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HomeMy WebLinkAbout20081006 - VI-10MEMO - - TO': Honorable Mayor and City Council Members FROM: Charlene A. Stark, Finance Director ('~wt.~,vK RE: Resolutions and Recommendations for-$3,095,000 GO {mprovement Bonds, 2008A and $360,000 Equipment Certificates, 2008B, DATE: September 30, 2008. Attached for Council approval are the Recommendations providing fok the sale of these bonds, as prepared,by the City's financial advisors, Brenda Krueger of Springsted Inc. and Resolutions for the set sale date by tho City's bond council,` Mary Dryseth of Briggs and Morgan. A change was made after the recommendations were provided to me for council and don't include that the Vermillion 61 wall project will be bonded through` the debt provision in the city charter rather then a Chapter 429'bond issue as is usually tlone with the city's street improvements. This change will not affect cost to the city only procedural changes. The improvement bonds will finance the 2008 road construction projects and;the equipment bonds will finance the` equipment that was authorized in the 2008 budget. I have included the debt management ratios that were adopted by city council and have included how #hese two debt issues will affect the city's debt ratios. If you should .have any questions, please feel free to contact me Recommended Council Action' Approve the attached three Resolutions providing for the sale of $3,105,Q00 GO Improvement Bonds,'Series 2008A, $360,000 Certificate of Equipment Bonds 20086 and invoking the charter provision for debf issuance. Set the sale date of the bonds to be November 6th. f.^i1~ of ;i,~atl"~~ ~ ~c~~ FsUrL't `. east E ~ li °, ~ ~':;~:; ~~-;1~~~~ " u~;E ~l-_~LLr-~~~ ~~! * f:r~~1.-~;3"i ~~~ =_~ 5','t~a~.~t,F~t1n~:~.~'iri. 3 m N m C m N c a m m a O ~G) ~ ~ ~ X ' ~ ~ ~C ~,p 00 N N X X ~ ( (~ C N N Cj Q~ > p7 p ~ ~ p. 0 7 N .O-. ~ d ~ O O N j N N E D N~ ( O W O. , ~ z O- X O _ C N n ~ O ( ~ (D y N ~ VI d (D (D X~~ C N ~ O Q n CD ( N y CT ~ N Q n _ . p d 3 ~ O N C O C X 0 6 M - N N (D 7 ty ~ O' ~ Q N A U1 ~ IN N p O D C o N p~ ~ N N O N 'O fNN ~ N O \ 6 7 7 .N .. (D CD O N -w 2 O ^ O ,0.,, ~ ~ ~ N ~ lNii 3 O au ~ o ~~ Go o g w - O N Q CU X O y C1 - C ~ SU - C CA !O ~ ~ ~ O fD (D - (D - N - a m o w o V x~ m o Q n a v ~ ~ 0 0 "o m ~ ~ m N ~ O N N N N .2 O O O O O O O O CO Oo V O ~o r ~ a N Ti .P C W W W CD CO 00 Ut O OJ C7~OO ~ W .P o O N o 0 0 W S W ^--s ~ ~ A ~ N D tll m a pWj ~;. W W ~ N ~ O ~ ~ O <T ~~j 07 N O co O O O ? O W O O O CO V ~'I CD V V ~ D ~ ~ ~ L7 ~ (~ O L.:. O CJl ',. ~ CT 7 W O O ° N Q; o o o fn c> m o V v a. C OOD ( .? CWT COT O ~ . ~ N W O N d CD O CA ,-. (D O O O 0 0 0 O O . ~. O ~ ~ O O W N N j _ ^+' O A ~ ~ J G7 ~ a C O ~ y C7 W _ O O 01 O O O O O O O O O O Vt N D N j ? ~ O) ~ ~ 0 A O O1 U1 O Co O O C~ O O O O Vt U7 O OD W N_ ~A O O O N "fl N Ci cmi `~ o °, 0 ~ m ci v ~ ~~ O. CR fD Q' .Z1 N O N W N_ Ut O O O Recommendations For City of Hastings, Minnesota $3,105,000* General Obligation Improvement Bonds, Series 2008A $360,000 General Obligation Equipment Certificates of Indebtedness, Series 20086 Preliminary,• subject to change Presented to: Honorable Paul Hicks, Mayor Members, City Council Mr. David Osberg, City Administrator Ms. Charlene Stark, Finance Director City of Hastings 101 Fourth Street East Hastings, MN 55033-7082 Study No.: 0412100103 SPRINGSTED Incorporated September 30, 2008 Q Springsted RECOMMENDATIONS Re: Recommendations for the Issuance of: $3,105,000* General Obligation Improvement Bonds, Series 2008A (the "Improvement Bonds") $360,000 General Obligation Equipment Certificates of Indebtedness, Series 20086 (the "Certificates") (Collectively referred to as the "Issues" or the "Obligations") We respectfully request your consideration of our recommendations for the above-named Issues. Proceeds of the Improvement Bonds will be used to finance the North Vermillion Area reconstruction project, the Downtown Street & Utility improvements and the Highway 61 wall repair. The proceeds of the Equipment Certificates will be used to finance the acquisition of five different units of equipment (i) a civil defense siren; (ii) police squad cars; (iii) a dump truck; (iv) a pickup truck; and (v) a 4-wheel truck with plow. We recommend the following for the Obligations: Action Requested To establish the date and time of receiving bids and establish the terms and conditions of the offerings. Sale Date and Time Thursday, November 6, 2008 at 10:00 A.M. with consideration for award by the City Council at 7:00 P.M. that same evening. 3. Method ofSa/e The Bonds will be sold through a competitive bidding process. In the interest of obtaining as many bids as possible, we have included a provision in the attached Terms of Proposal for underwriters to submit their bid electronically through the electronic bidding platform of PARITY. In addition, physical bids (by phone or fax) will be accepted at the offices of Springsted. To provide further flexibility to bidders, we also recommend including three means of providing the good faith deposits. Certified/cashier's check or a financial surety bond have been permitted in the past; however, the sole provider of financial surety bonds for this purpose has imposed additional restrictions on its participants. In response, we suggest that the City allow good faith deposits to be submitted by wire transfer and ask that the City name Springsted as your agent for the purpose of receiving good faith deposits submitted by wire transfer. 4. Authorityforthe /ssues The Obligations are being issued pursuant to Minnesota Statutes, Chapter475. Preliminary, subject to change City of Hastings, Minnesota September 30, 2008 5. Principal Amount of the Offerings Repayment Term The Improvement Bonds - $3,105,000* 6. Security, Sources of Payment and Payment Cyc%s (a) Security (b) Sources of Payment and Payment Cyc%s 8. 9. In addition, the Improvement Bonds are being issued pursuant to Minnesota Statutes, Chapter 429 and the Certificates are being issued pursuant to Minnesota Statutes, Section 412.301. The Certificates - $360,000 *Included in the Terms of Proposal for the Improvement Bonds is a provision that permits the City to increase or reduce the principal amount of the Improvement Bonds in any of the maturities. This allows for any necessary adjustments required based on final interest rates, capitalized interest requirements, and issuance costs. The Improvement Bonds will mature annually February 1, 2011 through 2020. Interest will be payable semi-annually each February 1 and August 1, commencing August 1, 2009. The Certificates will mature annually February 1, 2010 through 2014. Interest will be payable semi-annually each February 1 and August 1, commencing August 1, 2009. The Obligations will be general obligations of the City, secured by its full faith and credit and taxing power. Sources of payment and payment cycle details can be found in the Discussion section. Prepayment Provisions The City may elect on February 1, 2018, and on any date thereafter, to prepay the Improvement Bonds due on or after February 1, 2019, at a price of par plus accrued interest. Due to their short duration, the Certificates will not be subject to prepayment