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HomeMy WebLinkAboutItem 06.eSeptember 18, 2017 Item No.________ RESOLUTION AUTHORIZING THE ISSUANCE OF LEASE REVENUE LIQUOR ENTERPRISE REFUNDING BONDS BY THE HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF LAKEVILLE, MINNESOTA Proposed Action Staff recommends adoption of the following motion: Move to approve a Resolution Authorizing the Issuance of Lease Revenue Liquor Enterprise Refunding Bonds by the Housing and Redevelopment Authority of the City of Lakeville, Minnesota. Overview Passage of this motion will result in the issuance of Lease Revenue Liquor Enterprise Refunding Bonds to refinance the Liquor Revenue Bonds, Series 2007 and authorizes the execution of the associated documents (Lease-Purchase Agreement and other closing documents, as may be necessary). Primary Issues to Consider • None Supporting Information • Resolution (Prepared by Dorsey & Whitney, LLP) • Summary of Terms (Prepared by Springsted Inc.) • Lease-Purchase Agreement between HRA and City of Lakeville (Prepared by Dorsey & Whitney, LLP) Financial Impact: $ Budgeted: Y☒ N☐ Source: Related Documents: (CIP, ERP, etc.): Envision Lakeville Community Values: Good Value for Public Services Report Completed by: Jerilyn Erickson, Finance Director Varies Liquor Revenues CIP 4821-4073-5311\2 CERTIFICATE AS TO RESOLUTION AND ADOPTING VOTE I, the undersigned, being the duly qualified and acting City Clerk of the City of Lakeville, Minnesota (the City), hereby certify that the attached resolution is a true copy of Resolution No. __________, entitled: “RESOLUTION APPROVING THE ISSUANCE OF LEASE REVENUE LIQUOR ENTERPRISE REFUNDING BONDS BY THE HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF LAKEVILLE, MINNESOTA” (the Resolution), on file in the original records of the City in my legal custody; that the Resolution was duly adopted by the City Council of the City at a meeting on September 18, 2017, and that the meeting was duly held by the City Council and was attended throughout by a quorum; and that the Resolution has not as of the date hereof been amended or repealed. I further certify that upon vote being taken on the Resolution at said meeting, the following City Council members voted in favor thereof: and the following voted against the same: and the following abstained from voting thereon or were absent: WITNESS my hand officially this 18th day of September 2017 City Clerk 1 4821-4073-5311\2 CITY OF LAKEVILLE, MINNESOTA RESOLUTION Date September 18, 2017 Resolution No. Motion By Seconded By RESOLUTION APPROVING THE ISSUANCE OF LEASE REVENUE LIQUOR ENTERPRISE REFUNDING BONDS BY THE HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF LAKEVILLE, MINNESOTA BE IT RESOLVED by the City Council of the City of Lakeville, Minnesota (the City), as follows: Section 1. Recitals. The City has heretofore issued its Liquor Revenue Bonds, Series 2007, dated May 1, 2007, in the aggregate original principal amount of $3,955,000 (the Series 2007 Bonds), to acquire certain real property and construct, furnish and equip a new liquor store thereon (the Project). The City now finds it necessary and desirable that the Housing and Redevelopment Authority of the City of Lakeville, Minnesota (the Authority) issue its revenue bonds, in one or more series (the Bonds), to refinance the costs of the Project and refund the Series 2007 Bonds. Upon issuance of the Bonds and defeasance of the Series 2007 Bonds, good and marketable title to the Project will be in the City, conveyed to the Authority and leased to the City with an option to purchase pursuant to a Lease-Purchase Agreement dated as of November 1, 2017, between the City, as lessee, and the Authority, as lessor (the Lease). Section 2. Authority. The City is authorized by Minnesota Statutes, Sections 465.71 and 471.64 to lease real and personal property with an option to purchase under the Lease, provided that the City retains the right to terminate said lease-purchase agreement at the end of any fiscal year during its term. It is hereby found, determined and declared to be necessary and desirable and in the best interest of the City to enter into the Lease with the Authority in order to provide for the refinancing of the Project by the Authority and the lease of the Project to the City. The obligation created by the Lease in excess of $1,000,000 shall, as provided in Minnesota Statutes, Section 465.71, be included in the calculation of net debt of the City for purposes of Minnesota Statutes, Section 475.53, and such obligation does not cause the net debt of the City to exceed its debt limit. Section 2. Authorization and Approval. The transfer of title from the City to the Authority by quitclaim deed or other instrument is hereby approved and such instrument shall be executed and delivered in the name and on behalf of the City by the Mayor and City Clerk or their authorized designees. The form of the Lease is hereby approved and shall be executed and delivered in the name and on behalf of the City by the Mayor and City Clerk or their authorized designees in substantially the form on file, but with such final changes thereto as may be approved by the officers executing the same, which approval shall be conclusively evidenced by 2 4821-4073-5311\2 the execution thereof. In the event the Chair or Executive Director of the Authority are not available to execute the Bond Purchase Agreement relating to the Bonds (the Bond Purchase Agreement) by and between the Authority and Robert W. Baird & Co. Incorporated, the City Administrator of the City is hereby authorized to approve the sale of the Bonds, on behalf of the Authority, in an aggregate principal amount not to exceed $2,700,000, and to execute the Bond Purchase Agreement, on behalf of the Authority, as authorized by the Authority Resolution (as defined herein), provided that the true interest cost of the Bonds to the Authority is less than or equal to 2.50% per annum. The Mayor and City Clerk or their authorized designees, or the City Administrator of the City, are further hereby authorized and directed to consent to and execute the Bond Purchase Agreement to the extent the agreement includes representations and/or covenants of the City. The Mayor and City Clerk or their authorized designees are also authorized and directed to execute such closing certificates and other documents, instruments and certificates as may be necessary to complete the issuance and delivery of the Bonds. The Bonds, if issued, shall not constitute a charge, lien or encumbrance, legal or equitable, upon any property of the City or the Authority. The City hereby further approves the terms of the Trust Indenture dated as of November 1, 2017 to be executed by the Authority, relating to the Bonds (the Indenture), and the sale and issuance of the Bonds pursuant to an Authority resolution dated as of the date hereof, relating to the Bonds (the Authority Resolution), and the Indenture. Section 3. General Tax Covenant. The City agrees that it will not take, or permit to be taken by any of its officers, employees or agents, any action that would cause interest on the Bonds to become includable in gross income of the recipient under the Code and applicable Treasury Regulations (the Regulations), and agrees to take any and all actions within its powers to ensure that the interest on the Bonds will not become includable in gross income of the recipient under the Code and the Regulations. So long as any Bonds are outstanding, the City shall not enter into any contract for the sale of all or a portion of the Project financed by such Bonds or enter into any lease, management contract, use agreement or other agreement with any non-governmental person relating to the use of all or a portion of the Project financed by such Bonds or security for the payment of such Bonds which might cause such Bonds to be considered “private activity bonds” or “private loan bonds” pursuant to Section 141 of the Code. Section 4. Continuing Disclosure. (a) Purpose and Beneficiaries. To provide for the public availability of certain information relating to the Bonds and the security therefor and to permit the purchaser and other participating underwriters in the primary offering of the Bonds to comply with amendments to Rule 15c2-12 promulgated by the Securities Exchange Commission (the “SEC”) under the Securities Exchange Act of 1934 (17 C.F.R. § 240.15c2-12), relating to continuing disclosure (as in effect and interpreted from time to time, the “Rule”), which will enhance the marketability of the Bonds, the City hereby makes the following covenants and agreements for the benefit of the Owners (as hereinafter defined) from time to time of the outstanding Bonds. The City is an obligated person in respect of the Bonds within the meaning of the Rule for purposes of identifying the entities in respect of which continuing disclosure must be made. If the City fails to comply with any provisions of this section, any person aggrieved thereby, including the Owners of any outstanding Bonds, may take whatever action at law or in equity may appear necessary or appropriate to enforce performance and observance of any agreement or covenant contained in this section, including an action for a writ of mandamus or specific performance. 3 4821-4073-5311\2 Direct, indirect, consequential and punitive damages shall not be recoverable for any default hereunder to the extent permitted by law. Notwithstanding anything to the contrary contained herein, in no event shall a default under this section constitute a default under the Bonds or under any other provision of this resolution. As used in this section, Owner or Bondowner means, in respect of a Bond, the registered owner or owners thereof appearing in the bond register maintained by the Registrar or any Beneficial Owner (as hereinafter defined) thereof, if such Beneficial Owner provides to the Registrar evidence of such beneficial ownership in form and substance reasonably satisfactory to the Registrar. As used herein, Beneficial Owner means, in respect of a Bond, any person or entity which (a) has the power, directly or indirectly, to vote or consent with respect to, or to dispose of ownership of, such Bond (including persons or entities holding Bonds through nominees, depositories or other intermediaries), or (b) is treated as the owner of the Bond for federal income tax purposes. (b) Information To Be Disclosed. The City will provide, in the manner set forth in subsection (c) hereof, either directly or indirectly through an agent designated by the City, the following information at the following times: (1) on or before 365 days after the end of each fiscal year of the City, commencing with the fiscal year ending December 31, 2017, the following financial information and operating data in respect of the City (the “Disclosure Information”): (A) the audited financial statements of the City for such fiscal year, containing balance sheets as of the end of such fiscal year and a statement of operations, changes in fund balances and cash flows for the fiscal year then ended, showing in comparative form such figures for the preceding fiscal year of the City, prepared in accordance with generally accepted accounting principles promulgated by the Financial Accounting Standards Board as modified in accordance with the governmental accounting standards promulgated by the Governmental Accounting Standards Board or as otherwise provided under Minnesota law, as in effect from time to time, or, if and to the extent such financial statements have not been prepared in accordance with such generally accepted accounting principles for reasons beyond the reasonable control of the City, noting the discrepancies therefrom and the effect thereof, and certified as to accuracy and completeness in all material respects by the fiscal officer of the City; and (B) to the extent not included in the financial statements referred to in paragraph (A) hereof, the information for such fiscal year or for the period most recently available of the type contained in the Official Statement under headings: City Property Values; City Indebtedness; and City Tax Rates, Levies and Collections. Notwithstanding the foregoing paragraph, if the audited financial statements are not available by the date specified, the City shall provide on or before such date unaudited financial statements in the format required for the audited financial statements as part of the Disclosure Information and, 4 4821-4073-5311\2 within 10 days after the receipt thereof, the City shall provide the audited financial statements. Any or all of the Disclosure Information may be incorporated by reference, if it is updated as required hereby, from other documents, including official statements, which have been submitted to each of the repositories hereinafter referred to under subsection (c) or the SEC. If the document incorporated by reference is a final official statement, it must be available