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HomeMy WebLinkAboutItem 06.jDate June 18, 2012 Item RESOLUTION AUTHORIZING ISSUANCE AND SALE OF $23,635,000 GENERAL OBLIGATION REFUNDING BONDS, SERIES 2012B Proposed Action Staff recommends adoption of the following motion: Move to approve the Resolution Authorizing Issuance and Sale of $23.635 million of G.O. Improvement Bonds, Series 2012 B. Approval of the Resolution will result in the financing of the G.O. Improvement Bonds Series 2003 B and the G.O. Capital Improvement Bonds Series 2004 A. Overview The purpose of the 2012 B Bonds is to reduce future interest costs on two outstanding issues. The issuance of the 2012 B Bonds is being conducted as a "crossover" advance refunding in which the proceeds are placed in an escrow account and invested in government securities. These investments and their earnings are structured to pay interest on the 2012 B Bonds through the call dates of the two older bonds, at which time the escrow account will crossover and prepay the entire remaining principal of the two older bonds. After the call dates, the City will cross over and begin making debt service payments on the 2012 B Bonds, taking advantage of the lower interest rates. Primary Issues to Consider • Extent of cost savings. The refunding is projected to result in the City realizing interest cost savings as follows: Average Annual Savings 2003 B Street Reconstruction Bonds $ 93,580 2004 A Capital Improvement Bonds $ 94,000 Total Supporting Information • Sprjugsted` endations for Issuance of Bonds De e ler, Fina irector Net Future Net Present Value Benefit Value Benefit $ 1,125,045 $ 944,195 $ 1,413,050 $ 1,106,730 $ 2,538,095 $ 2,050,925 Financial Impact: See attached Budgeted: No Source: Taxes and Special Assessments Related Documents (CIP, ERP, etc.): Notes: CITY OF LAKEVILLE RESOLUTION Date: June 18, 2012 Resolution No. RESOLUTION AUTHORIZING ISSUANCE AND SALE OF $23,635,000 GENERAL OBLIGATION REFUNDING BONDS, SERIES 2012B BE IT RESOLVED by the City Council of the City of Lakeville, Minnesota (the City), as follows: SECTION 1. PURPOSE It is hereby determined to be in the best interests of the City to issue its General Obligation Refunding Bonds, Series 2012B, in the principal amount of $23,635,000 (the Bonds), pursuant to Minnesota Statutes, Chapter 475, to refund the 2015 -2026 maturities of the City's General Obligation Street Reconstruction Bonds, Series 2003A and the 2016 -2030 maturities of the City's General Obligation Capital Improvement Plan Bonds, Series 2004A. SECTION 2. TERMS OF PROPOSAL Springsted Incorporated, financial consultant to the City, has presented to this Council a form of Terms of Proposal for the Bonds which is attached hereto and hereby approved and shall be placed on file by the City Clerk. Each and all of the provisions of the Terms of Proposal are hereby adopted as the terms and conditions of the Bonds and of the sale thereof. Springsted Incorporated is hereby authorized, pursuant to Minnesota Statutes, Section 475.60, Subdivision 2, paragraph (9), to solicit proposals for the Bonds on behalf of the City on a competitive basis without requirement of published notice. SECTION 3. SALE MEETING This Council shall meet at the time and place shown in the Terms of Proposal, for the purpose of considering proposals for the purchase of the Bonds and of taking such action thereon as may be in the best interests of the City. APPROVED AND ADOPTED this 18 day of June, 2012. CITY OF LAKEVILLE, IN Mark Bellows, Mayor ATTEST: Charlene Friedges, City Clerk THE CITY HAS AUTHORIZED SPRINGSTED INCORPORATED TO NEGOTIATE THIS ISSUE ON ITS BEHALF. PROPOSALS WILL BE RECEIVED ON THE FOLLOWING BASIS: TERMS OF PROPOSAL $23,635,000" CITY OF LAKEVILLE, MINNESOTA GENERAL OBLIGATION REFUNDING BONDS, SERIES 2012B (BOOK ENTRY ONLY) Proposals for the Bonds and the Good Faith Deposit ( "Deposit ") will be received on Monday, July 16, 2012, until 10:00 A.M., Central Time, at the offices of Springsted Incorporated, 380 Jackson Street, Suite 300, Saint Paul, Minnesota, after which time proposals will be opened and tabulated. Consideration for award of the Bonds will be by the City Council at 7:00 P.M., Central Time, of the same day. SUBMISSION OF PROPOSALS Springsted will assume no liability for the inability of the bidder to reach Springsted prior to the time of sale specified above. 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 in which the Proposal is submitted. (a) Sealed Bidding. Proposals may be submitted in a sealed envelope or by fax (651) 223 -3046 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 (651) 223 -3000 or fax (651) 223 -3046 for inclusion in the submitted Proposal. OR (b) Electronic B idding. Notice is hereby given that electronic proposals will be received via PARITT For purposes of the electronic bidding process, the time as maintained by PARITY shall constitute the official time with respect to all Bids submitted to PARITY Each bidder shall be solely responsible for making necessary arrangements to access PARITY for purposes of submitting its electronic Bid in a timely manner and in compliance with the requirements of the Terms of Proposal. Neither the City, its agents nor PARITY' shall have any duty or obligation to undertake registration to bid for any prospective bidder or to provide or ensure electronic access to any qualified prospective bidder, and neither the City, its agents nor PARITY shall be responsible for a bidder's failure to register to bid or for any failure in the proper operation of, or have any liability for any delays or interruptions of or any damages caused by the services of PARIT . The City is using the services of PARITY solely as a communication mechanism to conduct the electronic bidding for the Bonds, and PARITY is not an agent of the City. If any provisions of this Terms of Proposal conflict with information provided by PARITY this Terms of Proposal shall control. Further information about PARITY including any fee charged, may be obtained from: PARITY 1359 Broadway, 2n Floor, New York, New York 10018 Customer Support: (212) 849 -5000 Preliminary; subject to change. DETAILS OF THE BONDS The Bonds will be dated as the date of delivery, as the date of original issue, and will bear interest payable on February 1 and August 1 of each year, commencing August 1, 2013. 