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HomeMy WebLinkAboutOrdinance 4488 ORDINANCE NO. 4488 " . AN ORDINANCE AUTHORIZING THE ISSUANCE AND SALE OF NOT TO EXCEED $6,620,000 OF HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS, SERIES 2003, BY THE CITY OF FAYETTEVILLE, ARKANSAS FOR THE PURPOSE OF REFUNDING THE CITY'S OUTSTANDING HOTEL AND RESTAURANT GROSS RECEIPTS TAX BONDS, SERIES 1998; AUTHORIZING THE EXECUTION AND DELIVERY OF A TRUST INDENTURE PURSUANT TO WHICH THE SERIES 2003 BONDS WILL BE ISSUED AND SECURED; AUTHORIZING THE EXECUTION AND DELIVERY OF AN OFFICIAL STATEMENT PURSUANT TO WHICH THE SERIES 2003 BONDS WILL BE OFFERED; AUTHORIZING THE EXECUTION AND DELIVERY OF A BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF THE SERIES 2003 BONDS; AUTHORIZING THE EXECUTION AND DELIVERY OF AN ESCROW DEPOSIT AGREEMENT PROVIDING FOR THE REDEMPTION OF THE SERIES 1998 BONDS; AUTHORIZING THE EXECUTION AND DELIVERY OF A CONTINUING DISCLOSURE AGREEMENT; AND PRESCRIBING OTHER MATTERS RELATING THERETO WHEREAS, the City of Fayetteville, Arkansas (the "City") is authorized under the provisions of the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the " Act"), to issue its bonds secured by and payable from the revenues derived by the City from the one percent (1 %) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry-out restaurants, concession stands, convenience stores, grocery store-restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on-premises or off-premises consumption; and WHEREAS, pursuant to the provisions of Ordinance No. 4038, duly adopted by the City on June 3, 1997, there was submitted to the qualified electors of the City the question of the issuance of not to exceed $6,950,000 in principal amount of bonds pursuant to the Act, said bonds to be secured by a pledge of and lien upon the City's receipts of the Tax (the "Tax Receipts"); and WHEREAS, at a special election held August 5, 1997, a majority of the qualified electors of the City voting on the aforementioned question approved the issuance of the bonds and the corresponding pledge of the Tax Receipts to the payment thereof; and WHEREAS, pursuant to the Act and the results of the aforementioned election, the City issued its City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998 (the "Series 1998 Bonds'), for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center (the "1998 Project"); and WHEREAS, the Series 1998 Bonds were originally issued in the aggregate principal amount of $6,950,000, of which $6,620,000 presently remains outstanding; and WHEREAS, the City has also, pursuant to the Act and an ordinance duly adopted by the City, previously issued its $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995 (the "Series 1995 Bonds"), of which $700,000 in principal amount presently remains outstanding, for the purpose of financing the construction and equipping of convention facilities; and WHEREAS, the City has now determined that debt service savings can be realized with respect to the Series 1998 Bonds by issuing its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Series 2003 Bonds"), for the purpose of refunding the Series 1998 Bonds; and WHEREAS, the payment of debt service on the Series 2003 Bonds will be secured by a pledge of the Tax Receipts on a junior and subordinate basis to the pledge of Tax Receipts securing the payment of debt service on the Series 1995 Bonds; and NOW, THEREFORE, BE IT ORDAINED by the City Council of the City of Fayetteville, Arkansas that: Section 1 . Under the authority of the Constitution and laws of the State of Arkansas, including particularly Amendment 65 to the Constitution of the State of Arkansas and the Act, there is hereby authorized the issuance of bonds of the City to be designated as "Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003" (the "Series 2003 Bonds"). The Series 2003 Bonds shall be issued in the original aggregate principal amount of not to exceed Six Million Six Hundred Twenty Thousand Dollars ($6,620,000), shall mature not later than October 1, 2015, and shall bear interest at the rates specified in the Bond Purchase Agreement. The average yield on the Series 2003 Bonds as a whole shall not exceed 3.75% per annum. The proceeds of the Series 2003 Bonds will be utilized to finance a portion of the cost of redeeming the Series 1998 Bonds, to establish a debt service reserve for the Series 2003 Bonds or purchase a surety bond for reserve purposes, to pay a premium for bond insurance, if deemed 2 economically beneficial, and to pay printing, underwriting, legal and other expenses incidental to the issuance of the Series 2003 Bonds. The Series 2003 Bonds shall be issued in the forms and denominations, shall be dated, shall be numbered, shall mature, shall be subject to redemption prior to maturity, and shall contain such other terms, covenants and conditions, all as set forth in the Trust Indenture submitted to this meeting. The Mayor is hereby authorized and directed to