prior to their stated maturity dates. Credit Rating Comments Applications will be made to Moody's Investors Service for ratings on the Obligations. The City's general obligation debt is currently rated "A1" by Moody's. Page 2 City of Hastings, Minnesota September 30, 2008 10. Term Bonds We have included a provision for the Obligations that permits the underwriters to combine multiple maturity years into a term bond, subject to mandatory redemption on the same maturity schedule provided in the Terms of Proposals. The advantage to the underwriter is that it provides large blocks of bonds, which are more attractive to bond funds, and certain pension funds, which deal only with large blocks of bonds. This in turn is a benefit to the City since selling larger blocks of bonds reduces the risk to the underwriter, allowing them to lower their costs and the interest coupons. Since the Obligations are being offered on a competitive bid basis and awarded on the lowest true interest cost, the City will award the Obligations to the best bid regardless of whether term bonds are chosen or not. 11. Federal Treasury Regulations Concerning Tax- Exempt Obligations (a) Bank Qua/ification Under Federal Tax Law, financial institutions cannot deduct from income for federal income tax purposes, expense that is allocable to carrying and acquiring tax- exempt bonds. There is an exemption to this for "bank qualified" bonds, which can be so designated if the issuer does not issue more than $10 million of tax- exempt bonds in a calendar year. Issues that are bank qualified generally receive slightly lower interest rates than issues that are not bank qualified. Since the City does not expect to issue more than $10 million of tax-exempt obligations in 2008, these Issues are designated as bank qualified. (b) Arbitrage Comp/ince All tax-exempt issues are subject to the federal arbitrage and rebate requirements, which require all excess earnings created by the financing to be rebated to the U.S. Treasury: The requirements generally cover two categories: bond proceeds and debt service funds. There are exemptions from rebate that may apply in both of these categories. Page 3 City of Hastings, Minnesota September 30, 2008 (i) Rebate There is a "small issuer" exemption from rebate for a municipality that issues $5 million or less in a calendar year. Since the City does not expect to issue more than $5 million intax-exempt obligations in 2008, these Issues will be exempt from rebate; however, the yield restriction provision will apply (see next section). (ii) Yield Restriction The City must maintain bona fide debt service funds for the Obligations or be subject to yield restriction. Yield restriction requires restricting the investment return in the debt service funds to the yields on the Obligations. A bona fide debt service fund is a fund for which there is an equal matching of revenue to debt service expense, with the fund spent down each year to a carry over permitted equal to the greater of the investment earnings in the fund during the prior year or 1/12 the debt service of the prior year. With issues using special assessments as a source of repayment, such as the Improvement Bonds, additional diligence should be exercised in monitoring the debt service fund due to the potential accumulation of assessment prepayments, which could cause the fund to become non-bona fide. Additionally, all original proceeds of the Obligations and interest earnings on those proceeds must be expended within three years, or the remaining proceeds will be subject to yield restriction. The City should monitor both the project funds and the debt service funds to make sure yield restriction provisions of the federal arbitrage rules are met. Springsted currently provides arbitrage compliance services for the City under a separate contract. Amendments to that contract adding these Issues have been provided to City staff. Page 4 City of Hastings, Minnesota September 30, 2008 (c) Economic Life The average life of the Obligations cannot exceed 120% of the economic life of the projects to be financed. The economic life of the projects to be financed with the Improvement Bonds is at least 20 years. The average life of the Improvement Bonds is 6.891 years. The economic life of the equipment being financed is at least 3 years. The average life of the Certificates is 3.308 years. Therefore, the Obligations are within the economic life requirements. (d) Federa/Reimbursement Regu/ations Federal reimbursement regulations require the City to make a declaration, within 60 days of the actual payment, of its intent to reimburse itself from expenses paid prior to the receipt of issue proceeds. It is our understanding the City has taken whatever actions are necessary to comply with the federal reimbursement regulations in regards to the Obligations. 12. Continuing Disclosure The Obligations are subject to continuing disclosure requirements set forth by the Securities and Exchange Commission ("SEC"). The SEC rules require the City to undertake an annual update of its Official Statement information and report any material events to the national repositories. The purchaser therefore requires the City to commit to providing such information under a continuing disclosure agreement or "undertaking". If the City does not enter into such an agreement prior to the offering of the debt, underwriters will not offer a bid to purchase the Obligations. Springsted currently provides continuing disclosure services to the City under a separate contract. Amendments to that contract adding these Issues have been provided to City staff. 13. Attachments The Improvement Bonds Sources and Uses Schedule • Assessment Income Schedule • Debt Service Schedule The Certificates • Sources and Uses Schedule Debt Service Schedule Terms of Proposals Page 5 City of Hastings, Minnesota September 30, 2008 DISCUSSION The Improvement Bonds The proceeds of the Improvement Bonds along with cash contributions of $1,630,169.20 from other sources of City funds will be used to finance the North Vermillion Area reconstruction project, the Downtown Street & Utility improvements and the Highway 61 wall repair. Sources and uses of funds, including the costs of issuance, capitalized interest and underwriter's discount, are shown on page 8. The Improvement Bonds are general obligations of the City, secured by its full faith and credit and taxing power. Annual principal and interest payments on the Improvement Bonds will be made from a combination of ad valorem property taxes and special assessments filed against benefited properties. Assessments will be filed on or about November 1, 2009 for collection beginning in 2010. The principal amount of the assessments is approximately $760,266. Capitalized interest has also been included in the principal amount of the assessments. Assessments have been structured with equal payments of principal over a term of 10 years. The interest charged on the unpaid balance of the assessments will be a rate of 1.5% over the true interest cost of the Improvement Bonds. For structuring purposes, we have assumed a rate of 5.60%. At the time of sale, the projected principal amount of the assessments may change based on the final