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: 2015 $ 830,000 2019 $1,480,000 2023 $1,735,000 2027 $1,095,000 2016 $1,455,000 2020 $1,540,000 2024 $1,815,000 2028 $1,165,000 2017 $1,400,000 2021 $1,600,000 2025 $1,890,000 2029 $1,240,000 2018 $1,435,000 2022 $1,660,000 2026 $1,980,000 2030 $1,325,000 The City reserves the right, after proposals are opened and prior to award, to increase or reduce the principal amount of the Bonds or the maturity amounts offered for sale. Any such increase or reduction will be made in multiples of $5,000 in any of the maturities. In the event the principal amount of the Bonds is increased or reduced, any premium offered or any discount taken by the successful bidder will be increased or reduced by a percentage equal to the percentage by which the principal amount of the Bonds is increased or reduced. Proposals for the Bonds may contain a maturity schedule providing for a combination of serial bonds and term bonds. All term bonds shall be subject to mandatory sinking fund redemption at a price of par plus accrued interest to the date of redemption and must conform to the maturity schedule set forth above. In order to designate term bonds, the proposal must specify "Years of Term Maturities" in the spaces provided on the Proposal Form. 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 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, 2022, and on any day thereafter, to prepay Bonds due on or after February 1, 2023. 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. The proceeds will be used to refund (i) the February 1, 2015 through February 1, 2026 maturities of the City's General Obligation Street Reconstruction Bonds, Series 2003A, dated March 15, 2003; and (ii) the February 1, 2016 through February 1, 2030 maturities of the City's General Obligation Capital Improvement Plan Bonds, Series 2004A, dated November 1, 2004. Proposals shall be for not less than $23,635,000 (Par) and accrued interest on the total principal amount of the Bonds. 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 are not required to be in level or ascending order; however, the rate for any maturity cannot be more than 1% lower than the highest rate of any of the preceding maturities. 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. GOOD FAITH DEPOSIT Proposals, regardless of method of submission, shall be accompanied by a Deposit in the amount of $236,350 in the form of a certified or cashier's check, a wire transfer, or Financial Surety Bond and delivered to Springsted Incorporated prior to the time proposals will be opened. Each bidder shall be solely responsible for the timely delivery of their Deposit whether by check, wire transfer or Financial Surety Bond. Neither the City nor Springsted Incorporated have any liability for delays in the transmission of the Deposit. Any Deposit made by certified or cashier's check should be made payable to the City and delivered to Springsted Incorporated, 380 Jackson Street, Suite 300, St. Paul, Minnesota 55101. Any Deposit sent via wire transfer should be sent to Springsted Incorporated as the City's agent according to the following instructions: Wells Fargo Bank, N.A., San Francisco, CA 94104 ABA #121000248 for credit to Springsted Incorporated, Account #635- 5007954 Ref: Lakeville, MN Series 2012B Good Faith Deposit Contemporaneously with such wire transfer, the bidder shall send an e-mail to bond services aaspringsted.com including the following information; (i) indication that a wire transfer has been made, (ii) the amount of the wire transfer, (iii) the issue to which it applies, and (iv) the return wire instructions if such bidder is not awarded the Bonds. Any Deposit made by the successful bidder by check or wire transfer will be delivered to the City following the award of the Bonds. Any Deposit made by check or wire transfer by an unsuccessful bidder will be returned to such bidder following City action relative to an award of the Bonds. 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 pre- approved 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 underwriter is required to submit its Deposit to the City 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 Deposit received from the purchaser, the amount of which will be deducted at settlement, will be deposited by the City 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. 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 that 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. 4110 11K ai 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 On or about August 15, 2012, the Bonds will be delivered without cost to the purchaser through DTC in New York, New York. Delivery will be subject to receipt by the purchaser of an approving legal opinion of Dorsey & Whitney LLP of 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 that shall be received at the offices of the City or its designee not later than 12:00 Noon, Central Time. Unless compliance with the terms of payment for the Bonds has 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. -iv - CONTINUING DISCLOSURE In accordance with SEC Rule 15c2- 12(b)(5), the City will undertake, pursuant to the resolution awarding sale of the Bonds, to provide annual reports and notices of certain events. A description of this undertaking is set forth in the Official Statement. The purchaser's obligation to purchase the Bonds will be conditioned upon receiving evidence of this undertaking at or prior to delivery of the Bonds. 