execute and deliver the Series 2003 Bonds in substantially the form thereof contained in the Trust Indenture submitted to this meeting, and the City Clerk is hereby authorized and directed to execute and deliver the Series 2003 Bonds and to affix the seal of the City thereto, and the Mayor and City Clerk are hereby authorized and directed to cause the Series 2003 Bonds to be accepted and authenticated by the Trustee. The Mayor is hereby authorized to confer with the Trustee, Stephens Inc., Fayetteville, Arkansas (the "Underwriter'), and Kutak Rock LLP, Little Rock, Arkansas ("Bond Counsel"), in order to complete the Series 2003 Bonds in substantially the form contained in the Trust Indenture submitted to this meeting, with such changes as shall be approved by such persons executing the Series 2003 Bonds, their execution to constitute conclusive evidence of such approval. Section 2. In order to pay the principal of and interest on the Series 2003 Bonds as they mature or are called for redemption prior to maturity, there is hereby pledged all of the Tax Receipts. This pledge of Tax Receipts is made on a junior and subordinate basis to the prior pledge of Tax Receipts securing repayment of the Series 1995 Bonds. The levy and collection of the Tax shall not be discontinued or reduced while any of the Bonds are outstanding unless sufficient funds are on deposit with the Trustee under the Trust Indenture to redeem the Series 2003 Bonds in full. The City covenants and agrees that all Tax Receipts will be accounted for separately as special funds on the books of the City, and all Tax Receipts will be deposited and will be used solely as provided in the Trust Indenture. Section 3. To prescribe the terms and conditions upon which the Series 2003 Bonds are to be executed, authenticated, issued, accepted, held and secured, the Mayor is hereby authorized and directed to execute and acknowledge a Trust Indenture (the "Trust Indenture"), by and between the City and Bank of Oklahoma, N. A., Tulsa, Oklahoma (the "Trustee"), and the City Clerk is hereby authorized and directed to execute and acknowledge the Trust Indenture and to affix the seal of the City thereto, and the Mayor and the City Clerk are hereby authorized and directed to cause the Trust Indenture to be accepted, executed and acknowledged by the Trustee. The Trust Indenture is hereby approved in substantially the form submitted to this meeting, including, without limitation, the provisions thereof pertaining to the pledge of Tax Receipts and the terms of the Series 2003 Bonds. The Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Trust Indenture in substantially the form submitted to this meeting, with such changes 3 as shall be approved by such persons executing the Trust Indenture, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Trust Indenture in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 4. There is hereby authorized and approved a Preliminary Official Statement of the City, including the cover page and appendices attached thereto, relating to the Series 2003 Bonds. The Preliminary Official Statement is hereby "deemed final" by the City within the meaning of U.S. Securities and Exchange Commission Rule 15c2-12. The distribution of the Preliminary Official Statement is hereby approved. The Preliminary Official Statement, as amended to conform to the terms of the Bond Purchase Agreement, including Exhibit A thereto, and with such other changes and amendments as are mutually agreed to by the City and the Underwriter, is herein referred to as the "Official Statement," and the Mayor is hereby authorized to execute the Official Statement for and on behalf of the City. The Official Statement is hereby approved in substantially the form of the Preliminary Official Statement submitted to this meeting, and the Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Official Statement in substantially the form of the Preliminary Official Statement submitted to this meeting, with such changes as shall be approved by such persons, the Mayor's execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Preliminary Official Statement is on file with the City Clerk and is available for inspection by any interested person.) Section 5. In order to prescribe the terms and conditions upon which the Series 2003 Bonds are to be sold to the Underwriter, the Mayor is hereby authorized and directed to execute a Bond Purchase Agreement on behalf of the City, to be dated as of the date of its execution (the "Bond Purchase Agreement'), by and between the City and the Underwriter, and the Bond Purchase Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter and Bond Counsel in order to complete the Bond Purchase Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Bond Purchase Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Bond Purchase Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 6. In order to provide for the redemption of the Series 1998 Bonds, the Mayor is hereby authorized and directed to