amount of capitalized interest. The total projected assessment income total is shown on page 9. The City will be required to levy taxes to pay a portion of the debt service on the Improvement Bonds. The City will make its first levy in 2009 for collection in 2010. Since neither assessments nor taxes will be available until August 1, 2010 to pay debt service on the Improvement Bonds, capitalized interest has been included in the par amount of the Improvement Bonds in an amount sufficient to pay the August 1, 2009 and February 1, 2010 interest payments. Thereafter, each year's collection of taxes and assessments will be used to pay the August 1 interest payment due in the collection year and the February 1 principal and interest payment due in the following year. The estimated annual levy is projected to be $299,976. Per discussion with City staff, the Improvement Bonds have been structured around the projected assessment income over a term of 10 years providing for substantially level annual levy requirements over the life of the Improvement Bonds. The projected debt service schedule for the Improvement Bonds is shown on page 10 and includes the following information: • Columns 1 through 4 show the annual principal payments, estimated interest rates and projected total principal and interest payments, given the current market environment. • Column 5 shows the projected amount of capitalized interest included in the par amount of the Improvement Bonds to pay the August 1, 2009 and February 1, 2010 interest payments. • Column 6 shows the new net debt service. • Column 7 shows the 105% overievy which is required by State statute and serves as a protection to bondholders and the City in the event of delinquencies in the collection of assessments and/or taxes. • Column 8 shows the projected assessment income developed on page 9. • Column 9 shows the difference between columns 7 and 8, and represents the annual levy requirement for the Improvement Bonds. Page 6 City of Hastings, Minnesota September 30, 2008 Premium Pricing Based on current market conditions the Improvement Bonds may receive premium pricing from underwriters who are submitting bids on the day of sale. An allowance for discount bidding is still allowed in the Terms of Proposal. Interest rates that exceed the actual yield to an investor will cause the Improvement Bonds to be sold to the investor at a premium over their face amount, thus generating the money from which the underwriter will be paid for their services. If a premium were received, the City would have the following options: (i) deposit the premium into the project fund to pay for additional project costs in excess of those currently anticipated; (ii) deposit the premium into the debt service fund or (iii) use the premium to reduce the principal amount of the Improvement Bonds. It is our understanding that if a substantial premium is received (over $50,000) the City will use the premium to reduce the principal amount of the Improvement Bonds. Otherwise, any excess premium received will be used to fund additional project costs. The Certificates Proceeds of the Certificates will be used to finance the acquisition of five different units of equipment (i) a civil defense siren; (ii) police squad cars; (iii) a dump truck; (iv) a pickup truck; and (v) a 4-wheel truck with plow. Bond Counsel has reviewed the items to be purchased and found them to be in compliance with regulations. Sources and uses of funds, including the costs of issuance and underwriter's discount, are shown on page 11. Minnesota Statutes, Section 412.301, specifies that the City may issue certificates of indebtedness without being subject to a petition requirement calling for a referendum if the total amount of the issue does not exceed'/4 of 1 % of the taxable market value of the City. Based on the City's 2007/2008 taxable market value of $1,854,388,200 this represents a maximum issue size of $4,463,970. This issuance of $360,000 is within that limitation and is not subject to taxpayer petition for a referendum. The Certificates are general obligations of the City and will be repaid with general ad valorem tax levies. The City will make its first levy for the Certificates in 2008 for collection in 2009. Each year's first-half collection of taxes will be used to pay the interest payment due August 1 in the year of collection. Second-half collections plus surplus first half collections will be used to pay the February 1 principal and interest payment due in the following year. Per discussion with City staff, the Certificates have been structured to provide a level annual levy requirement over a term of 5 years. The projected debt service schedule for the Certificates is shown on page 12. Springsted is pleased to be of service again to the City of Hastings. Respectfully submitted, „__, SPRINGSTED Incorporated SAS smc Provided to Staff: Continuing Disclosure and Arbitrage Compliance Amendments Page 7 $3,105,000 City of Hastings, Minnesota General Obligation Improvement Bonds, Series 2008A Issue Summary Total Issue Sources And Uses Dated 11/15/2008 ~ Delivered 11/15/2008 2008-1 North 2008-2 Vermillion Downtown Hwy 61 Wall Issue Area Improvements Repair Summary Sources Of Funds ParAmount of Bonds ................................................. $1,800,000.00 $1,040,000.00 $265,000.00 $3,105,000.00 Cash Contribution ....................................................... 1,065,120.23 565,048.97 - 1,630,169.20 Total Sources ............................................................ $2,865,120.23 $1,605,048.97 $265,000.00 $4,735,169.20 Uses Of Funds Deposit to Project Construction Fund ......................... 2,746,566.42 1,534,786.35 247,976.37 4,529,329.14 Deposit to Capitalized Interest (CIF) Fund ................. 82,440.33 47,878.25 12,229.19 142,547.77 Total Underwriter's Discount (1.000%) ...................... 18,000.00 10,400.00 2,650.00 31,050.00 Costs of Issuance ....................................................... 16,875.38 9,750.20 2,484.42 29,110.00 Rounding Amount ....................................................... 1,238.10 2,234.17 (339.98) 3,132.29 Total Uses ................................................................., $2,865,120.23 $1,605,048.97 $265,000.00 $4,735,169.20 ,Series 200A~I / Issue,SLnunury / .'7/?;1/2008 / .Z'?4 PM Page 8 $760,266 City of Hastings, Minnesota General Obligation Improvement Bonds, Series 2008A Issue Summary ASSESSMENT INCOME Date Principal Coupon Interest Total P+I 12/31/2009 - _ _ 12/31/2010 76,026.59 5.600% 49,670.69 125,697.28 12/31/2011 76,026.59 5.600% 38,317.38 114,343.97 12/31/2012 76,026.59 5.600% 34,059.92 110,086.51 12/31/2013 76,026.57 5.600% 29,802.42 105,828.99 12/31/2014 76,026.57 5.600% 25,544.92 101,571.49 12/31/2015 76,026.57 5.600% 21,287.44 97,314.01 12/31/2016 76,026.57 5.600% 17,029.96 93,056.53 12/31/2017 76,026.57 5.600% 12,772.46 88,799.03 12/31/2018 76,026.57 5.600% 8,514.96 84,541.53 12/31/2019 76,026.57 5.600% 4,257.50 80,284.07 Total $760,265.76 - $241,257.65 $1,001,523.41 SIGNIFICANT DATES Filing Date ............................................................................................................................................................................... 