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, 380 Jackson Street, Suite 300, Saint Paul, Minnesota 55101, telephone (651) 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 250 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 June 18, 2012 BY ORDER OF THE CITY COUNCIL /s/ Charlene Friedges City Clerk v- City of Lakeville, Minnesota Recommendations for Issuance of Bonds 6 0 � 0 v c$ ` cy lc� ��� Q � cg " 0 0 �, Q � , 0 �ti y ! ti 0 CPC ,O ,ti q . 1 2 1 1 ti 4 Prepared by Springsted Incorporated Dates " Sprinse The Council has under consideration the issuance of bonds to (i) fund various street improvement projects within the City and (ii) refund two outstanding general obligations of the City. This document provides information relative to the proposed issuances. KEY EVENTS: The following summary schedule includes the timing of some of the key events that will occur relative to the bond issuance. $6,805,000 General Obligation Improvement Bonds, Series 2012A $23,635, 000 General Obligation Refunding Bonds, Series 2072B June 18, 2012 Council sets sale date and terms July 9, 2012 (est.) Rating conferences are conducted July 16, 2012, 10:00 a.m. Competitive proposals are received July 16, 2012, 7:00 p.m. Council considers award of bonds August 15, 2012 (est.) Proceeds are received RATING: An application will be made to Moody's Investors Services for ratings on the Bonds. The City's general obligation debt is currently rated "Aal ". THE MARKET: Performance of the tax - exempt market is often measured by the Bond Buyer's Index ( "BBI ") which measures the yield of high grade municipal bonds in the 20th year for general obligation bonds (the BBI 20 Bond Index) and the 30th year for revenue bonds (the BBI 25 Bond Index). The following chart illustrates these two indices over the past five years. 6.5% - 6.0% - 5.5% 5.0% Ix 4.5% - 4A% - 3.5% BBI 26 -bond (Revenue) and 20 -bond (G.Q.) Rates for Years Ending 61712012 ° } 8+7!2012 25 bon d: 4.80% 20 bond:3.92% r. . , r ° s e ONIUMUM POST ISSUANCE The issuance of these bonds will result in post- issuance compliance responsibilities. The COMPLIANCE: responsibilities fie in two primary areas: i) compliance with federal arbitrage requirements and ii) compliance with secondary disclosure requirements. Federal arbitrage requirements include a wide range of implications that have been taken into account as your issue has been structured. Post - issuance compliance responsibilities for your tax - exempt issue include both rebate and yield restriction provisions of the IRS Code. In very general terms the arbitrage requirements control the earnings on unexpended bond proceeds, including investment earnings, moneys held for debt service payments (which are considered to be proceeds under the IRS regulations), and /or reserves. The City expects to meet the 18 -month expenditure exception from rebate for the 2012A Bonds. As the issuance of the 2012B Bonds is being conducted as an advance refunding, the City will not meet an expenditure exception for rebate. The proceeds of the 2012B Bonds will be invested in an escrow account until the call date of the refunded bonds. Arbitrage rules do not permit investment earnings on the escrow account to exceed the yield on the bonds; therefore, no excess arbitrage would be earned. Yield restriction provisions will apply to the debt service fund and any project proceeds unspent after three years under certain conditions. The funds should be monitored throughout the life of each issue. Secondary disclosure requirements result from an SEC requirement that underwriters provide ongoing disclosure information to investors. To meet this requirement, any prospective underwriter will require the City to commit to providing the information needed to comply under a continuing disclosure agreement. The City currently contracts with Springsted for these services. An amendment to include these issues will be sent to City staff. SUPPLEMENTAL Supplementary information will be available to staff including detailed terms and conditions INFORMATION AND of sale, comprehensive structuring schedules and information to assist in meeting post - BOND RECORD: issuance compliance responsibilities. Upon completion of the financing, bond records will be provided that contains pertinent documents and final debt service calculations for the transactions. $6,805,000 General Obligation Improvement Bonds, Series 2072A (the "2012A Bonds'l PURPOSE: Proceeds of the 2012A Bonds will be used to finance various street improvement projects within the City. AUTHORITY: The 2012A Bonds are being issued pursuant to Minnesota Statues, Chapters 429 and 475. SECURITY AND The 2012A Bonds are a general obligation of the City, secured by its full faith and credit SOURCE OF and taxing power. In addition to tax levies, the City will pledge special assessments PAYMENT: against benefited properties. Assessments in the total aggregate amount of $2,170,000 will be filed on or about January 1, 2013. The assessments will be collected over a term of 20 years with equal annual payments of principal. The interest rate charged on the unpaid balance of assessments is 3.5 %. pringste Page The City will be required to levy taxes to pay a portion of the debt service. The City will make their first levy for the 2012A Bonds in 2012 for collection in 2013. Each year's first - half collection of taxes and assessments will be used to pay the interest payment due August 1 in the year of collection. Second -half collections plus any taxes and assessments collected but not applied on August 1 will be used to