execute an Escrow Deposit Agreement to be 4 dated as of the date of its execution (the "Escrow Agreement'), by and between the City and Bank of Oklahoma, N.A., as escrow trustee (the "Escrow Trustee"), and the Mayor is hereby authorized and directed to cause the Escrow Agreement to be executed by the Escrow Trustee. The Escrow Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter, the Escrow Trustee and Bond Counsel in order to complete the Escrow Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Escrow Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Escrow Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 7. In order to provide for continuing disclosure of certain financial and operating information with respect to the Tax and the City in compliance with the provisions of Rule 15c2-12 of the U. S. Securities and Exchange Commission, the Mayor is hereby authorized and directed to execute a Continuing Disclosure Agreement to be dated as of the date of its execution (the "Continuing Disclosure Agreement'), by and between the City and the Trustee, and the Mayor is hereby authorized and directed to cause the Continuing Disclosure Agreement to be executed by the Trustee. The Continuing Disclosure Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Continuing Disclosure Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Continuing Disclosure Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Continuing Disclosure Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 8. In order to secure lower interest rates on the Series 2003 Bonds, the Underwriter has proposed that the City consider the purchase of a policy of bond insurance with a portion of the proceeds of the Series 2003 Bonds, which policy would guarantee the payment of the principal of and interest on the Series 2003 Bonds when due. If deemed economically advantageous by the Mayor, upon the advice of the Underwriter, the Mayor is hereby authorized to execute an insurance commitment and to do any and all things necessary to accomplish the delivery of a bond insurance policy with respect to the Series 2003 Bonds. Section 9. The Mayor and City Clerk, for and on behalf of the City, are hereby authorized and directed to do any and all things necessary to effect the issuance, sale, execution and delivery of the Series 2003 Bonds and to effect the execution and delivery 5 of the Trust Indenture, the Bond Purchase Agreement, the Official Statement, the Escrow Agreement, the Continuing Disclosure Agreement and a Tax Regulatory Agreement relating to the tax exemption of interest on the Series 2003 Bonds, and to perform all of the obligations of the City under and pursuant thereto. The Mayor and the City Clerk are further authorized and directed, for and on behalf of the City, to execute all papers, documents, certificates and other instruments that may be required for the carrying out of such authority or to evidence the exercise thereof. Section 10. The provisions of this Ordinance are hereby declared to be severable, and if any section, phrase or provision shall for any reason be declared to be illegal or invalid, such declaration shall not affect the validity of the remainder of the sections, phrases or provisions of this Ordinance. Section 11. All ordinances, resolutions and parts thereof in conflict herewith are hereby repealed to the extent of such conflict. PASSED and APPROVED this the 20w day of May, 2003. ea APPROVED: •N , 1 j D COODY, Mayor A ' Sondra Smith, City Clerk 6 NAME OF FILE: Ord. No. 4488 CROSS REFERENCE: Item # Date Document 1 1 05/20/03 Ord. No. 4488 2 05/01 /03 Staff Review Form w/attachments: draft ordinance memo to Steve Davis memo to mayor/city council draft Trust Indenture 3 05/24/03 memo to Steve Davis 4 05/24/03 Affidavit of Publication NOTES: Z NORTWEST ARKANSV EDITION A kavas Demomtt IV 05azeW AFFIDAVIT OF PUBLICATION I , , do solemnly swear that I am Lega Clerk of the Arkansas Democrat-Gazette newspaper, printed and published in Lowell , Arkansas, and that from my own personal knowledge and reference to the files of said publication , the advertisement of: Oa, was inserted in the regular editions on '* Publication Charge : $ 56 L32Z Subscribed and sworn to before me this day of .32003. Notary Publi sew M Commission Expires: TAMMY ""EN My on p WASHINGTON COGN" MY Commission E)0� 11 05 p11 Please do not pay from Affidav An invoice will be sent. RECEIVED MAY 2 8 2003 U„ ;:F FAYETTEVILLE CITY CLERK'S OFFICE 212 NORTH EAST AVENUE P.O. BOX 1607 • FAYEfTEVII I E, ARKANSAS 72702 • (501) 442-1700 - ORDINANCE NO. 4488 AN ORDINANCE AUTHORIZING THE ISSUANCE AND SALE OF NOT TO EXCEED $6,620,000 OF HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS, SERIES 2003, BY THE CITY OF FAYETTEVILLE, ARKANSAS FOR THE PURPOSE OF - REFUNDING THE CITY'S TAX BONDS. SERIES 1993 RESTAURANT THE EXECUTION REC 0f FayeftWile TAX BONDS, SERIES 1998: AUTHORIZING THE SANTTO AND HTHESDELIVERY OF A TRUST I WILL B IIS PUD AND TO WHICH THE SERIES 2003 BONDS WILLBEISSUED ANDSECURED; AUTHORIZING