11/01/2009 First Payment Date ................................................................................................................................................................. 12/31/2010 Serie.,•2008A Aearamente / /xrue.tummary /.9/'19/'1008 / 3.'l.>PM Page 9 $3,105,000 City of Hastings, Minnesota General Obligation Improvement Bonds, Series 2008A Issue Summary NET DEBT SERVICE SCHEDULE Date Principal Coupon Interest Total P+I Cap. Interest Net New D/S 105% of Total Assessment Levy Required 02/01/2009 - - - - - _ _ _ 02/01/2010 - - 142,547.77 142,547.77 (142,547.77) - - - _ 02!01/2011 285,000.00 3.000% 117,700.00 402,700.00 - 402,700.00 422,835.00 125,697.28 297,137.72 02/01!2012 290,000.00 3.250% 109,150.00 399,150.00 - 399,150.00 419,107.50 114,343.97 304,763.53 02/01/2013 290,000.00 3.400% 99,725.00 389,725.00 - 389,725.00 409,211.25 110,086.51 299,124.74 02/01/2014 300,000.00 3.600% 89,865.00 389,865.00 - 389,865.00 409,358.25 105,828.99 303,529.26 02/01/2015 300,000.00 3.800% 79,065.00 379,065.00 - 379,065.00 398,018.25 101,571.49 296,446.76 02/01/2016 310,000.00 3.900% 67,665.00 377,665.00 - 377,665.00 396,548.25 97,314.01 299,234.24 02/01/2017 325,000.00 4.000% 55,575.00 380,575.00 - 380,575.00 399,603.75 93,056.53 306,547.22 02/01/2018 325,000.00 4.100% 42,575.00 367,575.00 - 367,575.00 385,953.75 88,799.03 297,154.72 02/01/2019 335,000.00 4.200% 29,250.00 364,250.00 - 364,250.00 382,462.50 84,541.53 297,920.97 02/01/2020 345,000.00 4.400% 15,180.00 360,180.00 - 360,180.00 378,189.00 80,284.07 297,904.93 Total $3,105,000.00 - $848,297.77 $3,953,297.77 (142,547.77) $3,810,750.00 $4,001,287.50 $1,001,523.41 $2,999,764.09 Dated .................................... Delivery Date ......................... First Coupon Date ................. Yield Statistics Bond Year Dollars .............................. Average Life ....................................... Average Coupon ................................ Net Interest Cost (NIC) ....................... True Interest Cost (TIC) ..................... Bond Yield for Arbitrage Purposes..... All Inclusive Cost (AIC) ...................... IRS Form 8038 Net Interest Cost ......................................................................................................... Weighted Average Maturity ......................................................................................... ,cenev g008A / Lxrur summary / 9/.YO/2006 / lOSGiIM , ;:~,al~~~~~d: ............................................................... 11 /15/2008 ................................................................... 11 /15/2008 ...................................................................... 8/01 /2009 .................. $21,395.50 .............. 6.891 Years .................. 3.9648420% ...................................................................... 4.1099660% ...................................................................... 4.1169761% .............................................................................. 3.9459488% ..................................................................... 4.2794294 .................................................................. 3.9648420% .......................................................................... 6.891 Years Page 10 $360,000 City of Hastings, Minnesota General Obligation Equipment Certificates of Indebtedness, Series 2008B Sources & Uses Dated 11/15/2008 ~ Delivered 11/15/2008 Sources Of Funds Par Amount of Bonds ................................................................................................................................................................ $360,000.00 Total Sources ........................................................................................................................................................................... $360,000.00 Uses Of Funds Deposit to Project Construction Fund ....................................................................................................................................... 336,500.00 Costs of Issuance ...................................................................................................................................................................... 13,890.00 Total Underwriter's Discount (1.650%) ..................................................................................................................................... 5,940.00 Rounding Amount ..................................................................................................................................................................... 3,670.00 Total Uses ................................................................................................................................................................................ $360,000.00 SYne,.•200tIF / SINC:LEPf/.P/OSE / 9/26/200F /J.•34AM r~~~~~e3 Page 11 $360,000 City of Hastings, Minnesota General Obligation Equipment Certificates of Indebtedness, Series 2008B DEBT SERVICE SCHEDULE Date Principal Coupon Interest Total P+I 105% Levy 02/01 /2009 - - - _ 02/01/2010 65,000.00 3.000% 14,951.17 79,951.17 83,948.73 02/01/2011 70,000.00 3.250% 10,395.00 80,395.00 84,414.75 02/01/2012 70,000.00 3.400% 8,120.00 78,120.00 82,026.00 02/01/2013 75,000.00 3.600% 5,740.00 80,740.00 84,777.00 02/01/2014 80,000.00 3.800% 3,040.00 83,040.00 87,192.00 Total $360,000.00 - $42,246.17 $402,246.17 $422,358.48 SIGNIFICANT DATES Dated ........................................................................................................................ ................................................................ 11 /15/2008 Delivery Date ............................................................................................................ ................................................................ 11/15/2008 First Coupon Date ..................................................................................................... ................................................................ 8/01/2009 Yield Statistics Bond Year Dollars ..................................................................................................... ................................................................ $1,191.00 Average Life .............................................................................................................. ................................................................ 3.308 Years Average Coupon ....................................................................................................... ................................................................ 3.5471175% Net Interest Cost (NIC) .............................................................................................. ............................................................... 4.0458581 True Interest Cost (TIC) ............................................................................................ ................................................................ 4.0822420% Bond Yield for Arbitrage Purposes ............................................................................ ............................................................... 