pay the principal and interest payment due February 1 in the following year. STRUCTURING At the direction of the City, the 2012A Bonds have been structured with two components — SUMMARY: an assessed portion and a tax levy portion. The assessed portion has been structured around projected assessment income over a term of 20 years. The tax levy portion was structured over a term of 10 years with an average annual tax levy requirement of approximately $475,000 through levy year 2021. Thereafter, special assessment collections are estimated to fully fund annual debt service. SCHEDULES Schedules showing the sources and uses of funds, estimated debt service requirements ATTACHED: given the current interest rate environment, and assessment income are attached. RISKS /SPECIAL The outcome of this financing will rely on the market conditions at the time of the sale. Any CONSIDERATIONS: projections included herein are estimates based on current market conditions. SALE TERMS AND Variability of Issue Size A specific provision in the sale terms permits modifications to the MARKETING: issue size and /or maturity structure to customize the issue once the price and interest rates are set on the day of sale. Prepayment Provisions: Bonds maturing on or after February 1, 2023 may be prepaid at a price of par plus accrued interest on or after February 1, 2022. Bank Qualification: The City will issue more than $10 million in tax - exempt obligations in 2012; therefore, the 2012A Bonds are not designated as bank qualified. $23,635, 000 General Obligation Refunding Bonds (the "2012B Bonds ") PURPOSE: The purpose of the 2012B Bonds is to reduce future interest costs on two of the City's outstanding issues. Proceeds of the 2012B Bonds will be used to refund (!)the February 1, 2015 through February 1, 2026 maturities of the City's General Obligation Street Reconstruction Bonds, Series 2003A, dated March 15, 2003 (the "Street Reconstruction Bonds ") and (ii) the February 1, 2016 through February 1, 2030 maturities of the City's General Obligation Capital Improvement Plan Bonds, Series 2004A, dated November 1, 2004 (the "CIP Bonds "). The Street Reconstruction Bonds and the CIP Bonds are referred to collectively as the "Prior Bonds." The maturities of the Street Reconstruction Bonds to be refunded are currently outstanding in the aggregate principal amount of $11,415,000. The 2013 -2014 maturities of the Street Reconstruction Bonds are not callable and will not be refunded. The Street Reconstruction Bonds were originally issued to finance various street improvement projects within the City. The maturities of the CIP Bonds to be refunded are currently outstanding in the aggregate principal amount of $13,420,000. The 2013 -2015 maturities of the CIP Bonds are not rsngsted Page callable and will not be refunded. The CIP Bonds were originally issued to finance various capital improvement projects within the City. AUTHORITY: Statutory Authority The 2012B Bonds are being issued pursuant to Minnesota Statutes, Chapter 475, Section 475.58 (subd. 31b). Statutory Requirements Pursuant to Minnesota Statues, Chapter 475.521, the maximum calendar year debt service on all outstanding bonds issued under a capital improvement plan, including the proposed issue, cannot exceed an amount equal to 0.16% of the taxable market value of the property within the City for taxes payable in the year the bonds are issued or sold. The City currently has one other existing CIP Bond, the $11,115,000 General Obligation Capital Improvement Plan Bonds, Series 2007D. The maximum calendar year debt service on the City's CIP debt, including the portion of this issue being used to refund the CIP Bonds, is estimated to be $2,377,825, which is below the maximum annual debt service limitation of $8,048,005 as summarized below. Market Value for Statutory Principal Statutory Taxes Payable in & Interest Maximum Principal 2012 Limitation & Interest $5,030,003,164 0.16% $8,048,005 The City must also have a five -year Capital Improvement Plan and comply with the public hearing requirements outlined in MS 475.521. The City has complied with the requirements. SECURITY AND The 2012B Bonds are a general obligation of the City, secured by its full faith and credit SOURCE OF and taxing power. In addition to tax levies, the City will pay a portion of the debt service PAYMENT: allocated to the Street Reconstruction Bonds with special assessments against benefited properties. The issuance of the 2012B Bonds is being conducted as a "crossover" advance refunding in which the proceeds of the 2012B Bonds are placed in an escrow account with a major bank and invested in government securities. These investments and their earnings are structured to pay interest on the 2012B Bonds through the call dates of each of the Prior Bonds, at which time the escrow account will crossover and prepay the entire remaining principal of the Prior Bonds. The City will continue to pay the originally scheduled debt service payments on the Prior Bonds through their respective call dates. After the call dates, the City will cross over and begin making debt service payments on the 2012B Bonds, taking advantage of the lower interest rates. The City will make its first levy for the portion of the 20126 Bonds relative to the Street Reconstruction Bonds in 2013 for collection in 2014. The City will make its first levy for the portion of the 2012B Bonds relative to the CIP Bonds in 2014 for collection in 2015. Each year's first -half collection of taxes will be used to pay the interest payment due August 1 in the year of collection. Second -half collections plus any taxes collected but not applied on August 1 will be used to pay the principal and interest payment due February 1 in the following year. pringsted Page STRUCTURING SUMMARY: SCHEDULES ATTACHED: RISKS /SPECIAL CONSIDERATIONS: As directed by the City, the 2012B Bonds have been structured to provide for approximately even annual savings with a term matching that of the Prior Bonds. Based on interest rate estimates as of the date of these Recommendations, the refunding is projected to result in the City realizing interest cost savings for each of the Prior Bonds as described below: Average Annual Net Future Net Present Savings Value Benefit Value Benefit Street Reconstruction Bonds $93,580 $1,125,045 $944,195 CIP Bonds $94,000 $1,413,050 $1,106,730 Total $2,538,095 $2,050,925 Savings results are shown net of all estimated financing costs. Schedules showing the preliminary feasibility summary, debt service and the estimated savings resulting from the refundings, given the current interest rate environment, are attached. The outcome of this financing will rely on the market conditions at the time of the sale. Any projections included herein are estimates based on current market conditions. SALE TERMS AND Bidding Parameters The 2012B Bonds have been structured assuming a premium bid, MARKETING: whereas the 2012B Bonds are being offered with a minimum bid requirement of par. The estimated amount of premium generated will compensate the underwriter and fund a portion of the escrow fund. Variability of Issue Size A specific provision in the sale terms permits modifications to the issue size and /or maturity structure to customize the issue once the price and interest rates are set on the day of sale. Prepayment Provisions: Bonds maturing on or after February 1, 2023 may be prepaid at a price of par plus accrued interest on or after February 1, 2022. Bank Qualification: The City will issue more than $10 million in tax - exempt obligations in 2012; therefore, the 2012B Bonds are not designated as bank qualified. Springsted Page $6,805,000 City of Lakeville, Minnesota General Obligation Improvement Bonds, Series 2012A Issue Summary T otal I ssue Sources And Uses Dated 08/15/2012 1 Delivered 08115/2012 Assessed Portion Sources Of Funds Par Anpunt of Bonds ........ ...... ........ $2,710,000.00 Levy Portion $4,095,000.00 Issue Summary $6,805,000.00 Total Sources.._ .......................... ............................... $2,710,000.00 $4,095,000.00 $6,805,000.00 Uses Of Funds Deposit to Project Construction Fund. .........__.__.._. 2556,243.00 4,013,482.00 6.669,725 00 Total Underwriter's Discount (1.200%) ....................... 32,520.00 49,140.00 81,660.00 Costs of Issuance _._. _.._... _....... 19,613.15 29,636.85 49,250.00 Rounding Amount __. _.. ...__ __. _. 1,623.85 2,741.15 4,365.00 Total 2012,1 SI— I li- -,nvvvl AII.SI -11 1 6/ 7/202 1 821 AM $2,710,000.00 $4,095,000.00 $6,805,000.00 Springsted 111M. $6,805,000 City of Lakeville, Minnesota General Obligation Improvement Bonds, Series 2012A Issue Summary NET DEBT SERVICE SCHEDULE Date Principal Coupon Interest FirstCoupon Dale. ..__.__.._. ...._..._......_ .. ._..... ,......................................................................... Total P +I Yield Statis tics 105% of Total Assessment Levy Required 02101/2013 ---- .,.,......................... 7.897 Years - - NetInterest Cost ( NIC)._......._.__.....__.____ ............. _. ... ,........................................ - TrueInterest Cost (TIC).._ ............ . ....... . ...... . ............ ..... ... ....................................................... ...... ,... ,....................... .. 2.2545703% BondYield for Arbitrage Purposes__..._ ........ -- ...... .._. .............................. ..................._......._......_ - All Inclusive Cost ( AIC)____..._._..........__._..__ ............._....................___................_........_......_.., ..._........._....._.._..._.... 2.3578031% IRS Form 8038 02101/2014 505,000.00 ,.................................................. .._....._ 2.1250048% 0.550% 163,732.12 668,732.12 702,168.73 230,350.00 471,818.73 02/01/2015 550,000.00 0.650% 109,282.50 659,282.50 692,246.63 225,607.50 466,639,13 02/01/2016 550,000.00 0.800% 105,707.50 655,707.50 688,492.88 220,865.00 467,627.88 02101/2017 555,000.00 1.000% 101,307.50 656,307.50 689,122.88 216,122.50 473,000.38 02101/2018 550,000.00 1.200% 95,757.50 645,757.50 678,045.38 211,380.00 466,665.38 02/01/2019 550,000.00 1.400% 89,157.50 639,157.50 671,115.38 206,637.50 464,477.88 02/0112020 555,000.00 1.650% 81,457.50 636,457.50 668,280.38 201,895.00 466,385.38 02/0112021 565,000.00 1.850% 72,300.00 637,300.00 669,165.00 197,152.50 472,012.50 02/01/2022 565,000.00 2.050% 61,847.50 626,847.50 658,189.88 192,410.00 465,779.88 02/01/2023 575,000.00 2.250% 50,265.00 625,265.00 656,52825 187,667.50 468,860.75 02/01/2024 135,000.00 2.450% 37,327.50 172,327.50 180,943.88 182,925.00 (1,981.13) 02101/2025 130,000.00 2.650% 34020.00 164,020.00 172,221.00 178,182.50 (5,961.50) 02/01/2026 130,000.00 2.750% 30,575.00 160,575.00 168,603.75 173,440.00 (4,836.25) 02/01/2027 130,000.00 2.850% 27000.00 157,000.00 164,850.00 168,697.50 (3,847.50) 02/01/2028 130,000.00 2.900% 23,295.00 153,295.00 160,959.75 163,955,00 (2995.25) 02/01/2029 130,000.00 3.000% 19,525.00 149,525.00 157,001.25 159,212.50 (2211.25) 02101/2030 125,000.00 3.050% 15,625.00 140,625.00 147,656.25 154,470.00 (6813.75) 02/01/2031 125,000.00 3.100% 11,812.50 136,812.50 143,653.13 149,727.50 (6,074.38) 02101/2032 125.000.00 3.150% 7,937.50 132,937.50 139,584.38 144,985.00 (5400.63) 02101/2033 125,000.00 3.200% 4,000.00 129,000.00 135,450.00 140,242.50 (4,792.50) Total $6,805,000.00 - $1,141,932.12 $7,946,932.12 $8,344,27873 $3,705,925.00 $4,638,353.73 Dated_....__.___. __ ........... ..._.............. ... .--- ............................................... ,..... ..........__.. 8/15/2012 DeliveryDate.,___. ......_._.._ ..... ........... ......... ..................................... _..,..