THE IX E30NDS v ANDD E OFFERED: E AN OFFICIAL STATEMENT PURSUANT TO WHICH THE SERIES 2003 BONDS WILL M OFFERED: ING FOR THE THE LE OF T HE AJJD S203DELIVERY OF : BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF THE SERIES 2003 BONDS;PROVIDING AUTHORIZING THE IDECUTIONREDEMPTION AND THE OF 19 ESCROW DEPOSIT AGREEMENT PROVIDING FOR THE OF A CONTINUING OF THE SERIES 1998 BONDS; AUTHORIZING THE OTHER AT AND DELIVERY OF A CONPNUING DISCLOSURE AGREEMENT, AND PRESCRIBING OTHER MATTERS RELATING THERETO WHEREAS, the City of FayOneMle. Arkansas (the 0011y") is,aulfnrized under Lha provisions of the Advertising and Prommon Commission Ac. Arkansas Code Annotated (1997 Repl.) §§26-75601 at seq. (ea from lime to time amended the 'Actl, to Issue its bonds secured by and payable from the revenues derived by the GN from the one.percent (1%) tax (the Tax) laded by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended. upon the gross receipts or gross Proceeds 0 blamed from Matig, leasing Or Othewse fumishi g hotel or metal aa0mrtedatkxs fa prefil wnhm the bO ndarios Of the City and n of restaurants, miss, colelenas, data dr'rvain resfaunvtts, carry-out IMISIUMIS, concession stands, convenience stores, grocery store- restaurants, caterers and similar businesses within the boundaries of the City engaged in the business • of selling prepared food foron-premises or off-premises consumption; and WHEREAS, Pursuant to RIe Provisions of Ordvwtce No. 4038, duly adapted by the Gry on June 3, 1997, there was suichmedto the qualfied elections of the City ft question 01 the issuance of not to exceed $6,950,000 n principal anrhant of bonds pursuant to the Act, Said bonds to be seared by a Pledge Of and lien upon the CiNs receipts of the Tax (the '7ax Receiptsl; and WHEREAS, at a special election held August 5. 1997, a majority of the quail dactore of the cry voting On the aforementioned question approved the issuance of the bonds and the corresponding pledge of the Tax Receipts to the payment Moral and WHEREAS, grsuent to the Act and the mass of the aforementioned election, the Dry issued its City Of Fayetteville, Afkarsas Hotel and Restaurant Gress Receipts Tax Bonds, Sarles 1998, dated November 1, 1998 (the 'Senm 1998 Bonet, for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center (the -1998 Pnfiectl; and WHEREAS, Rte Series 1998 Bands were originally issued in the aggregate panipai amount a $6.950.000, of which $6,620,000 preamity remains onstanding: and WHEREAS, the City has also, pursuant to the Act and an Ordinarhra duty adopted by the Ciry, previously Issued its $2,675,000 City of Fayettevilie, Arkansas Hole and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995 (Re "Sedes 1995 Bo ds'):of which $700,000 in Principal anent Presently remains onstanding, Is the Purpose of financing the ca¢Lvcuon and mopping of convention facilities: and WHEREAS, the Gry has now delemtlned that debt service savings ran be realized with respect to the Sense 1998 Bonds by asuig As Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 ghe 'Senes 2003 Dorsal, for the W noose of refunding the Senes 1998 Bonds; and WHEREAS, the payment of debt service on the Series 2003 Bonds will be seared by a pledge of Me Tax Receipts on a junior aro Subordinate basU t0 the pledge Of Tax RacaPk securing the payment n of debt service on the Series 1995 Bonds: and NOW, THEREFORE, BE IT ORDAINED by the Cry Cotnci of the City of FayenaAle, Arkansas that Section 1. Under the authority of the ConstltuWn and laws of the State of Arkansas, Including I Parttcukriy Amendment 65 to the Constitution of the State of Arkansas and tire Act, there is hereby authorized Ne mivance of bonds of the City to be designated as -Hotel and Restaurant Grew Fleceipts Tax Refunding Bonds, Spies 2003' (the 'Smes 2003 Randal. The Series 2003 Echols shat be issued • n the Original aggragate Principal amount of not in exceed Six Millon Su Hun clad Twenty Thousand I Oolars ($6,620,000), shat mature rot later than October 1, 2015, and slat bear interest at the rates specified in the Bond Purchase Agreement The average yield on the Series 2003 Bonds as a wade shall rot exceed 3.75% per annum. The proceeds of the Series 2003 Bonds volt be uWzed to Mance h a portion Of the cost of remaining the Series 1998 Bonds. to establish a debt service reserve for the Series 2003 Boras Of arrows a surety bond far reserve prromm, to pay a prennum far boo l insurance, if deaned wonomicahy beneficial, and to pay printing, underwriting, legal and other expenses inadental to the issuance of Ne Series 2003 Bonds. The Sense 2003 Bonds shall be issued in the forms and denominations, shall be dated, shall be numbered, steal mature, shall b r subject t0 redemption prior to maturity, and shat contain such other terms, covenants and Whill"S, ag as set forth In the Trust Indenture summed t0 this rmaefig• I . The Maya is hereby authorized and directed to "BOWS and deFrer the Series 2003 Bondsin substantially the tone thereof contained