3.5390050% All Inclusive Cost (AIC) .............................................................................................. ............................................................... 5.4029462% IRS Form 8038 Net Interest Cost ....................................................................................................... ................................................................ 3.5471175% Weighted Average Maturity ....................................................................................... ............................................................... 3.308 Years Interest rates are estimates. Changes in rates may cause significant alterations to this schedule. The actual underwriter's discount bid may also vary. .5eriev?OOBR / S%NGLEPpFpO.tG / 9/l6/2008 / .9:.34AM a I' C"~ '. S ns. ~,d Page 12 THE CITY HAS AUTHORIZED SPRINGSTED INCORPORATED TO NEGOTIATE THIS ISSUE ON ITS BEHALF. PROPOSALS WILL BE RECEIVED ON THE FOLLOWING BASIS: TERMS OF PROPOSAL $3,105,000* CITY OF HASTINGS, MINNESOTA GENERAL OBLIGATION IMPROVEMENT BONDS, SERIES 2008A (BOOK ENTRY ONLY) Proposals for the Bonds and the Good Faith Deposit ("Deposit") will be received on Thursday, November 6, 2008, until 10:00 A.M., Central Time, at the offices of Springsted Incorporated, 380 Jackson Street, Suite 300, Saint Paul, Minnesota, after which time proposals will be opened and tabulated. Consideration for award of the Bonds will be by the City Council at 7:00 P.M., Central Time, of the same day. SUBMISSION OF PROPOSALS Springsted will assume no liability for the inability of the bidder to reach Springsted prior to the time of sale specified above. All bidders are advised that each Proposal shall be deemed to constitute a contract between the bidder and the City to purchase the Bonds regardless of the manner in which the Proposal is submitted. (a) Sealed Bidding. Proposals may be submitted in a sealed envelope or by fax (651) 223-3046 to Springsted. Signed Proposals, without final price or coupons, may be submitted to Springsted prior to the time of sale. The bidder shall be responsible for submitting to Springsted the final Proposal price and coupons, by telephone (651) 223-3000 or fax (651) 223-3046 for inclusion in the submitted Proposal. OR (b) Electronic Biddin .Notice is hereby given that electronic proposals will be received via PARIT ". For purposes of the electronic bidding process, the time as maintained by PARITY° shall constitute the official time with respect to all Bids submitted to PARITY°. Each bidder shall be solely responsible for making necessary arrangements to access PARITY° for purposes of submitting its electronic Bid in a timely manner and in com liance with the requirements of the Terms of Proposal. Neither the City, its agents nor PARITY shall have any duty or obligation to undertake registration to bid for any prospective bidder or to provide or ensure electronic access to any qualified prospective bidder, and neither the City, its agents nor PARITY° shall be responsible for a bidder's failure to register to bid or for any failure in the proper operation of, or have an liability for any delays or interruptions of or any damages caused by the services of PARITY. The City is using the services of PARITY® solely as a communication mechanism to conduct the electronic bidding for the Bonds, and PARITY° is not an agent of the City. If any provisions of this Terms of Proposal conflict with information provided by PARITY°, this Terms of Proposal shall control. Further information about PARITY°, including any fee charged, may be obtained from: PARITY°, 1359 Broadway, 2"d Floor, New York, New York 10018 Customer Support: (212) 849-5000 DETAILS OF THE BONDS * Preliminary; subject to change. Page 13 The Bonds will be dated November 15, 2008, as the date of original issue, and will bear interest payable on February 1 and August 1 of each year, commencing August 1, 2009. Interest will be computed on the basis of a 360-day year of twelve 30-day months. The Bonds will mature February 1 in the years and amounts* as follows: 2011 $285,000 2013 $290,000 2015 $300,000 2017 $325,000 2019 $335,000 2012 $290,000 2014 $300,000 2016 $310,000 2018 $325,000 2020 $345,000 The City reserves the right, after proposals are opened and prior to award, to increase or reduce the principal amount of the Bonds offered for sale. Any such increase or reduction will be made in multiples of $5,000 in any of the maturities. In the event the principal amount of the Bonds is increased or reduced, any premium offered or any discount taken by the successful bidder will be increased or reduced by a percentage equal to the percentage by which the principal amount of the Bonds is increased or reduced. Proposals for the Bonds may contain a maturity schedule providing for a combination of serial bonds and term bonds. All term bonds shall be subject to mandatory sinking fund redemption at a price of par plus accrued interest to the date of redemption and must conform to the maturity schedule set forth above. In order to designate term bonds, the proposal must specify "Years of Term Maturities" in the spaces provided on the Proposal Form. BOOK ENTRY SYSTEM The Bonds will be issued by means of a book entry system with no physical distribution of Bonds made to the public. The Bonds will be issued in fully registered form and one Bond, representing the aggregate principal amount of the Bonds maturing in each year, will be registered in the name of Cede & Co. as nominee of The Depository Trust Company ("DTC"), New York, New York, which will act as securities depository of the Bonds. Individual purchases of the Bonds may be made in the principal amount of $5,000 or any multiple thereof of a single maturity through book entries made on the books and records of DTC and its participants. Principal and interest are payable by the registrar to DTC or its nominee as registered owner of the Bonds. Transfer of principal and interest payments to participants of DTC will be the responsibility of DTC; transfer of principal and interest payments to beneficial owners by participants will be the responsibility of such participants and other nominees of beneficial owners. The purchaser, as a condition of delivery of the Bonds, will be required to deposit the Bonds with DTC. REGISTRAR The City will name the registrar, which shall be subject to applicable SEC regulations. The City will pay for the services of the registrar. OPTIONAL REDEMPTION The City may elect on February 1, 2018, and on any day thereafter, to prepay Bonds due on or after February 1, 2019. Redemption may be in whole or in part and if in part at the option of the City and in such manner as the City shall determine. If less than all Bonds of a maturity are called for redemption, the City will notify DTC of the particular amount of such maturity to be prepaid. DTC will determine by lot the amount of each participant's interest in such maturity to be redeemed and each participant will then select by lot the beneficial ownership interests in such maturity to be redeemed. All prepayments shall be at a price of par plus accrued interest. Page 14 SECURITY AND PURPOSE The Bonds will be general obligations of the City for which the