___... 8/15/2012 FirstCoupon Dale. ..__.__.._. ...._..._......_ .. ._..... ,......................................................................... .._......__..... 810112013 Yield Statis tics BondYear Dollars ... ...............___...... _._.._............ _._..,....._.......................................... ,.... ,...................................... ........ $53,737.86 AverageLife ..___. ......._..._.._ . .......................................... ---- .,.,......................... 7.897 Years AverageCoupon........__.__._.... ........... _--- ...... ......... _...___. ............................ ........................ ,............................... --- .... .... 2.1250048% NetInterest Cost ( NIC)._......._.__.....__.____ ............. _. ... ,........................................ ,...................................................... ...... 22769647% TrueInterest Cost (TIC).._ ............ . ....... . ...... . ............ ..... ... ....................................................... ...... ,... ,....................... .. 2.2545703% BondYield for Arbitrage Purposes__..._ ........ -- ...... .._. .............................. ..................._......._......_ _._..___....................... 2.0858347% All Inclusive Cost ( AIC)____..._._..........__._..__ ............._....................___................_........_......_.., ..._........._....._.._..._.... 2.3578031% IRS Form 8038 NetInterest Cost. ,.... ...... _..._.___..._ ............... ---- .............................................. ,.................................................. .._....._ 2.1250048% WeightedAverage Nlaturity.___...... ... ..... ..._._._ ........ ...... . ............ .................. ........................................................ __... 7.897 Years ?01 ?A 511111 Reromrnu-u I II—Su —, i 61 71202 1 821AM prin sted Page City of Lakeville, Minnesota General Obligation Improvement Bonds, Series 2012A ASSESSMENT INCOME Date Principal Coupon Interest Total P +l 12/31/2013 135,500.00 3.500% 94,850.00 230,350.00 12/31/2014 135,500.00 3.500% 90,107.50 225,607.50 12/31/2015 135,500.00 3.500% 85,365.00 220,865.00 12/31/2016 135,500.00 3.500% 80,622.50 216,122.50 12131/2017 135,500.00 3.500% 75,880.00 211,380.00 12/31/2018 135,500.OD 3.500% 71,137.50 206,637.50 12/31/2019 135,500.00 3.500% 66,395.00 201,895.00 12/31/2020 135,500.00 3.500% 61,652.50 197,152.50 12/31/2021 135,500.00 3.500% 56,910.00 192,410.00 12/3112022 135,500.00 3.500% 52,167.50 187,667.50 12/31/2023 135,500.00 3.500% 47,425.00 182,925.00 12/31/2024 135,500.00 3.500% 42.682.50 178,182.50 12/31/2025 135,500.00 3.500% 37940.00 173,440,00 12/3112026 135,500.00 3.500% 33,197.50 168,697.50 12131/2027 135,500.00 3.500% 28,455.00 163,955.00 12/31/2028 135,500.00 3.500% 23,712.50 159,212.50 12/31/2029 135,500,00 3,500% 18,970.00 154,470.00 1213112030 135,500.00 3.500% 14,227.50 149,727.50 12/31/2031 135,500.00 3.500% 9,485.00 144,985.00 12131/2032 135,500.00 3.500% 4,742.50 140,242.50 Total $2,710,000.00 - $995,925.00 $3,705,925.00 SIGMFICANT DATES FilingDate ... ,._ _._.. .. ...... ... ................................... . ...._...._.............. 1101/2013 First Payment Date _... _.... ......_.......... ..._........ .._......._..... ...... ,................................ _._........_... 12/3112013 Se1111 201 ?AA11111 r»h 2012S11.11 I 1/ 7120)2 I858AM i [ktS$C Page Relininary $23,636,000 City of Lakeville, Minnesota General Obligation Refunding Bonds, Series 2012 Crossover Refunding of Series 2003A, 2004A Flow of Funds Detail State and Local Government Series (SLGS) rates for .. ..... .... _. Preliminary Feasibility Summary 6/05/2012 6/05/2012 Dated 08/15/2012 1 Delivered 08/15/2012 2,037.00 4,145.97 P'imery Purpose Fund Solution Method ., .......... ............ ........... _. Series 2012 Ref Net Funded Net Funded Total Cost of Investments..._---- .... .... ..... ................. .. ......... _.. 2003A (Street Series 2012 $23,526,845.38 Interest Earnings @0. 236% .......................................... _........... Reconstruction Ref 2004A Issue Total Draws_ ............................................... ............................... Bonds) (CIP Bonds) Summary Sources Of Funds 8.146 Years 11.563 Years 10.069 Years Par Arnwntof Bonds ___... .......... $10,335,000.00 $13,300,000.00 $23,635,000.00 Reoffering Premum ..... 172,614.95 113,37640 285,99135 Total Sources ..................... ...._................. ............................... $10,607,614.95 $13,413,376.40 $23,920,991.35 Uses Of Funds 2.1985975% 2.6553768% 2.4892099% Total Underw rear's Discount (1. 206%)....__.__.___.. _...__...... 124,62344 160,376.56 285,000.00 Costs of Issuance ........ ..._. _....._. 45,913.90 59,086.10 105,000.00 Deposit to Crossover Escrow Fund....__.__........__. _......__..... 10,334,968.64 13,191876.74 23,526,845.38 Rounding Amount __._.. ...._...... .,.......... 2,10897 2,037.00 4,14597 Total Uses .................................................. ............................... $10,507,614,95 $13,413,376.40 $23,920,991.35 Flow of Funds Detail State and Local Government Series (SLGS) rates for .. ..... .... _. 6/05/2012 6/05/2012 6/05/2012 Date of OMP Candidates ..... ........ ... .... .. ... ... ................... .............. 2,108.97 2,037.00 4,145.97 P'imery Purpose Fund Solution Method ., .......... ............ ........... _. Net Funded Net Funded Net Funded Total Cost of Investments..._---- .... .... ..... ................. .. ......... _.. $10,334,968.64 $13,191,876.74 $23,526,845.38 Interest Earnings @0. 236% .......................................... _........... 28,375.90 82,079.15 110,455.05 Total Draws_ ............................................... ............................... $10,363,344.54 $13,273,955.89 $23,637,300.43 PV Analysis Summary (Net to Net) Net Pd Cashfbw Savings @ 2. 