In the Trust Indenture Submitted to this meeting, and the City Clerk Is hereby authorized and directed to execute and deliver the Series 2003 Bonds and to affix the seal of the City thereto, end the Mayor and City Clerk we hereby authorized and directed, to cause the Serres 2003 Bunds to be accepted and authenticated by the Trustee. The Mayor is hereby authorized to border wily the Trustee. Stephens Inc., FayemAe, Arkansas (the - ndaxnter7, and Kutak Rock LLP, I Rock, Afkarreas ('Bohol Counsel, In oder to complete Me Series 2003 Bonds in substantially We toren contained in the Trust Indenture submittetl to this meeting, with Such changes as shall be approved by Such persons executing the Series 2003 Bons, their execution to constitute conclusive evidahce of arch approve. Section 2. In order to pay the principal of and Merest on the Series 2003 Bonds as May mean e or one called lar rnemPtbn Prior to rtetal thea is hereby pledged all of the Tax pesetas. The pledge of Tax Receipts is made an a jumior and subordinate basis to Ne prior pledge of Tax Receipts assuring ( repayment of the Series 1995 Bands. The levy and collection of the Tax shall not be discontinued or reduced while any of the Bonds are outstanding unless suMkAent funs are on deposit with the Trustee under the Trust Indenture to redeem ire Series 2003 Bods in full. The City payments and agrees that e0 Tax Receipts will be amounted for separately, as special funds m the books of the Gry, and el Tax Receipts will be deposted and will ho used so* as Provided in Me Trust Intervals. Section 3. To prescribe the terms end conditions upon which the Sense 2003 Bonds are to be executed authenticated, issued, accepted, held and seared the Mayor Is hereby authorized and directed to execute and ackrovAedge a Trust Indenture (Me 'Tnst IrWenturel, by and between the City antl Bank of Oklahoma, NA., Tulsa, Okeems (the 'Trusteal, end the Gry Cleric is hereby sumpfeed and directed to execute antl acN GwkKIMo the Test Indenture and to afro the seal T the Gry thereto, and the Mayor and the City Clerk Bre hereby authorized and directed to cause the Trust Indenture to be accepted, executed and acknoMeciged by the TwErms. The Trust Indenture is hereby approved in substantially the forth Submitted to this meel Including, without Irritation, the ProvIle s thereof Pertainin910 the pledge of Tax Receipts and Ns terms of the Series 2003 Bonds. The Mayor is hereby I uftdzed to Cana with firsTrustee, MO Underwriter fer aBond Counsel in order t0 complete We That fortune in substantially the form stbmittn to this meating, with such Gmanges as shall ho approved by such persons executing the Trust Indenture, mar execution to constitute coWuslve evidence of Such approval. (Advice Is given that a copy of the Trust Indenture In Subsimtletly the form eutho izeci to ho exacutn i5 an rile with the Gry Clerk antl Is evalable fa inspection by arty, marected person.) Section 4. There a hereby authorized and approved a Preliminary Of c al Statement of the City. I including Ne cover Page and appendices anaaed thereto, renting to Ne Senile 2003 Bonds. The Pre immary Official Statement S hereby 'seemed final' by the City within the meaning of U.S. Securities and Exchange Commission Fria 15c2-12. The distribution of the Pmimrary Oficial Statement is hereby t approved. The Preliminary Oficia Statarri as amended to Conform to the tarts a the Bond Purchase Agreement, involing Exhibit A thereto. and with such other changes and amendments as are mutually agreed to by the Ciry and the UnENWITI i5 herein referretl to as the 'Official Statement; and t the Mayor Is hereby euthodzed to execute the Official Statement for and on behalf of the Gry. The Olfidal Statement IS hereby approved in Substantially the form of the Preliminary Official Statement submitted to INS meeting, and the Maya is hereby auRhonzed to confer with the Trustee, the Underwriter and Bond Course n oder to complete the Official Statement in Subatantiay the form of the Pretmibery Offda Statement submitted to this meeting, with such changes as shell be approved by such persons, the Mayors exeaaim to constitute conclusive evidence of such approval. (Advice Is given that a copy of the Preliminary Official Statement Is on file with the City Clerk and Is available for inspection by any Interested person.) Section 5. In order to prawnee the tams and conditions upon which the Series 2003 Bonds are to be Said b de Unermilc. the Mayor b hereby auMObz9d and dracled to execute a Bond Purchase Agreement an behalf of the Gry, to t» dated as of the date of Its executtorn (the 'Bond Purchase Agreernal by and between the Cry and the Underwriter, and the Bao Punches Agreement a hereby approves in substantial y the toren submitted to this meeting, and the Mayor is hereby authorized to canto with the Underwriter and Bond Counsel in atler to complete the Bond Purchase Agreement in • substantiaty the form submitted to this meeting, with Stash Charges as shell be approved by such