and said Official Statement will serve as a nearly-final Official Statement within the meaning of Rule 15c2-12 of the Securities and Exchange Commission. For copies of the Official Statement or for any additional information prior to sale, any prospective purchaser is referred to the Financial Advisor to the City, Springsted Incorporated, 85 East Seventh Place, Suite 100, Saint Paul, Minnesota 55101, telephone (612) 223-3000. The Official Statement, when further supplemented by an addendum or addenda specifying the maturity dates, principal amounts and interest rates of the Bonds, together with any other information required by law, shall constitute a "Final Official Statement" of the City with respect to the Bonds, as that term is defined in Rule 15c2-12. By awarding the Bonds to any underwriter or underwriting syndicate submitting a proposal therefor, the City agrees that, no more than seven business days after the date of such award, it shall provide without cost to the senior managing underwriter of the syndicate to which the Bonds are awarded 20 copies of the Official Statement and the addendum or addenda described above. The City designates the senior managing underwriter of the syndicate to which the Bonds are awarded as its agent for purposes of distributing copies of the Final Official Statement to each Participating Underwriter. Any underwriter delivering a proposal with respect to the Bonds agrees thereby that if its proposal is accepted by the City (i) it shall accept such designation and (ii)it shall enter into a contractual relationship with all Participating Underwriters of the Bonds for purposes of assuring the receipt by each such Participating Underwriter of the Final Official Statement. Dated May 13, 1996 BY ORDER OF THE CITY COUNCIL /si Patrick Klaers Administrator Page 14