352 %(Bond Yield) ........ .... ....... . 942,084.52 1,104,695.45 2,046 Contingency or Rounding Armunt.............. ......_._............. ....... . 2,108.97 2,037.00 4,145.97 Net Resent Value Benefit..........._..,...,,..._,....._ ................._...... $944,193.49 $1,106,732.45 $2,050,925.94 Net W Benefit / $22, 495,000 Refunded Principal .. ..... 9.409% 8.882% 9.117% Net PV Benefit /$23, 635,000 Refunding Principal....... _ ............. 9.136% 8.321% 8.677% Bond Statistics Average Life ........... ................__.............. ........................... 8.146 Years 11.563 Years 10.069 Years Average Coupon.... .---- ............ ......................................... ..... 2.2708752% 26369956% 2.5074766% Net Interest Cost ( NIC).. ................. ...___.. ....._._........_.............. 2.2138684% 2.6675573% 2.5070601% Bond Yield for Arbitrage Purposes ..... . ................_...._. ........ 2.3523193% 2.3523193% 2.3523193% True interest Cost ( TIC). ... ...... .... .... ......... ._.......... .. ... ... ........... _ 2.1985975% 2.6553768% 2.4892099% All Inclusive Goal ( AIC).._...._. ..... .--- ...... ......_._..._................_. 2.2591325% 2.7010134% 2.5401908% S,— 20131W 201; 4201 lenmi scummy 1 61112 012 1 9.214,11 pr ngsted Page R elimnary $10,335,000 City of Lakeville, Minnesota General Obligation Street Reconstruction Refunding Bonds, Series 2012 Crossover Refunding of Series 2003A - Street Reconstruction Bonds Debt Service Schedule Date Principal Coupon Interest Total P +i 02/01/2013 - - 103,622.04 103,622.04 02/01/2014 - - 224,722.50 224,722.50 02/01/2015 830,000.00 2000% 224,722.50 1,054,722.50 02/01/2016 845,000.00 2.000% 208,122.50 1,053122.50 02/01/2017 780,000100 2,000% 191,222.50 971,222.50 02/01/2018 800,000.00 2.070% 175,622.50 975,622.50 02/01/2019 815,000.00 2.200% 159,062.50 974,062.50 02/01/2020 840,000,00 1650% 141,132.50 981,132.50 02/01/2021 855,000.00 1.850% 127,272.50 982,272.50 02/01/2022 870,000.00 2.050% 111,455.00 981,455.00 02/01/2023 890,000.00 2.250% 93,620.00 983,620.00 02/01/2024 915,000.00 2450% 73,595.00 988,595.00 02/01/2025 935,000.00 2.650% 51,177.50 986,177.50 02/01/2026 960,000.00 2.750% 26.400.00 986,400.00 Total $10,335,000.00 - $1,911749.54 $12,246,749.54 Yield Statistics Bond Year Dollars ..................... . _... AverageUe ... ......... .--- ........................ Average Coupon .............. ... Net Interest Cost (NIC) ..................... ............ ..................... True Interest Cost ( TIC) ........ ............. ........... ............................... Bond Y field for Arbitrage Purposes ....... .... ................................... All Inclusive Cost (AIC) ........ ............... -. ......._........_. IRS Form 8038 Net Interest Cost. .... ,................... ................. ............_._...,... Weighted Average Wturity ........ ........ _..... _. ............... .---- ..... S,-, 2012 Ref2003A, d0 Serles 2012 Rlf2003A 1 61612012 1 8 21 AM $84,185.58 8.146 Years 2.2708752% ................ 2.2138684% ................. 2.1985975% ................. 2.3523193% ................ 2.2591325% ................. 2.0464394% ................. 8.088 Years rin sted Page 10 Preliminary $13,300,000 City of Lakeville, Minnesota General Obligation Capital Improvement Plan Refunding Bonds, Series 2012 Crossover Refunding of Series 2004A- CIP Bonds Debt Service Schedule Date Principal Coupon Interest Total P +1 02/01/2013 - - 152,501.89 152,501.89 02/01/2014 - - 330,727.00 330.727.00 02/01/2015 - - 330,727.00 330,727.00 02/0112016 600.000.00 2.000% 330,727.00 930,727.00 0210112017 620.000.00 2000% 318,727.00 938,727.00 02/01/2018 635,000.00 2.070% 306,327.00 941,327.00 02/01/2019 665,000.00 2.200% 293,182.50 958,182.50 02101/2020 700,000.00 1.650% 278,552.50 978,552.50 02/0112021 745,000.00 1.850% 267,002.50 1.012,002.50 02101/2022 790,000.00 2.050% 253,220.00 1,043,220.00 02/01/2023 845,000.00 2.250% 237,025.00 1,082,025.00 02/01/2024 900,000.00 2.450% 218,012.50 1,118,012.50 02/01/2025 955,000.00 2.650% 195,962.50 1,150,962.50 02/01/2026 1,020,000.00 2.750% 170,655.00 1,190,655.00 02/01/2027 1,095,000.00 2.850% 142,605.00 1,237,605 00 02/01/2028 1,165,000.00 2.900% 111,397.50 1276,397.50 02/01/2029 1,240,000.00 3.000% 77612.50 1.317612.50 02/01/2030 1,325,000.00 3.050% 40,412.50 1,365,412.50 Total $13,300,000.00 - $4,055,376.89 $17,355,376.89 Yield Statistics BondYear Dollars..._ ........................_._......._ ,...._.............._.......... AverageLife...._ .......................................... ._..........__..._....._....... Average Coupon. ............... ........... .. ........................ ...... Net Interest Cost ( NIC)...._ ..... ............. ........... ............. - .,................ True Interest Cost (11C).... ............. ... ---- .............. ..................... Bond Yield for Arbitrage Purposes.......... .... . .......... .................. All Inclusive Cost ( AIC) ..... ............ IRS Form 8038 Net Interest Cost_......__..., ...... .._ ................ .. ...._ .............._....._..... Weighted Average Maturity- _..._ .............. .... ......_....,....................... S—, 80II Ref2003A, 20 IS—,, M12 Ref 2004A 1 6162012 1 824 AM $153787.78 11.563 Years 2.6369956% .............. 2.6675573% ............... 2.6553768% .............. 2.3523193% .............. 23010134% 2. 