persons executing the Bond Purchase Agreement, Mw SwCUlan to constitute evidence of such approve. (Advice is given that a copy of rhe Bond Purchase Agreement In substantiary the torn authorized to ho executed Is on to with the Gry Clerk anis avalable for inspection by any Interested person.) Section 6. In order, to Provide for the redemption of the Series 1936 Bonds, the Mayor is hereby sudhorizeld end directed to execute an Esci Deposit Agreement to ho dated as of the data of he execution (the 'EsaOw Agrearnentl, by an between the City and Dank of ONahorl NA., a5 Sammy trustee (the -Escmw Trusteal, and Ne Mayor is hereby authorized and directed to cause the Escrow Agreement to ho executed by the Escrow Trustee. The Escrow Agreement Is hereby approved n subssMkly the form Submitted to this meeting, antl the Mayor Is hereby authorizetl to confer wily the lndavrtlter, the Escrow Trustee and Bond Cuff" In order W complete iia Essaw Agreement In substmikly Re form Subrined to MIS meeting, with Such changes as 9a1 be approved by such persons axecu4rg the ESCrow Agreement, their execution to mnstrum conclusive evidence of sucih approval. (Advice Is given that a copy of the Escrow Agreement In subwentiey,the farts authorized io be executed is an lila with tie City Clerk ab a evadable for inspection by any interested person.) Section 7. In ordef to provide fa conilairg disclosure of contain financial and! Operating information with respect to the Tax and the City in compliance with the Provisions of Rue 1502-12 0f 0-9 U. S. Secu iDes and Exchange Commission, the Maya Is hereby authorized and directed to execute a Continuing Disclosure Agreement to be dated as of the date of its execurtim (the 'Continuing Disclosva Agreemmtlk by and between ire City and the Trustee. and the Mayor Is hereby aunwrized and directed b Cahse Rho CpnMung Dlstloare Agreement to be executed by the Trustee. The Continuing g Diaccesure Agreements is hereby approved In Substantially ria forth submitted to this mewing, and the Mayo 5 hereby authorized to confer wily the Trustee, Ne Underwriter and Bond Counsel n order 10 complete the Continuing Disclosure Agreement in substands the form submitted to this mewing, with such flanges as shall be approved by Such persons executing the Continuing Disaosure Agreement, their exepbon to wnstitute 00nchava syserce of such approval. (Advice Is given that a copy of the Contrua g Disclosure Agrmmenb In shbscarmly the form athonzed • to be (Oeduted is m Ne with the City Clerk and a avaWe for inspection by any interested person.) Section 8. In other to secure lower interest rates on the Senes 2003 Bons, the Underwriter has Proposed that Ne City consider the purchase of a policy of bond Insurance with a.potion of Ne Proceeds of the Saks 2003 Bonds. which Policy wait guarantee the payment of the principal Of and interest On the Series 20D3 Bons when due. 11 deemed aboxxonkaty advantageous by the May, upon the advice of the Undawnta, the Mayan is hereby authorized to wasum an insurance commitment an to der a v and at things necessary to acmnprsh Ra delivery of a bond insurance policy with respect to Rhe Series 2003 Bonds. Section 9. The Mayor and Cry Clerk, for and on behalf of the City, are hereby aulb prem and crashed to do cry and en ttirgs necessary to effect the seance, sae. execution and delivery of the Serine 2003 Bonds and re affect the axexRiorh end delivery of Ne Thal Indenture, the Bond purchase Agreement, the Oficial Statement, t e Escrow Agreement, the Cementing Disclosure Agreement and a Tax Regulatory Agreement relating to the tax exemption of interest on the Series 2003 Bonds, and to perform al of Ne obligations of the City under and pursuant thereto. The Mayor and the City Clerk ere further authorized end directed, for and on belall of the Ciry, to SwCute all Papers, documents, certificates and other instruments that may ho required Ic ire carrying an of such a thonty Of to evidence the exercise thereof. Section 10. The provision of this Ordinaboo she hereby doomed to be severable, aro it any section, phrase a provision shall for any reason be declared to be illegal or Invalid. such decaratjpn shall not affect the validity of the remember of the sectors, phrases Or prowabns of this Ordinance. Section 11. M oNinences, resokAio and pans Rereof n c ffict heruMth ale hereby repealed to le Want of such confict. PASSED and APPROVED this the 20th day of May, 2003. APPROVED: DAN GOODY. Mayer ATTEST: Scridmi nm, Gary Clerk :._ 1 I FAYETTEVtLLE THE CITY OF FAYETTEVIEEE, ARKANSAS DEPARTMENTAL CORRESPONDENCE To: Steve Davis Finance and Internal Services From: Clarice Buffalohead-Pearman City Clerk's Division Date: 5/28/2003 Re: Ordinance No. 4488 Attached hereto is an executed copy of the above ordinance passed by the City Council May 20, 2003, authorizing the issuance and sale of Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003; and authorizing the execution of an Official Statement; Bond Purchase Agreement, Escrow Deposit Agreement and a continuing Disclosure Agreement. This information has been recorded in the city clerk's office and will be microfilmed for archives. Also attached is a copy of the Affidavit of Publication. If anything else is needed please let the city clerk's office know. /cbp Attachment(s) cc: Nancy Smith, Internal Auditor FAYETTEALLE THE CITY OF FAYETTEVILLE, ARKANSAS Item # 9. Hotel & Restaurant Bonds (Series 2003) : Additional Information : The Preliminary Official Statement, Trust Indenture, Bond Purchase Agreement, Escrow Deposit Agreement, and Continuing Disclosure Agreement documents that are related to this Agenda Item are available for your review in the City Clerk's Office. 