from the Municipal Securities Rulemaking Board (the “MSRB”). The City shall clearly identify in the Disclosure Information each document so incorporated by reference. If any part of the Disclosure Information can no longer be generated because the operations of the City or the City have materially changed or been discontinued, such Disclosure Information need no longer be provided if the City includes in the Disclosure Information a statement to such effect; provided, however, if such operations have been replaced by other City operations in respect of which data is not included in the Disclosure Information and the City determines that certain specified data regarding such replacement operations would be a Material Fact (as defined in paragraph (2) hereof), then, from and after such determination, the Disclosure Information shall include such additional specified data regarding the replacement operations. If the Disclosure Information is changed or this section is amended as permitted by this paragraph (b)(1) or subsection (d), then the City shall include in the next Disclosure Information to be delivered hereunder, to the extent necessary, an explanation of the reasons for the amendment and the effect of any change in the type of financial information or operating data provided. (2) In a timely manner, not in excess of 10 business days, to the MSRB through EMMA, notice of the occurrence of any of the following events (each a “Material Fact”): (A) principal and interest payment delinquencies; (B) non-payment related defaults, if material; (C) unscheduled draws on debt service reserves reflecting financial difficulties; (D) unscheduled draws on credit enhancements reflecting financial difficulties; (E) substitution of credit or liquidity providers, or their failure to perform; (F) adverse tax opinions, the issuance by the Internal Revenue Service of proposed or final determinations of taxability, Notices of Proposed Issue (IRS Form 5701-TEB), or other material notices or determinations with respect to the tax status of the security or other material events affecting the tax status of the Bonds; (G) modifications to rights of holders of the Bonds, if material; (H) bond calls, if material, and tender offers; (I) defeasances; (J) release, substitution or sale of property securing repayment of the Bonds, if material; (K) rating changes; (L) bankruptcy, insolvency, receivership, or similar event of the obligated person; (M) the consummation of a merger, consolidation, or acquisition involving the City or the sale of all or substantially all of the assets of the City, other than in the ordinary course of business, the entry into a definitive 5 4821-4073-5311\2 agreement to undertake such an action or the termination of a definitive agreement relating to any such actions, other than pursuant to its terms, if material; and (N) appointment of a successor or additional trustee or the change of name of a trustee, if material. For the purposes of the event identified in (L) hereinabove, the event is considered to occur when any of the following occur: the appointment of a receiver, fiscal agent or similar officer for an obligated person in a proceeding under the U.S. Bankruptcy Code or in any other proceeding under state or federal law in which a court or governmental authority has assumed jurisdiction over substantially all of the assets or business of the obligated person, or if such jurisdiction has been assumed by leaving the existing governing body and officials or officers in possession but subject to the supervision and orders of a court or governmental authority, or the entry of an order confirming a plan of reorganization, arrangement or liquidation by a court or governmental authority having supervision or jurisdiction over substantially all of the assets or business of the obligated person. As used herein, for those events that must be reported if material, an event is “material” if it is an event as to which a substantial likelihood exists that a reasonably prudent investor would attach importance thereto in deciding to buy, hold or sell a Bond or, if not disclosed, would significantly alter the total information otherwise available to an investor from the Official Statement, information disclosed hereunder or information generally available to the public. Notwithstanding the foregoing sentence, an event is also “material” if it is an event that would be deemed material for purposes of the purchase, holding or sale of a Bond within the meaning of applicable federal securities laws, as interpreted at the time of discovery of the occurrence of the event. (3) In a timely manner, to the MSRB through EMMA, notice of the occurrence of any of the following events or conditions: (A) the failure of the City to provide the Disclosure Information required under paragraph (c)(1) at the time specified thereunder; (B) the amendment or supplementing of this section pursuant to subsection (e), together with a copy of such amendment or supplement; (C) the termination of the obligations of the City under this section pursuant to subsection (e); (D) any change in the accounting principles pursuant to which the financial statements constituting a portion of the Disclosure Information are prepared; and (E) any change in the fiscal year of the City. (c) Identifying Information to Accompany Documents. All documents provided to the MSRB shall be accompanied by identifying information as prescribed by the MSRB. (d) Term; Amendments; Interpretation. The covenants of the City in this section shall remain in effect so long as any Bonds are outstanding. Notwithstanding the preceding sentence, however, the obligations of the City under this section shall terminate and be without 6 4821-4073-5311\2 further effect as of any date on which the City delivers to the registrar for the Bonds an opinion of bond counsel to the effect that, because of legislative action or final judicial or administrative actions or proceedings, the failure of the City to comply with the requirements of this section will not cause participating underwriters in the primary offering of the Bonds to be in violation of the Rule or other applicable requirements of the Securities Exchange Act of 1934, as amended, or any statutes or laws successory thereto or amendatory thereof. This section may be amended or supplemented by the City from time to time, without notice to or the consent of the Owners of any Bonds, by a resolution of this Council filed in the office of the recording officer of the City accompanied by an opinion of bond counsel, who may rely on certificates of the City and others and the opinion may be subject to customary qualifications, to the effect that: (i) such amendment or supplement (a) is made in connection with a change in circumstances that arises from a change in law or regulation or a change in the identity, nature or status of the the City or the type of operations conducted by the City, or (b) is required by, or better complies with, the provisions of paragraph (d)(2) of the Rule; (ii) this section as so amended or supplemented would have complied with the requirements of paragraph (d)(2) of the Rule at the time of the primary offering of the Bonds, giving effect to any change in circumstances applicable under clause (i)(a) and assuming that the Rule as in effect and interpreted at the time of the amendment or supplement was in effect at the time of the primary offering; and (iii) such amendment or supplement does not materially impair the interests of the Bondowners under the Rule. This section is entered into to comply with, and should be construed so as to satisfy the requirements of, paragraph (d)(2) of the Rule. 7 4821-4073-5311\2 APPROVED AND ADOPTED this 18th day of September 2017 CITY OF LAKEVILLE By Douglas P. Anderson, Mayor ATTEST: Charlene Friedges, City Clerk   SUMMARY OF TERMS September 14, 2017 $2,270,000 (approximate) Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 (the “Bonds”) Introduction: The HRA of the City of Lakeville (the “HRA”) will be negotiating the refunding of its 2007 Liquor Revenue Bond. Security for the 2017 Bonds will be a pledge of liquor enterprise funds as well as an annual appropriation. The purpose of the refunding is to achieve interest cost savings on an approximately even annual basis over the same repayment term. The net present value savings are currently estimated to be in excess of $300,000. The 2007 Liquor Revenue Bonds were issued to pay for the construction of the new liquor store located at Galaxie Avenue and 160th Street, Lakeville, Minnesota (the “Facility”). Underwriter: The City has contacted two underwriting firms to obtain cost proposals. The City has selected Robert W. Baird & Company (the “Underwriter”) to underwrite the Bonds. The Underwriter’s activities are focused on pricing the Bonds, as well as any other activities leading up to pricing required in their capacity as the underwriter. Issuer: Lakeville Housing and Redevelopment Authority, Minnesota (the “HRA”) Authority for Issuance: MSA 426.19, 465.71 or 471.64 and an indenture of trust between the HRA and a trustee yet to be selected (the “Trustee”). Security and Source of Payment: The financing will consist of a lease purchase agreement between the City and the HRA, wherein the HRA as issuer will receive lease payments equal to scheduled debt service from the City as operator of the liquor operations. This approach uses a lease/leaseback format with an annual appropriation pledge to cover debt service from other available funds of the City in the event that the net revenue of the Liquor Enterprise is not sufficient to cover debt service. The City will pledge the net revenues of the Enterprise to the payment of the Lease. The debt service coverage level for the past three years of the Net Revenue of the Enterprise over the existing bond’s debt service is shown in the table below: Fiscal Year Net Revenue Debt Service Coverage 12/31/2014 1,624,852.00 322,625.00 5.04 x 12/31/2015 1,060,978.00 324,125.00 3.27 x 12/31/2016 1,140,004.00 320,250.00 3.56 x Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 2   0483.151 The City will transfer title to the Facility to the HRA and then lease it back from the HRA pursuant to a lease (the “Lease”). Title will be transferred back to the City at the end of the Lease term. Lease payments will be payable solely from City funds which are annually budgeted and appropriated by the governing body of the City and which may be terminated by action of such governing body. There is no assurance that the Lease will be renewed each Fiscal Year for all of its anticipated term. The governing body of the City is under no obligation to provide City funds for such renewals. Accordingly, any factors which may potentially influence the budgeting process of the City should be considered by a prospective purchaser of the Bonds. In the event the governing body of the City fails to renew the Lease for any Fiscal Year, fails to budget and appropriate sufficient City funds for payment of all Rental Payments, or defaults under the Lease, the Lease will be terminated and the Trustee will take control of the Facility on behalf of the HRA for the benefit of the bondholders. The City should note that any failure to appropriate lease payments leading to a default on timely payment of debt service in all likelihood will lead the rating agency to downgrade the City’s general obligation rating several categories, and conceivably to non-investment grade. This situation would cause the interest costs of the City’s future general obligation bonds to substantially increase for many years. The refunded issue structure includes a debt service reserve. The existing debt service reserve will be used as a cash contribution to the refunding. The Underwriter has indicated that as long as the Bonds are rated in the “Aa” category no reserve fund will be required to secure the refunding Bonds. Please Note: The City of Lakeville is currently exploring opportunities to sell the Kenrick liquor store property and enter into a long-term lease for the existing building. Sale proceeds would potentially be used for building an additional store at the Keokuk/I35 location. The City will continue to operate the liquor operations at the Kenrick location. Structure and Preliminary Repayment Structure: Attached are preliminary schedules showing a refunding summary, debt service comparison, debt service to maturity and to call, a pricing summary, and a debt service schedule. Payment dates are also provided. Interest will be paid semi-annually each February 1 and August 1, beginning February 1, 2018. Principal will be paid annually each February 1, beginning February 1, 2019. The last principal payment is on February 1, 2027. Interest rates as of September 6 were provided by the Underwriter. New debt service has been structured to achieve approximately level annual interest cost reductions for all years exclusive of those impacted by the dynamics of the existing debt service reserve. Interest will be calculated as simple interest on the basis of a 360-day year of twelve 30-day months. Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 3   0483.151      Optional Redemption Provisions: The City would prefer an optional prepayment provision at par beginning on February 1, 2025, for the remaining maturities. Subject to negotiation Tax Status: Tax exempt Bank Qualification: Non-Bank Qualified Rating: The City anticipates rating the Bonds. The City has just completed the competitive sale of its GO Bonds. The GO rating was affirmed at Aa1 and Aa3 on its lease revenue debt. Pricing Parameters: The HRA will adopt a resolution setting the maximum principal amount of the Bonds at $2,700,000 and the maximum true interest cost (TIC) at 2.50%. The same resolution will authorize the HRA Board Chair or Executive Director or the City Administrator to approve the final sale and pricing of the Bonds. Legal and Disclosure: Dorsey & Whitney LLP, Minneapolis, MN will serve as Bond Counsel on all matters relating to the Issue. It is the City’s expectation that Bond Counsel will draft all legal documents and the City will pay the fees and expenses of Bond Counsel. Springsted will have responsibility for preparation of the official statement. Expected Pricing and Delivery Date: The City expect to price the Bonds in mid-October. The settlement would occur approximately 30 days thereafter. Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 4   0483.151        $2,270,000 City of Lakeville, Minnesota Lease Revenue Refunding Bonds, Series 2017 (Annual Principal) Current Refunding of Series 2007 Liquor Refunding Summary Dated 11/08/2017 | Delivered 11/08/2017 Sources Of Funds Par Amount of Bonds...............................................................................................................................................$2,270,000.00 Reoffering Premium..................................................................................................................................................91,413.60 Transfers from Prior Issue DSR Funds....................................................................................................................295,133.11 Total Sources........................................................................................................................................................$2,656,546.71 Uses Of Funds Total Underwriter's Discount (0.663%).................................................................................................................. 15,050.10 Costs of Issuance....................................................................................................................................................64,475.00 Deposit to Current Refunding Fund..........................................................................................................................2,571,993.06 Rounding Amount.....................................................................................................................................................5,028.55 Total Uses..............................................................................................................................................................$2,656,546.71 ISSUES REFUNDED AND CALL INFORMATION Prior Issue Call Price................................................................................................................................................ 100.000% Prior Issue Call Date.................................................................................................................................................12/15/2017 SAVINGS INFORMATION Net Present Value Benefit........................................................................................................................................$332,374.35 BOND STATISTICS Average Life............................................................................................................................................................5.409 Years Average Coupon......................................................................................................................................................2.6802900% Net Interest Cost (NIC)............................................................................................................................................. 2.0583544% True Interest Cost (TIC)............................................................................................................................................2.0037101% Series 2017 Ref 2007 Liqu | SINGLE PURPOSE | 9/ 6/2017 | 10:55 AM Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 5   0483.151          $2,270,000 City of Lakeville, Minnesota Lease Revenue Refunding Bonds, Series 2017 (Annual Principal) Current Refunding of Series 2007 Liquor Debt Service Comparison Date Total P+I Net New D/S Old Net D/S Savings 02/01/2018 - - 263,125.00 263,125.00 02/01/2019 289,095.69 289,095.69 326,250.00 37,154.31 02/01/2020 291,750.00 291,750.00 325,750.00 34,000.00 02/01/2021 286,950.00 286,950.00 329,750.00 42,800.00 02/01/2022 287,150.00 287,150.00 328,000.00 40,850.00 02/01/2023 287,250.00 287,250.00 325,750.00 38,500.00 02/01/2024 287,250.00 287,250.00 328,000.00 40,750.00 02/01/2025 289,600.00 289,600.00 329,500.00 39,900.00 02/01/2026 291,650.00 291,650.00 325,250.00 33,600.00 02/01/2027 288,400.00 288,400.00 30,366.89 (258,033.11) Total $2,599,095.69 $2,599,095.69 $2,911,741.89 $312,646.20 PV Analysis Summary (Net to Net) Net FV Cashflow Savings..........................................................................................................................................312,646.20 Gross PV Debt Service Savings................................................................................................................................ 577,393.95 Effects of changes in DSR investments.....................................................................................................................(250,048.15) Net PV Cashflow Savings @ 1.804%(Bond Yield)...................................................................................................327,345.80 Contingency or Rounding Amount..............................................................................................................................5,028.55 Net Future Value Benefit............................................................................................................................................ $317,674.75 Net Present Value Benefit.......................................................................................................................................... $332,374.35 Net PV Benefit / $641,679.32 PV Refunded Interest..................................................................................................51.798% Net PV Benefit / $2,947,409.09 PV Refunded Debt Service...................................................................................... 11.277% Net PV Benefit / $2,525,000 Refunded Principal....................................................................................................... 13.163% Net PV Benefit / $2,270,000 Refunding Principal.......................................................................................................14.642% Refunding Bond Information Refunding Dated Date.................................................................................................................................................11/08/2017 Refunding Delivery Date.............................................................................................................................................11/08/2017 Series 2017 Ref 2007 Liqu | SINGLE PURPOSE | 9/ 6/2017 | 10:55 AM Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 6   0483.151        3,955,000 City of Lakeville, Minnesota Liquor Revenue Bonds, Series 2007 Debt Service To Maturity And To Call Date Refunded Bonds Refunded Interest D/S To Call Principal Coupon Interest Refunded D/S 11/08/2017 - - - - - - - 12/15/2017 2,525,000.00 46,993.06 2,571,993.06 - - - - 02/01/2018 - - - 200,000.00 5.000% 63,125.00 263,125.00 08/01/2018 - - - - - 58,125.00 58,125.00 02/01/2019 - - - 210,000.00 5.000% 58,125.00 268,125.00 08/01/2019 - - - - - 52,875.00 52,875.00 02/01/2020 - - - 220,000.00 5.000% 52,875.00 272,875.00 08/01/2020 - - - - - 47,375.00 47,375.00 02/01/2021 - - - 235,000.00 5.000% 47,375.00 282,375.00 08/01/2021 - - - - - 41,500.00 41,500.00 02/01/2022 - - - 245,000.00 5.000% 41,500.00 286,500.00 08/01/2022 - - - - - 35,375.00 35,375.00 02/01/2023 - - - 255,000.00 5.000% 35,375.00 290,375.00 08/01/2023 - - - - - 29,000.00 29,000.00 02/01/2024 - - - 270,000.00 5.000% 29,000.00 299,000.00 08/01/2024 - - - - - 22,250.00 22,250.00 02/01/2025 - - - 285,000.00 5.000% 22,250.00 307,250.00 08/01/2025 - - - - - 15,125.00 15,125.00 02/01/2026 - - - 295,000.00 5.000% 15,125.00 310,125.00 08/01/2026 - - - - - 7,750.00 7,750.00 02/01/2027 - - - 310,000.00 5.000% 7,750.00 317,750.00 Total $2,525,000.00 $46,993.06 $2,571,993.06 $2,525,000.00 - $681,875.00 $3,206,875.00 Yield Statistics Base date for Avg. Life & Avg. Coupon Calculation.................................................................................................11/08/2017 Average Life............................................................................................................................................................. 5.132 Years Average Coupon.......................................................................................................................................................5.0000000% Weighted Average Maturity (Par Basis)................................................................................................................... 5.132 Years Weighted Average Maturity (Original Price Basis)....................................................................................................5.127 Years Refunding Bond Information Refunding Dated Date............................................................................................................................................... 11/08/2017 Refunding Delivery Date........................................................................................................................................... 11/08/2017 2007 Liquor Rev Bonds | SINGLE PURPOSE | 9/ 6/2017 | 10:55 AM Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 7   0483.151          $2,270,000 City of Lakeville, Minnesota Lease Revenue Refunding Bonds, Series 2017 (Annual Principal) Current Refunding of Series 2007 Liquor Pricing Summary Maturity Type of Bond Coupon Yield Maturity Value Price YTM Call Date Call Price Dollar Price 02/01/2019 Serial Coupon 2.000% 1.100% 220,000.00 101.096% - - - 222,411.20 02/01/2020 Serial Coupon 2.000% 1.200% 240,000.00 101.754% - - - 244,209.60 02/01/2021 Serial Coupon 2.000% 1.300% 240,000.00 102.206% - - - 245,294.40 02/01/2022 Serial Coupon 2.000% 1.400% 245,000.00 102.455% - - - 251,014.75 02/01/2023 Serial Coupon 2.000% 1.550% 250,000.00 102.251% - - - 255,627.50 02/01/2024 Serial Coupon 3.000% 1.750% 255,000.00 107.346% - - - 273,732.30 02/01/2025 Serial Coupon 3.000% 1.950% 265,000.00 107.047% - - - 283,674.55 02/01/2026 Serial Coupon 3.000% 2.100% 275,000.00 106.006% c 2.198% 02/01/2025 100.000% 291,516.50 02/01/2027 Serial Coupon 3.000% 2.250% 280,000.00 104.976% c 2.396% 02/01/2025 100.000% 293,932.80 Total - - - $2,270,000.00 - - - - - $2,361,413.60 Bid Information Par Amount of Bonds....................................................................................................................................................... $2,270,000.00 Reoffering Premium or (Discount).................................................................................................................................... 91,413.60 Gross Production............................................................................................................................................................. $2,361,413.60 Total Underwriter's Discount (0.663%)...........................................................................................................................$(15,050.10) Bid (103.364%)................................................................................................................................................................ 2,346,363.50 Total Purchase Price........................................................................................................................................................ $2,346,363.50 Bond Year Dollars............................................................................................................................................................ $12,278.36 Average Life.................................................................................................................................................................... 5.409 Years Average Coupon.............................................................................................................................................................. 