City will pledge its full faith and credit and power to levy direct general ad valorem taxes. In addition, the City will pledge special assessments against benefited properties. The proceeds will be used to finance various improvement projects within the City. BIDDING PARAMETERS Proposals shall be for not less than $3,073,950 and accrued interest on the total principal amount of the Bonds. No proposal can be withdrawn or amended after the time set for receiving proposals unless the meeting of the City scheduled for award of the Bonds is adjourned, recessed, or continued to another date without award of the Bonds having been made. Rates shall be in integral multiples of 5/100 or 1/8 of 1%. Rates are not required to be in level or ascending order; however, the rate for any maturity cannot be more than 1 % lower than the highest rate of any of the preceding maturities. Bonds of the same maturity shall bear a single rate from the date of the Bonds to the date of maturity. No conditional proposals will be accepted. GOOD FAITH DEPOSIT Proposals, regardless of method of submission, shall be accompanied by a Deposit in the amount of $31,050, in the form of a certified or cashier's check, a wire transfer, or Financial Surety Bond and delivered to Springsted Incorporated prior to the time prior to the time proposals will be opened. Any Deposit made by certified or cashier's check should be made payable to the City and delivered to Springsted Incorporated, 380 Jackson Street, Suite 300, St. Paul, Minnesota 55101. Any Deposit sent via wire transfer should be sent to Springsted Incorporated as the City's agent according to the following instructions: Wells Fargo Bank, N.A., San Francisco, CA 94104 ABA #121000248 For credit to Springsted Incorporated, Account #635-5007954 Contemporaneously with such wire transfer, the bidder shall send an a-mail to bond_services@springsted.com, including the following information; (i) indication that a wire transfer has been made, (ii) the amount of the wire transfer, (iii) the issue to which it applies, and (iv) the return wire instructions if such bidder is not awarded the Bonds. Any Deposit made by the successful bidder by check or wire transfer will be delivered to the City following the award of the Bond. Any Deposit made by check or wire transfer by an unsuccessful bidder will be returned to such bidder following City action relative to an award of the Bonds. If a Financial Surety Bond is used, it must be from an insurance company licensed to issue such a bond in the State of Minnesota and pre-approved by the City. Such bond must be submitted to Springsted Incorporated prior to the opening of the proposals. The Financial Surety Bond must identify each underwriter whose Deposit is guaranteed by such Financial Surety Bond. If the Bonds are awarded to an underwriter using a Financial Surety Bond, then that underwriter is required to submit its Deposit to the City in the form of a certified or cashier's check or wire transfer as instructed by Springsted Incorporated not later than 3:30 P.M., Central Time on the next business day following the award. If such Deposit is not received by that time, the Financial Surety Bond may be drawn by the City to satisfy the Deposit requirement. Page 15 The Deposit received from the purchaser, the amount of which will be deducted at settlement, will be deposited by the City and no interest will accrue to the purchaser. In the event the purchaser fails to comply with the accepted proposal, said amount will be retained by the City. AWARD The Bonds will be awarded on the basis of the lowest interest rate to be determined on a true interest cost (TIC) basis. The City's computation of the interest rate of each proposal, in accordance with customary practice, will be controlling. The City will reserve the right to: (i) waive non-substantive informalities of any proposal or of matters relating to the receipt of proposals and award of the Bonds, (ii) reject all proposals without cause, and (iii) reject any proposal that the City determines to have failed to comply with the terms herein. BOND INSURANCE AT PURCHASER'S OPTION If the Bonds qualify for issuance of any policy of municipal bond insurance or commitment therefor at the option of the underwriter, the purchase of any such insurance policy or the issuance of any such commitment shall be at the sole option and expense of the purchaser of the Bonds. Any increased costs of issuance of the Bonds resulting from such purchase of insurance shall be paid by the purchaser, except that, if the City has requested and received a rating on the Bonds from a rating agency, the City will pay that rating fee. Any other rating agency fees shall be the responsibility of the purchaser. Failure of the municipal bond insurer to issue the policy after Bonds have been awarded to the purchaser shall not constitute cause for failure or refusal by the purchaser to accept delivery on the Bonds. CUSIP NUMBERS If the Bonds qualify for assignment of CUSIP numbers such numbers will be printed on the Bonds, but neither the failure to print such numbers on any Bond nor any error with respect thereto will constitute cause for failure or refusal by the purchaser to accept delivery of the Bonds. The CUSIP Service Bureau charge for the assignment of CUSIP identification numbers shall be paid by the purchaser. SETTLEMENT Within 40 days following the date of their award, the Bonds will be delivered without cost to the purchaser through DTC in New York, New York. Delivery will be subject to receipt by the purchaser of an approving legal opinion of Briggs and Morgan, Professional Association, of Saint Paul and Minneapolis, Minnesota, and of customary closing papers, including a no- litigation certificate. On the date of settlement, payment for the Bonds shall be made in federal, or equivalent, funds that shall be received at the offices of the City or its designee not later than 12:00 Noon, Central Time. Unless compliance with the terms of payment for the Bonds has been made impossible by action of the City, or its agents, the purchaser shall be liable to the City for any loss suffered by the City by reason of the purchaser's non-compliance with said terms for payment. CONTINUING DISCLOSURE On the date of actual issuance and delivery of the Bonds, the City will execute and deliver a Continuing Disclosure Undertaking (the "Undertaking") whereunder the City will covenant for the benefit of the owners of the Bonds to provide certain financial and other information about the City and notices of certain occurrences to information repositories as specified in and required by SEC Rule 15c2-12(b)(5). Page 16 OFFICIAL STATEMENT The City has authorized the preparation of an Official Statement containing pertinent information relative to the Bonds, and said Official Statement will serve as a nearly final Official Statement within the meaning of Rule 15c2-12 of the Securities and Exchange Commission. For copies of the Official Statement or for any additional information prior to sale, any prospective purchaser is referred to the Financial Advisor to the City, Springsted Incorporated, 380 Jackson Street, Suite 300, Saint Paul, Minnesota 55101, telephone (651) 223-3000. The