113WESTMOUNTAIN 72701 479-521-7700 FAX 479-575-8257 oRb STAFF REVIEW FORM 5 /Z,o� ZOo3 XX AGENDA REQUEST • • >o'^� �� ���� CONTRACT "REVIEW GRANT REVIEW For the Fayetteville City Council Meeting of : May 20, 2003 . FROM : Stephen Davis Finance & Internal Services Div. Finance & Internal Services Name Division Department ACTION REQUIRED : Approval of an ordinance authorizing the issuance and sale of not to exceed $6,620,000 of Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series, 2003. COST TO CITY : Cost of issuance is deducted from bond proceeds Cost of this request Program Category / Project Name Account Number Funds Used to Date Program / Project Category Name Project Number Remaining Balance Fund Name BUDGET REVIEW : V Budgeted Item Budget Adjustment Attached Budget Ma ger Date CONTRACT /GRANT/LEASE REVIEW : 1�J la, o Accounting Man ger D� Internal Auc} for D � � 5III �3 City Attorney Date Purchasing Manager Date STAFF RECOMMENDATION : Cross Reference Division Head Date New Item : Yea 'r7 No Department Director Date Previous Ord/Res# : F e S . 43 - 03 ARE� � Z r( Orig . Contract Date (, i+inance . & Internal Services Dir . Date 5 Orig . Contract Number- Fo3 Chief d" , nisirative Officer Date Mayor Date Description Comments: Budget Manager Accounting Manager City Attorney Purchasing Manager ADA Coordinator Internal Auditor Grants Coordinator • Staff Review Form - Page 2 • Meeting Date Reference Comments: KUTAK ROCK LLP DRAFT 4/25/03 ORDINANCE NO. AN ORDINANCE AUTHORIZING THE ISSUANCE AND SALE OF NOT TO EXCEED $6,620,000 OF HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS, SERIES 2003, BY THE CITY OF FAYETTEVILLE, ARKANSAS FOR THE PURPOSE OF REFUNDING THE CITY'S OUTSTANDING HOTEL AND RESTAURANT GROSS RECEIPTS TAX BONDS, SERIES 1998; AUTHORIZING THE EXECUTION AND DELIVERY OF A TRUST INDENTURE PURSUANT TO WHICH THE SERIES 2003 BONDS WILL BE ISSUED AND SECURED; AUTHORIZING THE EXECUTION AND DELIVERY OF AN OFFICIAL STATEMENT PURSUANT TO WHICH THE SERIES 2003 BONDS WILL BE OFFERED; AUTHORIZING THE EXECUTION AND DELIVERY OF A BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF THE SERIES 2003 BONDS; AUTHORIZING THE EXECUTION AND DELIVERY OF AN ESCROW DEPOSIT AGREEMENT PROVIDING FOR THE REDEMPTION OF THE SERIES 1998 BONDS; AUTHORIZING THE EXECUTION AND DELIVERY OF A CONTINUING DISCLOSURE AGREEMENT; AND PRESCRIBING OTHER MATTERS RELATING THERETO. WHEREAS, the City of Fayetteville, Arkansas (the "City") is authorized under the provisions of the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), to issue its bonds secured by and payable from the revenues derived by the City from the one percent (1%) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on -premises or off -premises consumption; and WHEREAS, pursuant to the provisions of Ordinance No. 4038, duly adopted by the City on June 3, 1997, there was submitted to the qualified electors of the City the question of the issuance of not to exceed $6,950,000 in principal amount of bonds pursuant to the Act, said bonds to be secured by a pledge of and lien upon the City's receipts of the Tax (the "Tax Receipts"); and WHEREAS, at a special election held August 5, 1997, a majority of the qualified electors of the City voting on the aforementioned question approved the issuance of the bonds and the corresponding pledge of the Tax Receipts to the payment thereof; and WHEREAS, pursuant to the Act and the results of the aforementioned election, the City issued its City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 10-47560.2/1 0 1998, dated November 1, 1998 (the "Series 1998 Bonds"), for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center (the "1998 Project"); and WHEREAS, the Series 1998 Bonds were originally issued in the aggregate principal amount of $6,950,000, of which $6,620,000 presently remains outstanding; and WHEREAS, the City has also, pursuant to the Act and an ordinance duly adopted by the City, previously issued its $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995 (the "Series 1995 Bonds"), of which $700,000 in principal amount presently remains outstanding, for the purpose of financing the construction and equipping of convention facilities; and WHEREAS, the City has now determined that debt service savings can be realized with respect to the Series 1998 Bonds by