2.6802900% Net Interest Cost (NIC)......................................................................................................................................................2.0583544% True Interest Cost (TIC).................................................................................................................................................... 2.0037101% Series 2017 Ref 2007 Liqu | SINGLE PURPOSE | 9/ 6/2017 | 10:55 AM Lakeville Housing and Redevelopment Authority, Minnesota Lease Revenue Liquor Enterprise Refunding Bonds, 2017 Page 8   0483.151   $2,270,000 City of Lakeville, Minnesota Lease Revenue Refunding Bonds, Series 2017 (Annual Principal) Current Refunding of Series 2007 Liquor Debt Service Schedule Date Principal Coupon Interest Total P+I 02/01/2018 - - - - 08/01/2018 - - 41,020.69 41,020.69 02/01/2019 220,000.00 2.000% 28,075.00 248,075.00 08/01/2019 - - 25,875.00 25,875.00 02/01/2020 240,000.00 2.000% 25,875.00 265,875.00 08/01/2020 - - 23,475.00 23,475.00 02/01/2021 240,000.00 2.000% 23,475.00 263,475.00 08/01/2021 - - 21,075.00 21,075.00 02/01/2022 245,000.00 2.000% 21,075.00 266,075.00 08/01/2022 - - 18,625.00 18,625.00 02/01/2023 250,000.00 2.000% 18,625.00 268,625.00 08/01/2023 - - 16,125.00 16,125.00 02/01/2024 255,000.00 3.000% 16,125.00 271,125.00 08/01/2024 - - 12,300.00 12,300.00 02/01/2025 265,000.00 3.000% 12,300.00 277,300.00 08/01/2025 - - 8,325.00 8,325.00 02/01/2026 275,000.00 3.000% 8,325.00 283,325.00 08/01/2026 - - 4,200.00 4,200.00 02/01/2027 280,000.00 3.000% 4,200.00 284,200.00 Total $2,270,000.00 - $329,095.69 $2,599,095.69 Yield Statistics Bond Year Dollars.................................................................................................................................................... $12,278.36 Average Life.............................................................................................................................................................5.409 Years Average Coupon...................................................................................................................................................... 2.6802900% Net Interest Cost (NIC).............................................................................................................................................. 2.0583544% True Interest Cost (TIC)............................................................................................................................................ 2.0037101% Bond Yield for Arbitrage Purposes.......................................................................................................................... 1.8040032% All Inclusive Cost (AIC)............................................................................................................................................. 2.5623560% IRS Form 8038 Net Interest Cost....................................................................................................................................................... 1.8455026% Weighted Average Maturity...................................................................................................................................... 5.454 Years Series 2017 Ref 2007 Liqu | SINGLE PURPOSE | 9/ 6/2017 | 10:55 AM DRAFT 9/15/17 ===================================================================== LEASE-PURCHASE AGREEMENT between the HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF LAKEVILLE, MINNESOTA as Lessor and the CITY OF LAKEVILLE, MINNESOTA as Lessee Dated as of November 1, 2017 ===================================================================== Relating to: LEASE REVENUE LIQUOR ENTERPRISE REFUNDING BONDS, SERIES 2017A This instrument drafted by: Dorsey & Whitney LLP (NC) Suite 1500 50 South Sixth Street Minneapolis, Minnesota 55402 (612) 340-2600 TABLE OF CONTENTS PAGE ARTICLE I DEFINITIONS AND EXHIBITS............................................................................... 5 Section 1.1. Definitions .................................................................................................... 5 Section 1.2. Exhibits......................................................................................................... 6 ARTICLE II REPRESENTATIONS, COVENANTS AND WARRANTIES ............................... 7 Section 2.1. Representations, Covenants and Warranties of Lessee ................................ 7 Section 2.2. Representations Covenants and Warranties of Lessor ................................. 7 ARTICLE III AGREEMENT TO LEASE ..................................................................................... 9 Section 3.1. Lease............................................................................................................. 9 Section 3.2. Possession and Enjoyment ........................................................................... 9 Section 3.3. Lessor Access to Project .............................................................................. 9 ARTICLE IV TERM OF LEASE ................................................................................................. 10 Section 4.1. Term of Lease............................................................................................. 10 Section 4.2. Termination of Lease Term ........................................................................ 10 ARTICLE V RENTAL PAYMENTS .......................................................................................... 11 Section 5.1. Rental Payments ......................................................................................... 11 Section 5.2. Current Expense ......................................................................................... 11 Section 5.3. Rental Payments to be Unconditional ........................................................ 11 Section 5.4. Reserved ..................................................................................................... 11 Section 5.5. Intent to Continue Rental Payments; Appropriations ................................ 11 ARTICLE VI NONAPPROPRIATION ....................................................................................... 12 Section 6.1. Termination of Lease ................................................................................. 12 Section 6.2. Return of Project ........................................................................................ 12 Section 6.3. Effect of Termination ................................................................................. 12 Section 6.4. Reserved ..................................................................................................... 12 ARTICLE VII MAINTENANCE; TAXES; INSURANCE; AND OTHER MATTERS ............ 13 Section 7.1. Maintenance and Modification of Project by Lessee ................................. 13 Section 7.2. Taxes, Other Government Charges and Utility Charges ............................ 13 Section 7.3. Liability Insurance...................................................................................... 14 Section 7.4. Lessee’s Negligence ................................................................................... 14 Section 7.5. Property Insurance...................................................................................... 14 Section 7.6. Worker’s Compensation Insurance ............................................................ 14 2 Section 7.7. Other Insurance and Requirements for All Insurance ................................ 14 Section 7.8. Advances .................................................................................................... 15 Section 7.9. Liens ........................................................................................................... 15 Section 7.10. Rebate ....................................................................................................... 15 ARTICLE VIII DAMAGE, DESTRUCTION AND CONDEMNATION; USE OF NET PROCEEDS .................................................................................................................................. 16 Section 8.1. Damage, Destruction and Condemnation................................................... 16 Section 8.2. Cooperation of Lessor ................................................................................ 16 Section 8.3. Condemnation of Other Property Owned by Lessee .................................. 16 ARTICLE IX LESSEE’S EQUIPMENT; WARRANTIES ......................................................... 17 Section 9.1. Installation of Lessee’s Equipment ............................................................ 17 Section 9.2. Reserved ..................................................................................................... 17 Section 9.3. Reserved ..................................................................................................... 17 Section 9.4. Warranties .................................................................................................. 17 Section 9.5. Disclaimer of Warranties ........................................................................... 17 ARTICLE X OPTION TO PURCHASE ...................................................................................... 18 Section 10.1. When Available ........................................................................................ 18 Section 10.2. Exercise of Option .................................................................................... 18 Section 10.3. Release of Lessor’s Interest...................................................................... 18 Section 10.4. Defeasance ............................................................................................... 18 ARTICLE XI ASSIGNMENT, SUBLEASING, MORTGAGING AND SELLING .................. 19 Section 11.1. Assignment by Lessor .............................................................................. 19 Section 11.2. Assignment and Subleasing by Lessee..................................................... 19 Section 11.3. Restriction on Mortgage or Sale of Project by Lessee ............................. 19 ARTICLE XII EVENTS OF DEFAULT AND REMEDIES ....................................................... 20 Section 12.1. Events of Default Defined ........................................................................ 20 Section 12.2. Remedies on Default ................................................................................ 21 Section 12.3. Return of Project ...................................................................................... 21 Section 12.4. Delay; Notice............................................................................................ 21 Section 12.5. No Remedy Exclusive .............................................................................. 22 Section 12.6. Agreement to Pay Attorneys’ Fees and Expenses .................................... 22 Section 12.7. No Additional Waiver Implied By One Waiver....................................... 22 ARTICLE XIII TITLE .................................................................................................................. 23 Section 13.1. Title to Project .......................................................................................... 23 Section 13.2. Security Interest........................................................................................ 23 3 ARTICLE XIV ISSUANCE OF THE BONDS............................................................................ 24 Section 14.1. Agreement to Issue Bonds; Application of Bond Proceeds ..................... 24 ARTICLE XV ADMINISTRATIVE PROVISIONS ................................................................... 25 Section 15.1. Notices ...................................................................................................... 25 Section 15.2. Binding Effect .......................................................................................... 25 Section 15.3. Severability............................................................................................... 25 Section 15.4. Amendments, Charges and Modifications ............................................... 25 Section 15.5. Further Assurances and Corrective Instruments ...................................... 25 Section 15.6. Execution in Counterparts ........................................................................ 25 Section 15.7. Applicable Law ........................................................................................ 25 Section 15.8. Lessor and Lessee Representatives .......................................................... 25 Section 15.9. Captions .................................................................................................... 