5537103 % 11.508 Years Spristd Page 11 Prelimnary $10,335,000 City of Lakeville, Minnesota General Obligation Street Reconstruction Refunding Bonds, Series 2012 Crossover Refunding of Series 2003A - Street Reconstruction Bonds Debt Service Comparison Date Total P +I Escrow Existing DB Net New D'S Old Net US Savings 02/01/2013 103,622.04 (103,622.04) 918,091.25 918,091.25 918,091.25 - 02/01/2014 224,722.50 (10,259,722.50) 11,187,382.50 1,152,382.50 1,152,382.50 - 02/01/2015 1,054,722.50 - - 1,054,722.50 1,149,382.50 94,660.00 02101/2016 1,053,122.50 - - 1,053,122.50 1,145,382.50 92,260.00 02/01/2017 971,222.50 - - 971,222.50 1,065,382.50 94,160.00 02/01/2018 975,622.50 - - 975622.50 1,067,382.50 91760.00 02/01/2019 974,062.50 - - 974,062.50 1,068,182.50 94,120.00 02/01/2020 981,132.50 - - 981,132.50 1,072,782.50 91,650.00 02/01/2021 982,272.50 - - 982,272.50 1,074,968.76 92,71626 02101/2022 981,455.00 - - 981,455.00 1,074,713.76 93,258.76 02/01/2023 983,620.00 - - 983,620.00 1,077,518.76 93,898.76 02/01/2024 988,595.00 - - 988,595.00 1,082,925.00 94,330.00 02/01/2025 986,177.50 - - 986,177.50 1,081,125.00 94,947.50 02/01/2026 986,400.00 - - 986,40000 1,081,575.00 95,175.00 Total $12,246,749.54 (10,363,344.54) $12,105,47375 $13,988,87875 $15,111,815.03 $1,122,936.28 PV Analysis Summary (Net to Net) Net FV Cashflow Savings. .. ..... .. ....................... ........__- .. ...._.._ ........... 1,122,936.28 Gross PV Debt Service Savings........... ......... ................ .................. ... .. ... 942,084.52 Net PV Cashflow Savings @ 2.352 %(Bond Yield)_ ........... .._...__... ........_........ .......... ............. 942,084.52 Contingency or Rounding Anount .... ......... .... _._....._. .._ ........ .............. ...................._._... 2,108.97 NetFuture Value Benefit..._. ........ _ ................................................. . ........... ....................... ............_._- $1,125,045.25 Net Present Value Benefit...... ...... _ ......... . ........ ......... ............. ....._... ... .........__._... -... $944,193.49 Net PV Benefit / $2,612,882.97 PV Refunded Interest. ........ ...... ... ........... ..........................._. .................._............ 36136% Net Pd Benefit / $10,888,038.92 PV Refunded Debt Service ., ........ __ .................... .................... 8.672% Net PV Benefit / $10,035,000 Refunded Principal ........... .............. .. ................ ....... ,............ .... 9.409% Net PV Benefit /$10,335,000 Refunding Principal ............ ......_._...._ ... ...... ................. ...... 9.136% Refunding Bond Information RefundingDated Date.,_...,.... ._ ............._ .._._......._. ......................................... ... ,.......................... 8/15/2012 Refunding Delivery Date....... ... ...... .... _. ... ....._ . .............. .,............................................. 8/15/2012 senex 2012 6,,12003,1, 20 1 Setles 2012 Ref 2003,1 j & 62012 1 8 21 AM Springsted Page 12 Reiminary $13,300,000 City of Lakeville, Minnesota General Obligation Capital Improvement Plan Refunding Bonds, Series 2012 Crossover Refunding of Series 2004A - CIP Bonds Debt Service Comparison Date Total P+I Escrow EAsting DJS Net New US Old Net D/S Savings 02/0112013 152,501.89 (152,501.89) 582,053.13 582,053.13 582,053,13 - 02/01/2014 330,727.00 (330,727.00) 912,906.26 912906 26 912,90626 - 02J0112015 330,727.00 (12,790,72700) 13,400,106.26 940,10.26 940,10626 - 02/01/2016 930,727.00 - - 930,727.00 965,70626 34,979.26 02/01/2017 938,727.00 - - 938,727.00 993,70626 54,979.26 02/01/2018 941,327.00 - - 941,327.00 1,024,79376 63466.76 02/0112019 958,182.50 - - 958,182.50 1,053,75626 95,573.76 02/01/2020 978,552.50 - - 978,552.50 1,084,912.50 106,360.00 02/01/2021 1012,002.50 - - 1,012,002.50 1,117,91250 105,910.00 02/01/2022 1,043,220.00 - - 1,043,220.00 1,148,21250 104,992.50 02/0112023 1,082,025. DO - - 1,082,025.00 1,185,81250 103,787.50 02/0112024 1,118,012.50 - - 1,118,012.50 1,220,26250 10225000 02/01/2025 1,150,962.50 - - 1,150,962.50 1,256,56250 105.600.00 02/01/2026 1,190,655.00 - - 1190,655.00 1,294,48750 103,832.50 OZ01/2027 1,237,605 00 - - 1,237,605.00 1,338,812.50 101207.50 02/01/2028 1,276,397.50 - - 1,276,397.50 1,377,982.50 101,585,00 02/01/2029 131761250 - - 1,317,612.50 1,423,012.50 105,40000 02/01/2030 1,365,412.50 - - 1,365,412.50 1466,50000 101,087.50 Total $17,355,376.89 (13,273,955.89) $14,895,05.65 $18,976,40.65 $20,387,498.19 $1,411,011.54 PV Anaysis Summary (Net to Net) Net PV CasMlow Savings._. ._ ............. ...... ,.. ...... ................ ...... ........ .... .... _. 1,411,011.54 Gross PV Debt Service Savings ..,....._. ............. .... .......... . ...._... ............ 1,104,695.45 Net R/ Cashflow Savings @ 2.352% (Bond Yield ).._......... .__..,., - - ........ ..........._... .......................... 1,104,695.45 Contingency or Rounding Arrount ....... . _.... .... .--- ......... ................. ....................... ...... ............ ..._.__. 2,037.00 Net Future Value Benefit...._ .... ---- ...................................... .......... ............... ........................... $1,413,048.54 NetResent Vaae Benefit..,. _ ... ............. _. ............................... .. .....__ ......_...................- $1,106732.45 Net PV Benefit/$4,527,674.13 PV Refunded Interest....,.._ _ .. .............. ............ ............................... 24.444% Net Pv Benefit/$13,972,342.63 PV Retunded Debt Service .__..... ......_......._. .............................. 7.921 Net Pd Benefit /$1 Z 460,000 Refunded Principal ................ ._..,.... .... .... .............. ..............,,....... 8.882% Net Pd Benefit /$13,300,000 Refunding Principal .............. .........._...... ..... _,..... .............._.,,.,.,,.. 8.321% Refunding Bond Information Refunding Dated Date ................ ....... .............. .............. ....... ,................................ ...... ,..... ...... ....... ..... 8/15/2012 Refunding Delivery Dal,...... .... ........ ............... ..._............ ......... ................ _.............,....,,.... 8/15/2012 Swsea 2012 X f 2003A, 20 8- 204 R j 2004A 1 N 6/202 1 8'24 AM Springsted Page 13