Official Statement, when further supplemented by an addendum or addenda specifying the maturity dates, principal amounts and interest rates of the Bonds, together with any other information required by law, shall constitute a "Final Official Statement" of the City with respect to the Bonds, as that term is defined in Rule 15c2-12. By awarding the Bonds to any underwriter or underwriting syndicate submitting a proposal therefor, the City agrees that, no more than seven business days after the date of such award, it shall provide without cost to the senior managing underwriter of the syndicate to which the Bonds are awarded 125 copies of the Official Statement and the addendum or addenda described above. The City designates the senior managing underwriter of the syndicate to which the Bonds are awarded as its agent for purposes of distributing copies of the Final Official Statement to each Participating Underwriter. Any underwriter delivering a proposal with respect to the Bonds agrees thereby that if its proposal is accepted by the City (i) it shall accept such designation and (ii) it shall enter into a contractual relationship with all Participating Underwriters of the Bonds for purposes of assuring the receipt by each such Participating Underwriter of the Final Official Statement. Dated October 6, 2008 BY ORDER OF THE CITY COUNCIL /s/ Melanie Mesko Lee City Clerk Page 17 THE CITY HAS AUTHORIZED SPRINGSTED INCORPORATED TO NEGOTIATE THIS ISSUE ON ITS BEHALF. PROPOSALS WILL BE RECEIVED ON THE FOLLOWING BASIS: TERMS OF PROPOSAL $360,000 CITY OF HASTINGS, MINNESOTA GENERAL OBLIGATION EQUIPMENT CERTIFICATES OF INDEBTEDNESS, SERIES 20086 (BOOK ENTRY ONLY) Proposals for the Certificates and the Good Faith Deposit ("Deposit") will be received on Thursday, November 6, 2008, until 10:00 A.M., Central Time, at the offices of Springsted Incorporated, 380 Jackson Street, Suite 300, Saint Paul, Minnesota, after which time proposals will be opened and tabulated. Consideration for award of the Certificates will be by the City Council at 7:00 P.M., Central Time, of the same day. SUBMISSION OF PROPOSALS Springsted will assume no liability for the inability of the bidder to reach Springsted prior to the time of sale specified above. All bidders are advised that each Proposal shall be deemed to constitute a contract between the bidder and the City to purchase the Certificates regardless of the manner in which the Proposal is submitted. (a) Sealed Bidding. Proposals may be submitted in a sealed envelope or by fax (651) 223-3046 to Springsted. Signed Proposals, without final price or coupons, may be submitted to Springsted prior to the time of sale. The bidder shall be responsible for submitting to Springsted the final Proposal price and coupons, by telephone (651) 223-3000 or fax (651) 223-3046 for inclusion in the submitted Proposal. OR (b) Electronic Biddin .Notice is hereby given that electronic proposals will be received via PARIT R. For purposes of the electronic bidding process, the time as maintained by PARITY° shall constitute the official time with respect to all Bids submitted to PARITY°. Each bidder shall be solely responsible for making necessary arrangements to access PARITY° for purposes of submitting ifs electronic Bid in a timely manner and in com liance with the requirements of the Terms of Proposal. Neither the City, its agents nor PARITY shall have any duty or obligation to undertake registration to bid for any prospective bidder or to provide or ensure electronic access to any qualified prospective bidder, and neither the City, its agents nor PARITY° shall be responsible for a bidder's failure to register to bid or for any failure in the proper operation of, or have an liability for any delays or interruptions of or any damages caused by the services of PARITY. The City is using the services of PARITY® solely as a communication mechanism to conduct the electronic bidding for the Certificates, and PARITY® is not an agent of the City. If any provisions of this Terms of Proposal conflict with information provided by PARITY°, this Terms of Proposal shall control. Further information about PARITY°, including any fee charged, may be obtained from: PARITY°, 1359 Broadway, 2"d Floor, New York, New York 10018 Customer Support: (212) 849-5000 Page 18 DETAILS OF THE CERTIFICATES The Certificates will be dated November 15, 2008, as the date of original issue, and will bear interest payable on February 1 and August 1 of each year, commencing August 1, 2009. Interest will be computed on the basis of a 360-day year of twelve 30-day months. The Certificates will mature February 1 in the years and amounts as follows: 2010 $65,000 2011 $70,000 2012 $70,000 2013 $75,000 2014 $80,000 Proposals for the Certificates may contain a maturity schedule providing for a combination of serial bonds and term bonds. All term bonds shall be subject to mandatory sinking fund redemption at a price of par plus accrued interest to the date of redemption and must conform to the maturity schedule set forth above. In order to designate term bonds, the proposal must specify "Years of Term Maturities" in the spaces provided on the Proposal Form. BOOK ENTRY SYSTEM The Certificates will be issued by means of a book entry system with no physical distribution of Certificates made to the public. The Certificates will be issued in fully registered form and one Certificate, representing the aggregate principal amount of the Certificates maturing in each year, will be registered in the name of Cede & Co. as nominee of The Depository Trust Company ("DTC"), New York, New York, which will act as securities depository of the Certificates. Individual purchases of the Certificates may be made in the principal amount of $5,000 or any multiple thereof of a single maturity through book entries made on the books and records of DTC and its participants. Principal and interest are payable by the registrar to DTC or its nominee as registered owner of the Certificates. Transfer of principal and interest payments to participants of DTC will be the responsibility of DTC; transfer of principal and interest payments to beneficial owners by participants will be the responsibility of such participants and other nominees of beneficial owners. The purchaser, as a condition of delivery of the Certificates, will be required to deposit the Certificates with DTC. REGISTRAR The City will name the registrar, which shall be subject to applicable SEC regulations. The City will pay for the services of the registrar. OPTIONAL REDEMPTION The Certificates will not be subject to payment in advance of their respective stated maturity dates. SECURITY AND PURPOSE The Certificates will be general obligations of the City for which the City will pledge its full faith and credit and power to levy direct general ad valorem taxes. The proceeds will be used to finance the acquisition of equipment for City purposes. BIDDING PARAMETERS Proposals shall be for not less than $354,060 and accrued interest on the total principal amount of the Certificates. No proposal can be withdrawn or amended after the time set for receiving proposals unless the meeting of the City scheduled for award of the Certificates is adjourned, recessed, or