25 4 LEASE-PURCHASE AGREEMENT This LEASE-PURCHASE AGREEMENT (the Lease) is executed as of November 1, 2017, between the HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF LAKEVILLE, MINNESOTA, as lessor (together with its successors and assigns, Lessor), whose address is 20195 Holyoke Avenue, P.O. Box 957, Lakeville, Minnesota 55044, and the CITY OF LAKEVILLE, MINNESOTA, as lessee (Lessee), whose address is 20195 Holyoke Avenue, P.O. Box 957, Lakeville, Minnesota 55044. RECITALS WHEREAS, the Lessee is authorized by Minnesota Statutes to acquire real and personal property by entering into lease-purchase agreements; WHEREAS, the Lessee has heretofore issued its Liquor Revenue Bonds, Series 2007, dated May 1, 2007, in the aggregate original principal amount of $3,955,000 (the Series 2007 Bonds), to acquire certain real property (as further described herein, the Land) and construct, furnish and equip a new liquor store thereon (as further described herein, the Improvements); WHEREAS, the Lessor has authorized the issuance of its $[_________] Lease Revenue Liquor Enterprise Refunding Bonds, Series 2017A (the Bonds), for the purpose of refunding all the outstanding Series 2007 Bonds and refinancing the Land and the Improvements; WHEREAS, the Series 2007 Bonds will be defeased upon issuance of the Bonds and good and marketable title to the Land and the Improvements will be in the Lessee, which title will be conveyed simultaneously with the issuance of the Bonds by quitclaim deed to the Lessor; and WHEREAS, to secure payment of the Bonds, the Lessor hereby leases to the Lessee, and the Lessee hereby hires and takes from the Lessor, the Land and the Improvements, and for such purpose the Lessor grants to the Lessee for the term of this Lease all rights necessary for the Lessee to lease and purchase the Land and the Improvements. NOW, THEREFORE, in the joint and mutual exercise of their powers, and in consideration of the mutual covenants herein contained, the parties hereto recite and agree as follows: 5 ARTICLE I DEFINITIONS AND EXHIBITS Section 1.1. Definitions. Unless the context otherwise requires, the terms defined in this Section shall, for all purposes of this Lease, have the meanings herein specified. Code means the Internal Revenue Code of 1986, as now or hereafter amended, and the regulation and revenue rulings and procedures issued pursuant thereto from time to time. Fiscal Year means each twelve month fiscal period of Lessee commencing on January 1 of any year and ending on the following December 31. Improvements means the building designed, acquired, constructed and installed on the Land with proceeds of the Series 2007 Bonds and any personal property acquired or installed in connection therewith, and any other improvements constructed on the Land and or personal property acquired with proceeds of the Series 2007 Bonds. Indenture means the Trust Indenture entered into between Lessor and U.S. Bank National Association, as trustee, dated as of the date hereof. Independent Counsel means an attorney duly admitted to the practice of law before the highest court of any state who is not an officer or a full-time employee of Lessor, Lessee or an assignee thereof. Land means the real property acquired with proceeds of the Series 2007 Bonds, as legally described in the attached Exhibit A. Lessee Representative means the City Administrator or City Finance Director of Lessee, or any other person authorized to act on behalf of Lessee under or with respect to this Lease, as evidenced by a certificate conferring such authority executed by the City Administrator, given to the Trustee and the Lessor. Lessor Representative means the Chair or Executive Director of Lessor, or any other person authorized to act on behalf of Lessor under or with respect to this Lease, as evidenced by a certificate conferring such authority executed by the Chair, given to the Trustee and the Lessee. Net Proceeds means any insurance proceeds or condemnation award paid with respect to the Improvements, remaining after payment therefrom of all expenses incurred in the collection thereof. Payment Date means the date upon which any Rental Payment is due and payable as provided in the attached Exhibit B. Permitted Encumbrances means, as of any particular time, (i) liens for taxes and assessments not then delinquent, or which Lessee may, pursuant to provisions of Article VII hereof, permit to remain unpaid; (ii) this Lease; (iii) any mechanic’s, laborer’s, materialmen’s, supplier’s or vendor’s lien or right not filed or perfected in the manner prescribed by law, or 6 which Lessee may, pursuant to provisions of Article VII hereof, permit to remain unpaid; (iv) minor defects and irregularities in the title to the Land which do not in the aggregate materially impair the use of the Project for the purposes for which it is or may reasonably be expected to be held; (v) easements, exceptions or reservations for the purpose of pipelines, telephone lines, telegraph lines, power lines and substations, roads, streets, alleys, highways, railroad purposes, drainage and sewage purposes, dikes, canals, laterals, ditches, the removal of oil, gas, coal or other minerals, and other like purposes, or for the joint or common use of real property, facilities and equipment, which do not materially impair the use of the Project for the purposes for which it is or may reasonably be expected to be held; (vi) rights reserved to or vested in any municipality or governmental or other public authority to control or regulate or use in any manner any portion of the Land which do not materially impair the use of the Project for the purposes for which it is or may reasonably be expected to be held; (vii) present and future valid zoning laws and ordinances; and (viii) [any liens or encumbrances specifically listed as such on Exhibit A attached hereto]. Project means the Land and the Improvements, together. Qualified Investments means only those described in Minnesota Statutes, Section 475.67, Subdivision 8, or any successor statute. Rental Payment means any payment due from Lessee to Lessor under Section 5.1 of this Lease. State means the State of Minnesota. State and Federal Law or Laws means the Constitution and laws of the State, any ordinance, rule or regulation of any agency or political subdivision of the State and any law of the United States, and any rule or regulation of any federal agency. Term of this Lease or Lease Term means the period during which this Lease remains in effect as specified in Sections 4.1 and 4.2. Trustee means U.S. Bank National Association, as trustee under the Indenture. Section 1.2. Exhibits. The following exhibits are attached to and by reference made a part of this Lease: Exhibit A – A legal description of the Land. Exhibit B – The schedule of Rental Payments to be paid by Lessee to Lessor, showing the date and amount of each Rental Payment. 7 ARTICLE II REPRESENTATIONS, COVENANTS AND WARRANTIES Section 2.1. Representations, Covenants and Warranties of Lessee. Lessee represents, covenants and warrants as follows: (a) Lessee is a duly formed and validly existing body corporate and political subdivision of the State, governed by the Constitution and laws of the State. (b) State and Federal Laws authorize Lessee to construct, lease, operate and maintain the Project; to enter into this Lease and the transactions contemplated hereby; and to carry out its obligations under this Lease. (c) The officers of Lessee executing this Lease and the documents contemplated hereby have been duly authorized to execute and deliver this Lease and related documents under the terms and provisions of a resolution of Lessee’s governing body or by other appropriate official action. (d) Lessee has complied with all open meeting laws, all public bidding laws and all other State and Federal Laws applicable to this Lease and the acquisition of the Project by Lessee. (e) Except as provided under the terms of this Lease, Lessee will not transfer, lease, assign, mortgage or encumber the Project. (f) During the Term of this Lease, Lessee will not take or permit to be taken any action with respect to the Lease or the Project which would cause the interest received by the holders of the Bonds to become includable in gross income of such recipients for federal income tax purposes under the Code and Lessee will take all actions necessary to ensure that such interest remains not includable in gross income of such recipients for federal income tax purposes under the Code, insofar as it has the power and authority to do so. (g) Lessee may accomplish any of its obligations herein by an agent. Section 2.2. Representations Covenants and Warranties of Lessor. Lessor represents, covenants and warrants as follows: (a) Lessor is a public body, corporate and politic duly organized, existing and in good standing under the laws of the State; has full and complete power to issue the Bonds and to enter into this Lease and to enter into and carry out the transactions contemplated hereby, and to carry out its obligations under, this Lease; is possessed of full power to own and hold real and personal property, and to lease the same; and has duly authorized the issuance and delivery of the Bonds and the execution and delivery of this Lease. 8 (b) Neither the issuance and delivery of the Bonds nor the execution and delivery of this Lease, nor the fulfillment of or compliance with the terms and conditions hereof, nor the consummation of the transactions contemplated hereby, conflicts with or results in a breach of the terms, conditions or provisions of any law, regulation, restriction or any agreement or instrument to which Lessor is now a party or by which Lessor or its property is bound, or constitutes a default under any of the foregoing, or results in the creation or imposition of any lien, charge or encumbrance whatsoever upon any of the property or assets of Lessor, or upon the Project, except Permitted Encumbrances. (c) Upon payment by Lessee of the amounts described in Section 10.1 hereof or the defeasance of Lessee’s obligations hereunder pursuant to Article X hereof, Lessor will deliver to Lessee all documents which are or may be necessary to vest all of Lessor’s right, title and interest in and to the Project in Lessee, and will release all liens and encumbrances created under this Lease. (d) During the Term of this Lease, Lessor will not take or permit to be taken any action with respect to the Lease or the Project which would cause the interest received by the holders of the Bonds to become includable in gross income of such recipients for federal income tax purposes under the Code and Lessee will take all actions necessary to ensure that such interest remains not includable in gross income of such recipients for federal income tax purposes under the Code, insofar as it has the power and authority to do so. 9 ARTICLE III AGREEMENT TO LEASE Section 3.1. Lease. Lessor hereby leases, with an option to purchase, the Project to Lessee, and Lessee hereby leases, with an option to purchase, the Project from Lessor, upon the terms and conditions set forth in this Lease. Section 3.2. Possession and Enjoyment. Lessor hereby covenants with respect to the Project to provide Lessee during the Term of this Lease with quiet use and enjoyment of the Project, and Lessee shall during such Lease Term peaceably and quietly have and hold and enjoy the Project, without suit, trouble or hindrance from Lessor, except as expressly set forth in this Lease. Lessor will, at the request of Lessee and at Lessee’s cost, join in any legal action in which Lessee asserts its right to such possession and enjoyment to the extent Lessor may lawfully do so. Section 3.3. Lessor Access to Project. Lessee agrees that Lessor shall have the right during Lessee’s normal working hours on Lessee’s normal working days to enter on and examine and inspect the Project for the purpose of assuring that the Project is being properly maintained, preserved and kept in good repair and condition. Lessee further agrees that Lessor shall have such rights of access to the Project as may be reasonably necessary to cause the proper maintenance of the Project in the event of failure by Lessee to perform its obligations hereunder. 10 ARTICLE IV TERM OF LEASE Section 4.1. Term of Lease. This Lease shall be and remain in effect with respect to the Project for a Lease Term commencing on the date of execution hereof and continuing until terminated as provided in Section 4.2. Section 4.2. Termination of Lease Term. The Term of this Lease will terminate upon the occurrence of the first of the following events: (a) the termination by Lessee of its obligation to make any further Rental Payments in accordance with Section 6.1; (b) the exercise by Lessee of its option to purchase Lessor’s interest in the Project or to defease its obligations hereunder pursuant to Article X; (c) a default by Lessee and Lessor’s election to terminate this Lease pursuant to Article XII; or (d) the payment by Lessee of all Rental Payments required to be paid by Lessee hereunder. 11 ARTICLE V RENTAL PAYMENTS Section 5.1. Rental Payments. Lessee shall pay semiannual Rental Payments with respect to the Project, as set forth in Exhibit B, three business days (if by check) and one business day (if by wire) prior to the dates that payments are due on the Bonds, as further described in the Indenture. The Rental Payments shall be payable to the Trustee, as assignee of the Lessor, at its address specified Section 14.08 of the Indenture. The Lessee shall also pay, as additional Rental Payments, any amounts necessary to restore the balance on hand in the Debt Service Reserve Fund to the Debt Service Reserve Requirement pursuant to Section 5.02 of the Indenture. Section 5.2. Current Expense. The obligations of Lessee under this Lease, including its obligation to pay the Rental Payments due with respect to the Project in any Fiscal Year for which this Lease is in effect, shall constitute a current expense of Lessee for such Fiscal Year and shall not constitute an indebtedness of Lessee within the meaning of the Constitution and laws of the State. Nothing herein shall constitute a pledge by Lessee of any taxes or other moneys, other than moneys lawfully appropriated from time to time by or for the benefit of Lessee in its annual budget, the proceeds or Net Proceeds of the Project, to the payment of any Rental Payment or other amount coming due hereunder. Section 5.3. Rental Payments to be Unconditional. Except as provided in Section 6.1, the obligation of Lessee to make Rental Payments due with respect to the Project or any other payments required hereunder shall be absolute and unconditional in all events. Notwithstanding any dispute between Lessee and Lessor or any other person, Lessee shall make all Rental Payments and other payments required hereunder when due and shall not withhold any Rental Payment or other payment pending final resolution of such dispute nor shall Lessee assert any right of set-off or counterclaim against its obligation to make such Rental Payments or other payments required under this Lease. Lessee’s obligation to make Rental Payments or other payments during the Lease Term shall not be abated through accident or unforeseen circumstances. However, nothing herein shall be construed to release Lessor from the performance of its obligations hereunder, and if Lessor should fail to perform any such obligation, Lessee may institute such legal action against Lessor as Lessee may deem necessary to compel the performance of such obligation or to recover damages therefor. Section 5.4. Reserved. Section 5.5. Intent to Continue Rental Payments; Appropriations. Lessee presently intends to continue this Lease for the entire Term of this Lease and to pay all Rental Payments required hereunder. Lessee reasonably and in good faith believes that amounts sufficient to pay all Rental Payments due hereunder can and will lawfully be appropriated or budgeted and made available for this purpose during the Lease Term. 12 ARTICLE VI NONAPPROPRIATION Section 6.1. Termination of Lease. Lessee shall have the right to cancel and terminate this Lease, in whole but not in part, effective at the end of any Fiscal Year of Lessee, in the manner and subject to the terms specified in this Section and Section 6.3, if Lessee is not authorized by law to appropriate or does not appropriate moneys sufficient to pay the Rental Payments coming due in the next Fiscal Year. Lack of a sufficient appropriation shall be evidenced by a specific provision in Lessee’s budget for the Fiscal Year in question so stating. Lessee may effect such termination by giving to Lessor a written notice of nonappropriation and termination and by paying to Lessor any Rental Payments which are due and have not been paid at or before the end of its then current Fiscal Year. Lessee shall endeavor to give notice of termination not less than sixty (60) days prior to the end of such Fiscal Year, and shall notify Lessor of any anticipated termination. Section 6.2. Return of Project. In the event of termination of this Lease as provided in Section 6.1, Lessee shall surrender possession of the Project to Lessor in accordance with Section 12.3, and release its interest in the same, as granted under this Lease, within 10 days after the termination of this Lease. Section 6.3. Effect of Termination. Upon termination of Lessee’s obligation to make Rental Payments as provided in Section 6.1, Lessee shall not be responsible for the payment of any additional Rental Payments coming due with respect to succeeding Fiscal Years, but if Lessee has not surrendered possession of the Project to Lessor in accordance with Sections 6.2 and 12.3, the termination shall nevertheless be effective, but Lessee shall be responsible for the payment of damages in an amount equal to the amount of the Rental Payments thereafter coming due under Exhibit B which are attributable to the number of days during which Lessee fails to take such actions. Upon termination of this Lease as provided in Section 6.1, the Trustee, as directed by and on behalf of the Lessor, shall thereafter use its best efforts to sell or lease its interest in the Project or any portion thereof in a commercially reasonable manner in accordance with applicable State laws and apply the proceeds of such lease or sale shall be applied in accordance with the Indenture; provided, however, that a termination pursuant to Section 6.1 is not an event of default hereunder. Section 6.4. Reserved. 13 ARTICLE VII MAINTENANCE; TAXES; INSURANCE; AND OTHER MATTERS Section 7.1. Maintenance and Modification of Project by Lessee. Lessee shall, at its own expense, maintain, preserve and keep the Project in good repair, working order and condition, and shall from time to time make all repairs, replacements and improvements necessary to keep the Project in such condition. Lessor shall have no responsibility for any of these repairs, replacements or improvements. In addition, Lessee shall, at its own expense, have the right to remodel the Project or to make additions, modifications and improvements thereto. All such additions, modifications and improvements shall thereafter comprise part of the Project and be subject to the provisions of this Lease. Such additions, modifications and improvements shall not in any way damage the Project nor cause it to be used for purposes other than those authorized under the provisions of State law, and the Project, upon completion of any additions, modifications and improvements made pursuant to this Section, shall be of a value not less than the value of the Project immediately prior to the making of such additions, modifications and improvements. Any property for which a substitution or replacement is made pursuant to this Section may be disposed of by Lessee in such manner and on such terms as are determined by Lessee. Lessee will not permit any mechanic’s or other lien to be established or remain against the Project for labor or material furnished in connection with any remodeling, additions, modifications, improvements, repairs, renewals or replacements made by Lessee pursuant to this Section; provided that if any such lien is established and Lessee shall first notify Lessor of Lessee’s intention to do so, Lessee may in good faith contest any lien filed or established against the Project, and in such event may permit the items so contested to remain undischarged and unsatisfied during the period of such contest and any appeal therefrom unless Lessor shall notify Lessee that, in the opinion of Independent Counsel, by nonpayment of such item the interest of Lessor in the Project will be materially endangered or the Project or any part thereof will be subject to loss or forfeiture, in which event Lessee shall promptly pay and cause to be satisfied and discharged all such unpaid items or provide Lessor with full security against any such loss or forfeiture, in form satisfactory to Lessor. Lessor will cooperate fully with Lessee in any such contest, upon the request and at the expense of Lessee. Section 7.2. Taxes, Other Government Charges and Utility Charges. Lessee shall also pay when due all gas, water, steam, electricity, heat, power, telephone, and other charges incurred in the operation, maintenance, use, occupancy and upkeep of the Project. Lessee shall also pay all property and excise taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed or levied against or with respect to the Project or any part thereof, and which become due during the Term of this Lease with respect thereto, and all special assessments and charges lawfully made by any governmental body for public improvements that may be secured by a lien on the Project; provided that with respect to special assessments or other governmental charges that may lawfully be paid in installments over a period of years, Lessee shall be obligated to pay only such installments as are required to be paid during the Term of this Lease as and when the same become due. Lessee may, at Lessee’s expense and in Lessee’s name, in good faith contest any such taxes, assessments, utility and other charges and, in the event of any such contest, may permit the taxes, assessments or other charges so contested to remain unpaid during the period of such 14 contest and any appeal therefrom unless Lessor shall notify Lessee that, in the opinion of Independent Counsel, by nonpayment of any such items the interest of Lessor in the Project will be materially endangered or the Project or any part thereof will be subject to loss or forfeiture, in which event Lessee shall promptly pay such taxes, assessments or charges or provide Lessor with full security against any loss which may result from nonpayment, in form satisfactory to Lessor. Section 7.3. Liability Insurance. Upon receipt of possession of the Project, the Lessee shall take such measures as may be necessary to ensure that any liability for injuries to or death of any person or damage to or loss of property arising out of or in any way relating to the condition or the operation of the Project or any part thereof, is covered by a blanket or other general liability insurance policy maintained by the Lessee. The Net Proceeds of all such insurance shall be applied toward extinguishment or satisfaction of the liability with respect to which any Net Proceeds may be paid. Section 7.4. Lessee’s Negligence. Lessee assumes all risks and liabilities, whether or not covered by insurance, for loss or damage to the Project and for injury to or death of any person or damage to any property, whether such injury or death be with respect to agents or employees of Lessee or of third parties, and whether such property damage be to Lessee’s property or the property of others, which is proximately caused by the negligent conduct of Lessee, its officers, employees and agents. Lessee hereby assumes responsibility for and agrees to reimburse Lessor and Trustee for all liabilities, obligations, losses, damages, penalties, claims, actions, costs and expenses (including reasonable attorney’s fees) whatsoever kind and nature, imposed on, incurred by or asserted against Lessor or Trustee that in any way relate to or arise out of a claim, suit or proceeding based in whole or in part upon the negligent conduct of Lessee, its officers, employees and agents, to the maximum extent permitted by law. Section 7.5. Property Insurance. Upon receipt of possession of the Project, the Lessee shall have and assume the risk of loss with respect thereto. The Lessee shall procure and maintain continuously in effect during the Lease Term, all-risk insurance, subject only to the standard exclusions contained in the policy, in such amount as will be at least sufficient so that a claim may be made for the full replacement cost of any part thereof damaged or destroyed and to pay the applicable purchase price of the Project as set forth in Section 10.1. Such insurance may be provided by a rider to an existing policy or under a separate policy. Such insurance may be written with customary deductible amounts. The Net Proceeds of insurance required by this Section shall be applied to the prompt repair, restoration or replacement of the Project, or to the purchase of the Project, as provided in Section 8.1. Any Net Proceeds not needed for those purposes shall be paid to the Lessee. Section 7.6. Worker’s Compensation Insurance. If required by State law, the Lessee shall carry worker’s compensation insurance covering all its employees on, in, near or about the Project. Alternatively, the Lessee may self-insure against such liabilities in accordance with applicable law. Section 7.7. Other Insurance and Requirements for All Insurance. All insurance required by this Article may be carried under a separate policy or a rider or endorsement; shall be taken out and maintained with responsible insurance companies organized under the laws of one 15 of the states