continued to another date without award of the Certificates having been made. Rates shall be in integral Page 19 multiples of 5/100 or 1/8 of 1 %. Rates must be in level or ascending order. Certificates of the same maturity shall bear a single rate from the date of the Certificates to the date of maturity. No conditional proposals will be accepted. GOOD FAITH DEPOSIT Proposals, regardless of method of submission, shall be accompanied by a Deposit in the amount of $3,600, in the form of a certified or cashier's check, a wire transfer, or Financial Surety Bond and delivered to Springsted Incorporated prior to the time prior to the time proposals will be opened. Any Deposit made by certified or cashier's check should be made payable to the City and delivered to Springsted Incorporated, 380 Jackson Street, Suite 300, St. Paul, Minnesota 55101. Any Deposit sent via wire transfer should be sent to Springsted Incorporated as the City's agent according to the following instructions: Wells Fargo Bank, N.A., San Francisco, CA 94104 ABA #121000248 For credit to Springsted Incorporated, Account #635-5007954 Contemporaneously with such wire transfer, the bidder shall send an a-mail to bond_services@springsted.com, including the following information; (i) indication that a wire transfer has been made, (ii) the amount of the wire transfer, (iii) the issue to which it applies, and (iv) the return wire instructions if such bidder is not awarded the Bonds. Any Deposit made by the successful bidder by check or wire transfer will be delivered to the City following the award of the Certificate. Any Deposit made by check or wire transfer by an unsuccessful bidder will be returned to such bidder following City action relative to an award of the Certificates. If a Financial Surety Bond is used, it must be from an insurance company licensed to issue such a bond in the State of Minnesota and pre-approved by the City. Such bond must be submitted to Springsted Incorporated prior to the opening of the proposals. The Financial Surety Bond must identify each underwriter whose Deposit is guaranteed by such Financial Surety Bond. If the Certificates are awarded to an underwriter using a Financial Surety Bond, then that underwriter is required to submit its Deposit to the City in the form of a certified or cashier's check or wire transfer as instructed by Springsted Incorporated not later than 3:30 P.M., Central Time on the next business day following the award. If such Deposit is not received by that time, the Financial Surety Bond may be drawn by the City to satisfy the Deposit requirement. The Deposit received from the purchaser, the amount of which will be deducted at settlement, will be deposited by the City and no interest will accrue to the purchaser. In the event the purchaser fails to comply with the accepted proposal, said amount will be retained by the City. AWARD The Certificates will be awarded on the basis of the lowest interest rate to be determined on a true interest cost (TIC) basis. The City's computation of the interest rate of each proposal, in accordance with customary practice, will be controlling. The City will reserve the right to: (i) waive non-substantive informalities of any proposal or of matters relating to the receipt of proposals and award of the Certificates, (ii) reject all proposals without cause, and (iii) reject any proposal that the City determines to have failed to comply with the terms herein. Page 20 CUSIP NUMBERS If the Certificates qualify for assignment of CUSIP numbers such numbers will be printed on the Certificates, but neither the failure to print such numbers on any Certificate nor any error with respect thereto will constitute cause for failure or refusal by the purchaser to accept delivery of the Certificates. The CUSIP Service Bureau charge for the assignment of CUSIP identification numbers shall be paid by the purchaser. SETTLEMENT Within 40 days following the date of their award, the Certificates will be delivered without cost to the purchaser through DTC in New York, New York. Delivery will be subject to receipt by the purchaser of an approving legal opinion of Briggs and Morgan, Professional Association, of Saint Paul and Minneapolis, Minnesota, and of customary closing papers, including a no- litigation certificate. On the date of settlement, payment for the Certificates shall be made in federal, or equivalent, funds that shall be received at the offices of the City or its designee not later than 12:00 Noon, Central Time. Unless compliance with the terms of payment for the Certificates has been made impossible by action of the City, or its agents, the purchaser shall be liable to the City for any loss suffered by the City by reason of the purchaser's non- compliance with said terms for payment. CONTINUING DISCLOSURE On the date of actual issuance and delivery of the Bonds, the City will execute and deliver a Continuing Disclosure Undertaking (the "Undertaking") whereunder the City will covenant for the benefit of the owners of the Bonds to provide certain financial and other information about the City and notices of certain occurrences to information repositories as specified in and required by SEC Rule 15c2-12(b)(5). OFFICIAL STATEMENT The City has authorized the preparation of an Official Statement containing pertinent information relative to the Certificates, and said Official Statement will serve as a nearly final Official Statement within the meaning of Rule 15c2-12 of the Securities and Exchange Commission. For copies of the Official Statement or for any additional information prior to sale, any prospective purchaser is referred to the Financial Advisor to the City, Springsted Incorporated, 380 Jackson Street, Suite 300, Saint Paul, Minnesota 55101, telephone (651) 223-3000. The Official Statement, when further supplemented by an addendum or addenda specifying the maturity dates, principal amounts and interest rates of the Certificates, together with any other information required by law, shall constitute a "Final Official Statement" of the City with respect to the Certificates, as that term is defined in Rule 15c2-12. By awarding the Certificates to any underwriter or underwriting syndicate submitting a proposal therefor, the City agrees that, no more than seven business days after the date of such award, it shall provide without cost to the senior managing underwriter of the syndicate to which the Certificates are awarded 25 copies of the Official Statement and the addendum or addenda described above. The City designates the senior managing underwriter of the syndicate to which the Certificates are awarded as its agent for purposes of distributing copies of the Final Official Statement to each Participating Underwriter. Any underwriter delivering a proposal with respect to the Certificates agrees thereby that if its proposal is accepted by the City (i) it shall accept such designation and (ii) it shall enter into a contractual relationship with all Participating Underwriters of the Certificates for purposes of assuring the receipt by each such Participating Underwriter of the Final Official Statement. Dated October 6, 2008 BY ORDER OF THE CITY COUNCIL /s/ Melanie Mesko Lee City Clerk Page 21