of the United States and qualified to do business in the State; shall contain a provision that the insurer shall not cancel or revise coverage thereunder without giving written notice to all parties at least ten (10) days before the cancellation or revision becomes effective; and shall name Lessee and Lessor as insured parties. Lessee shall deposit with Lessor policies evidencing any such insurance procured by it, or a certificate or certificates of the respective insurers stating that such insurance is in full force and effect. Before the expiration of any such policy, Lessee shall furnish to Lessor evidence that the policy has been renewed or replaced by another policy conforming to the provisions of this Article, unless such insurance is no longer obtainable in which event Lessee shall notify Lessor of this fact. Section 7.8. Advances. If Lessee shall fail to perform any of its obligations under this Lease, Lessor may, but shall not be obligated to take such action as may be necessary to cure such failure, including the advancement of money, and Lessee shall be obligated to repay all such advances on demand with interest at the maximum rate permitted by law or 12%, whichever is less, from the date of the advance to the date of repayment. Section 7.9. Liens. Lessee shall not, directly or indirectly, create, incur, assume or suffer to exist any mortgage, pledge, lien, charge, encumbrance or claim on or with respect to the Project, other than the respective rights of Lessor and Lessee as herein provided and Permitted Encumbrances. Except as expressly provided in this Article, Lessee shall promptly, at its own expense, take such action as may be necessary duly to discharge or remove any such mortgage, pledge, lien, charge, encumbrance or claim. Section 7.10. Rebate. The Lessor and Lessee acknowledge that the Bonds are subject to the rebate requirements of Section 148(f) of the Code. The Lessee covenants and agrees to retain such records, make such determinations, file such reports and documents and pay such amounts at such times as are required under said Section 148(f) and applicable regulations, unless the Bonds qualify for an exception from the rebate requirement pursuant to one of the spending exceptions set forth in Section 1.148-7 of the regulations promulgated under the Code and no “gross proceeds” of the Bonds (other than amounts constituting a “bona fide debt service fund”) arise during or after the expenditure of the original proceeds thereof. 16 ARTICLE VIII DAMAGE, DESTRUCTION AND CONDEMNATION; USE OF NET PROCEEDS Section 8.1. Damage, Destruction and Condemnation. If (i) more than 25% of the value of the Project or any portion thereof is destroyed or is damaged by fire or other casualty, or (ii) title to or the temporary use of the Project or any part thereof, or the interest of Lessee or Lessor in the Project or any part thereof, shall be taken under the exercise of the power of eminent domain by any governmental body or by any person, firm or corporation acting under governmental authority, Lessee, unless it has determined to terminate this Lease in accordance with Section 6.1 hereof, shall be entitled to the Net Proceeds of any insurance or condemnation award and shall apply such Net Proceeds (x) to the prompt repair, restoration, modification or improvement of the Project by Lessee, in which event Lessee shall be obligated to continue to pay the Rental Payments due with respect to the Project, or (y) to the payment of the applicable prepayment price in accordance with Article X. In the event the Lessee has determined to terminate this Lease in accordance with Section 6.1 hereof, the Lessee shall turn over such Net Proceeds to the Lessor. Section 8.2. Cooperation of Lessor. Lessor shall cooperate fully with Lessee at the expense of Lessee in filing any proof of loss with respect to any insurance policy covering the casualties described in Section 8.1 hereof and in the prosecution or defense of any prospective or pending condemnation proceeding with respect to the Project or any part thereof and will, to the extent it may lawfully do so, permit Lessee to litigate in any proceeding resulting therefrom in the name of and on behalf of Lessor. In no event will Lessor voluntarily settle, or consent to the settlement of, any proceeding arising out of any insurance claim or any prospective or pending condemnation proceeding with respect to the Project or any part thereof without the written consent of Lessee. Section 8.3. Condemnation of Other Property Owned by Lessee. Lessee shall be entitled to the Net Proceeds of any condemnation award or portion thereof made for destruction of, damage to or taking of its property not included in the Project. 17 ARTICLE IX LESSEE’S EQUIPMENT; WARRANTIES Section 9.1. Installation of Lessee’s Equipment. Lessee may at any time and from time to time, in its sole discretion and its own expense, install items of moveable machinery, standard office partition, railings, doors, lighting fixtures, and such other equipment as may in Lessee’s judgment be necessary for its purposes, in or upon the Project. All such items shall remain the sole property of Lessee, in which Lessor shall have no interest, and may be modified or removed by Lessee at any time provided that Lessee shall repair and restore any and all damage to the Project resulting from the installation, modification or removal of any such items. Nothing in this Lease shall prevent Lessee from purchasing items to be installed pursuant to this Section under a conditional sale or lease with option to purchase contract, or subject to a vendor’s lien or security agreement, as security for the unpaid portion of the purchase price thereof, provided that no such lien or security interest shall attach to any part of the Project. Section 9.2. Reserved. Section 9.3. Reserved. Section 9.4. Warranties. Lessor hereby assigns to Lessee for and during the Term of this Lease, all of its interest in all warranties and guarantees or other contract rights against any architect, contractor or manufacturer for the Project, expressed or implied, issued on or applicable to the Project, and Lessor hereby authorizes Lessee to obtain the customary services furnished in connection with such warranties and guarantees at Lessee’s expense. Lessee’s sole remedy for the breach of such warranties and guarantees shall be against the manufacturer or supplier of such portion of the Project or such contractor or architect, and not against Lessor, nor shall such matter have any effect whatsoever on the rights of the Lessor with respect to this Lease, including the right to receive full and timely payments hereunder. Lessee expressly acknowledges that Lessor does not make and has not made any representation or warranty whatsoever as to the existence or availability of such warranties with respect to the Project or any portion thereof. Section 9.5. Disclaimer of Warranties. LESSOR MAKES NO WARRANTY OR REPRESENTATION, EITHER EXPRESSED OR IMPLIED, AS TO THE VALUE, DESIGN, CONDITION, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR FITNESS FOR THE USE CONTEMPLATED BY LESSEE OF THE PROJECT, OR ANY OTHER REPRESENTATION OR WARRANTY WITH RESPECT TO THE PROJECT. In no event shall Lessor be liable for any incidental, indirect, special or consequential damage in connection with or arising out of this Lease or the existence, furnishing, functioning or Lessee’s use of any portion of the Project provided for in this Lease. 18 ARTICLE X OPTION TO PURCHASE Section 10.1. When Available. Lessee shall have the option to purchase Lessor’s interest in the Project (i) on any Payment Date on or after [________, 202_], but only if Lessee is not in default under this Lease, and (ii) on any date pursuant to the events described in Section 8.1 hereof, and only in the manner provided in this Article, at a price equal to the principal amount of Rental Payments outstanding, plus accrued interest to the date of prepayment. Section 10.2. Exercise of Option. Lessee shall give notice to Lessor of its intention to exercise its option not less than forty-five (45) days prior to the Payment Date on which the option is to be exercised, and shall deposit with Lessor on the date of exercise an amount equal to all Rental Payments and any other amounts then due or past due. The closing shall be on the Payment Date on which the option is to be exercised at the office of Lessor. Section 10.3. Release of Lessor’s Interest. Upon exercise by Lessee of its option to purchase, Lessee shall have no further obligations under this Lease and Lessor and its officers shall take all actions necessary to authorize, execute and deliver to Lessee any and all documents necessary to vest in Lessee, all of Lessor’s right, title and interest in and to the Project, free and clear of all liens, leasehold interest and encumbrances arising under the provisions of this Lease. Section 10.4. Defeasance. Lessee shall have the right to defease and satisfy its obligations to pay Rental Payments due under this Lease, in the manner and with the effect provided in this Section; but such right may only be exercised if Lessee is not in default under the Lease, or if the exercise of such right would cure such default. If the whole amount of the Rental Payments due and payable under this Lease shall be paid, or provision shall have been made for the payment of the same by the deposit of cash or the Qualified Investments in an amount sufficient (together with interest earnings thereon) to provide for payment of said Rental Payments to the last Payment Date, or earlier Payment Date on which the option to purchase of Lessee may be exercised, and all administrative expenses related thereto shall have been paid or provided for, then, and in that case, all right, title and interest of Lessor in and to the Project, this Lease and the Rental Payments due hereunder shall thereupon cease, terminate and become void; and Lessor shall assign and transfer to or upon the order of Lessee all rights in the Project and this Lease then held by Lessor, and shall execute such documents as may be reasonably required by Lessee for this purpose; and thereafter the Rental Payments due hereunder shall be payable solely from the moneys and securities so deposited. 19 ARTICLE XI ASSIGNMENT, SUBLEASING, MORTGAGING AND SELLING Section 11.1. Assignment by Lessor. Lessor shall not assign its obligations under this Lease, and no purported assignment thereof shall be effective. All of Lessor’s rights, title and/or interest in and to this Lease, the Rental Payments and other amounts due hereunder and the Project may not be assigned except to a trustee or other fiduciary for the holders of the Bonds. Section 11.2. Assignment and Subleasing by Lessee. This Lease may not be assigned or subleased by Lessee without the written consent of Lessor. Section 11.3. Restriction on Mortgage or Sale of Project by Lessee. Lessee will not mortgage, sell, assign, transfer or convey the Project or any portion thereof during the Term of this Lease without the written consent of Lessor. 20 ARTICLE XII EVENTS OF DEFAULT AND REMEDIES Section 12.1. Events of Default Defined. The following shall be “events of default” under this Lease and the terms “events of default” and “default” shall mean, whenever they are used in this Lease, with respect to the Project, any one or more of the following events: (a) Failure by Lessee to pay any Rental Payment or other payment required to be paid hereunder on the due date specified herein and the continuation of said failure for a period of three (3) business days after written notice given by Lessor that the payment referred to in such notice has not been received. (b) Failure by Lessee to observe and perform any covenant, condition or agreement on its part to be observed or performed, other than as referred to in clause (i) of this Section, for a period of thirty (30) days after written notice specifying such failure and requesting that it be remedied has been given to Lessee by Lessor, unless Lessor shall agree in writing to an extension of such time prior to its expiration; provided, however, if the failure stated in the notice cannot be corrected within the applicable period, Lessor will not unreasonably withhold its consent to an extension of such time if corrective action is instituted by Lessee within the applicable period and diligently pursued until the default is corrected. (c) The filing by Lessee of a voluntary petition in bankruptcy, or failure by Lessee promptly to lift any execution, garnishment or attachment of such consequence as would impair the ability of Lessee to carry on its operations at the Project, or adjudication of Lessee as a bankrupt, or assignment by Lessee into an agreement of composition with creditors, or the approval by a court of competent jurisdiction of a petition applicable to Lessee in any proceedings instituted under the provisions of the Federal Bankruptcy Statute, as amended, or under any similar acts which may hereafter be enacted. The provisions of this Section 12.1 and Section 12.2 are subject to the following limitation: if by reason of force majeure Lessee is unable in whole or part to carry out its obligations under this Lease with respect to the Project, other than the obligation of Lessee to pay Rental Payments with respect thereto which shall be paid when due notwithstanding the provisions of this paragraph, Lessor or Lessee shall not be deemed in default during the continuance of such inability. The term “force majeure” as used herein shall mean, without limitation, the following: acts of God; strikes, lockouts or other industrial disturbances; acts of public enemies; orders or restraints of any kind of the government of the United States of America or any of its departments, agencies or officials, or any civil or military authority; insurrections; riots; landslides; earthquakes; fires; storms; droughts; floods; explosions; breakage or accident to machinery, transmission pipes or canals; or any other cause of event not reasonably within the control of Lessee and not resulting from its negligence. Lessee agrees, however, to remedy with all reasonable dispatch the cause or causes preventing it from carrying out its obligations under this Lease; provided that the settlement of strikes, lockouts and other industrial disturbances shall be entirely within the discretion of Lessee and Lessee shall not be required to make settlement of strikes, lockouts and other industrial disturbances by acceding to 21 the demands of the opposing party or parties when such course is in its judgment unfavorable to Lessee. Notwithstanding anything contained in this Section 12.1 to the contrary, a failure by Lessee to pay when due any payment required to be made under this Lease or a failure by Lessee to observe and perform any covenant, condition or agreement on its part to be observed or performed under this Lease, resulting from Lessee’s termination of the Lease as contemplated by Section 6.1 hereof, shall not constitute an event of default under this Section 12.1. Section 12.2. Remedies on Default. Whenever any event of default referred to in Section 12.1 hereof shall have happened and be continuing with respect to the Project, Lessor shall have the right, at its option and without any further demand or notice, to take one or any combination of the following remedial steps: (a) With or without terminating this Lease, re-enter and take possession of the Project and exclude Lessee from using it; provided, however, that if this Lease has not been terminated, Lessor shall return possession of the Project to Lessee when the event of default is cured; and provided further that Lessee shall continue to be responsible for the Rental Payments due during the Fiscal Year then in effect; or (b) With or without terminating this Lease, re-enter and take possession of the Project, and sell its interest in, lease or sublease the Project or any part of it, holding Lessee liable for the difference between (a) the sales price, rent and other amounts paid by the purchaser, lessee or sublessee pursuant to such sales agreement, lease or sublease (b) the balance of the Rental Payments and other amounts owed by Lessee during its the current fiscal year, provided, however, that nothing contained herein shall impose an obligation upon Lessor so to sell its interest in, lease or sublease the Project; or (c) With or without terminating this Lease, declare all Rental Payments due or to become due during the Fiscal Year of Lessee in effect when the default occurs to be immediately due and payable by Lessee, whereupon such Rental Payments shall be immediately due and payable; or (d) Take whatever action at law or in equity may appear necessary or desirable to collect the Rental Payments then due and thereafter to become due during the then current Fiscal Year of Lessee with respect to the Project, or enforce performance and observance of any obligation, agreement or covenant of Lessee under this Lease. Section 12.3. Return of Project. Upon the expiration or termination of this Lease prior to the payment of all Rental Payments in accordance with Exhibit B, Lessee shall deliver possession of the Project to Lessor in the condition, repair, appearance and working order required in Section 7.1. Section 12.4. Delay; Notice. No delay or omission to exercise any right or power accruing upon any default shall impair any such right or power or shall be construed to be a waiver thereof, but any such right and power may be exercised from time to time and as often as may be deemed expedient. In order to entitle any party to exercise any remedy reserved to it in 22 this Lease it shall not be necessary to give any notice, other than such notice as may be required in this Lease. Section 12.5. No Remedy Exclusive. No remedy herein conferred upon or reserved to Lessor is intended to be exclusive and every such remedy shall be cumulative and shall be in addition to every other remedy given under this Lease or now or hereafter existing at law or in equity. No delay or omission to exercise any right or power accruing upon any default shall impair any such right or power or shall be construed to be a waiver thereof, but any such right and power may be exercised from time to time and as often as may be deemed expedient. Section 12.6. Agreement to Pay Attorneys’ Fees and Expenses. In the event either party to this Lease should default under any of the provisions hereof and the non defaulting party should employ attorneys or incur other expenses for the collection of moneys or the enforcement or performance or observance of any obligation or agreement on the part of the defaulting party herein contained, the defaulting party agrees that it will on demand therefore pay to the non- defaulting party the reasonable fee of such attorneys and such other expenses so incurred by the nondefaulting party. Section 12.7. No Additional Waiver Implied By One Waiver. In the event any agreement contained in this Lease should be breached by either party and thereafter waived by the other party, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other breach hereunder. 23 ARTICLE XIII TITLE Section 13.1. Title to Project. During the Term of this Lease, legal title to the Project and any and all repairs, replacements, substitutions and modifications thereto shall be in Lessor, subject to Lessee’s interests under this Lease. Upon termination of this Lease for either of the reasons specified in Section 4.2, Clauses (b) and (d), Lessor shall transfer legal title to the Project to Lessee and Lessor shall have no further interest therein. In either of such events, Lessor shall execute and deliver to Lessee such documents as Lessee may request to evidence such transfer of legal title to the Project to Lessee. Upon termination of this Lease for either of the reasons specified in Section 4.2, Clauses (a) and (c), Lessee shall surrender possession of the Project to Lessor and shall have no further interest therein. In either of such events Lessee shall execute and deliver to Lessor such documents as Lessor may request to evidence the termination of Lessee’s interest in the Project. Section 13.2. Security Interest. Lessor shall have and retain a security interest under the Uniform Commercial Code in any portion of the Project constituting personal property or fixtures, the proceeds thereof and all repairs, replacements, substitutions and modifications thereto or thereof made pursuant to Section 7.1, in order to secure Lessee’s payment of all Rental Payments due during the Term of this Lease and the performance of all other obligations herein to be performed by Lessee. Lessee will join with Lessor in executing such financing statements or other documents and will perform such acts as Lessor may request to establish and maintain a valid security interest in such personal property or fixtures. If requested by Lessor, Lessee shall conspicuously mark such personal property or fixtures with appropriate lettering, labels or tags, and maintain such markings during the Term of this Lease, so as clearly to disclose Lessor’s security interest in such personal property or fixtures. 24 ARTICLE XIV ISSUANCE OF THE BONDS Section 14.1. Agreement to Issue Bonds; Application of Bond Proceeds. In order to provide funds for payment of the costs of refunding the Series 2007 Bonds, the Lessor has, or will have, upon or promptly after the execution of this Lease, issued and delivered to the initial purchaser thereof the Bonds, and the Lessor has or will have deposited proceeds of the Bonds as described in Section 4.01 of the Indenture. 25 ARTICLE XV ADMINISTRATIVE PROVISIONS Section 15.1. Notices. All notices, certificates or other communications hereunder shall be sufficiently given and shall be deemed given on the earlier of (i) delivery or (ii) three days following deposit in the United States mail in certified or registered form with postage fully prepaid to the addresses shown in the first paragraph hereof. Lessor and Lessee, by notice given hereunder, may designate different addresses to which subsequent notices, certificates or other communications will be sent. Section 15.2. Binding Effect. This Lease shall inure to the benefit of and shall be binding upon Lessor and Lessee and their respective successors and assigns. Section 15.3. Severability. In the event any provision of this Lease shall be held invalid or unenforceable by any court of competent jurisdiction, such holding shall not invalidate or render unenforceable any other provision hereof. Section 15.4. Amendments, Charges and Modifications. This Lease may be amended or any of its terms modified only by written amendment authorized and executed by Lessee and Lessor. Section 15.5. Further Assurances and Corrective Instruments. Lessor and Lessee agree that they will, if necessary, execute, acknowledge and deliver, or cause to be executed, acknowledged and delivered, such supplements hereto and such further instruments as may reasonably be required for correcting any inadequate or incorrect description of the Project hereby leased or intended so to be or for carrying out the expressed intention of this Lease. Section 15.6. Execution in Counterparts. This Lease may be simultaneously executed in several counterparts each of which shall be an original and all of which shall constitute but one and the same instrument. Section 15.7. Applicable Law. This Lease shall be governed by and construed in accordance with the laws of the State. Section 15.8. Lessor and Lessee Representatives. Whenever under the provisions of this Lease the approval of Lessor or Lessee is required, or Lessor or Lessee is required to take some action at the request of the other, such approval of such request shall be given for Lessor by a Lessor Representative and for Lessee by a Lessee Representative, and any party hereto shall be authorized to rely upon any such approval or request. Section 15.9. Captions. The captions or headings in this Lease are for convenience only and in no way define, limit or describe the scope or intent of any provisions or Sections of this Lease. S-1 IN WITNESS WHEREOF, Lessor has caused this Lease to be executed in its corporate name by its duly authorized officers, and Lessee has caused this Lease to be executed in its name by its duly authorized officers, as of the date first above written. Lessor: HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF LAKEVILLE By Chair Attest Executive Director STATE OF MINNESOTA ) ) ss. COUNTY OF DAKOTA ) The foregoing instrument was acknowledged before me this ______ day of _____________, 2017, by Bart Davis and Justin Miller, the Chair and Executive Director, respectively, of the Housing and Redevelopment Authority of the City of Lakeville, Minnesota, on behalf of such Authority. IN WITNESS WHEREOF I have hereunto set my hand and official seal. Notary Public (SEAL) [Signature Page – Lease-Purchase Agreement] S-2 Lessee: CITY OF LAKEVILLE, MINNESOTA By Mayor And City Clerk STATE OF MINNESOTA ) ) ss. COUNTY OF DAKOTA ) The foregoing instrument was acknowledged before me this ____ day of __________, 2016, by Douglas P. Anderson and Charlene Friedges, the Mayor and City Clerk, respectively, of the City of Lakeville, Minnesota, on behalf of the City. IN WITNESS WHEREOF I have hereunto set my hand and official seal. Notary Public (SEAL) [Signature Page – Lease-Purchase Agreement] A-1 EXHIBIT A DESCRIPTION OF LAND B-1 EXHIBIT B RENTAL PAYMENT SCHEDULE PAYMENT DATE* PRINCIPAL PORTION INTEREST PORTION TOTAL RENTAL PAYMENT DUE DEBT SERVICE RESERVE FUND** NET DEBT SERVICE * Payment due prior to this date as provided in Section 5.1 of the Lease. ** [Funds available in the Debt Service Reserve Fund may be used to pay principal and interest due. See Section 5.02 of the Indenture. In the event such funds are not available, Rental Payments shall be paid from other available funds pursuant to Article V of the Lease.]