issuing its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Series 2003 Bonds"), for the purpose of refunding the Series 1998 Bonds; and WHEREAS, the payment of debt service on the Series 2003 Bonds will be secured by a• pledge of the Tax Receipts on a junior and subordinate basis to the pledge of Tax Receipts securing the payment of debt service on the Series 1995 Bonds; and NOW, THEREFORE, BE IT ORDAINED by the City Council of the City of Fayetteville, Arkansas that: Section 1. Under the authority of the Constitution and laws of the State of Arkansas, including particularly Amendment 65 to the Constitution of the State of Arkansas and the Act, there is hereby authorized the issuance of bonds of the City to be designated as "Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003" (the "Series 2003 Bonds"). The Series 2003 Bonds shall be issued in the original aggregate principal amount of not to exceed Six Million Six Hundred Twenty Thousand Dollars ($6,620,000), shall mature not later than October 1, 2015, and shall bear interest at the rates specified in the Bond Purchase Agreement. The average yield on the Series 2003 Bonds as a whole shall not exceed 3.75% per annum. The proceeds of the Series 2003 Bonds will be utilized to finance a portion of the cost of redeeming the Series 1998 Bonds, to establish a debt service reserve for the Series 2003 Bonds or purchase a surety bond for reserve purposes, to pay a premium for bond insurance, if deemed economically beneficial, and to pay printing, underwriting, legal and other expenses incidental to the issuance of the Series 2003 Bonds. The Series 2003 Bonds shall be issued in the forms and denominations, shall be dated, shall be numbered, shall mature, shall be subject to redemption prior to maturity, and shall contain such other terms, covenants and conditions, all as set forth in the Trust Indenture submitted to this meeting. The Mayor is hereby authorized and directed to execute and deliver the Series 2003 Bonds in substantially the form thereof contained in the Trust Indenture submitted to this meeting, and the. City Clerk is hereby authorized and directed to execute and deliver the Series 2003 Bonds and to affix the seal of the City thereto, and the Mayor and City Clerk are hereby authorized and directed to cause the Series 2003 Bonds to be accepted and authenticated by the Trustee. The Mayor is hereby authorized to confer with the Trustee, Stephens Inc., Fayetteville, 10-47560.2/2 2 Arkansas (the "Underwriter"), and Kutak Rock LLP, Little Rock, Arkansas ("Bond Counsel"), in order to complete the Series 2003 Bonds in substantially the form contained in the Trust Indenture submitted to this meeting, with such changes as shall be approved by such persons executing the Series 2003 Bonds, their execution to constitute conclusive evidence of such approval. Section 2. In order to pay the principal of and interest on the Series 2003 Bonds as they mature or are called for redemption prior to maturity, there is hereby pledged all of the Tax Receipts. This pledge of Tax Receipts is made on a junior and subordinate basis to the prior pledge of Tax Receipts securing repayment of the Series 1995 Bonds. The levy and collection of the Tax shall not be discontinued or reduced while any of the Bonds are outstanding unless sufficient funds are on deposit with the Trustee under the Trust Indenture to redeem the Series 2003 Bonds in full. The City covenants and agrees that all Tax Receipts will be accounted for separately as special funds on the books of the City, and all Tax Receipts will be deposited and will be used solely as provided in the Trust Indenture. Section 3. To prescribe the terms and conditions upon which the Series 2003 Bonds are to be executed, authenticated, issued, accepted, held and secured, the Mayor is hereby authorized and directed to execute and acknowledge a Trust Indenture (the "Trust Indenture"), by and between the City and Bank of Oklahoma, N.A., Tulsa, Oklahoma (the "Trustee"), and the City Clerk is hereby authorized and directed to execute and acknowledge the Trust Indenture and to affix the seal of the City thereto, and the Mayor and the City Clerk are hereby authorized and directed to cause the Trust Indenture to be accepted, executed and acknowledged by the Trustee. The Trust Indenture is hereby approved in substantially the form submitted to this meeting, including, without limitation, the provisions thereof pertaining to the pledge of Tax Receipts and the terms of the Series 2003 Bonds. The Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Trust Indenture in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Trust Indenture, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Trust Indenture in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 4. There is hereby authorized and approved a Preliminary Official Statement of the City, including the cover page and appendices attached thereto, relating to the Series 2003 Bonds. The Preliminary Official Statement is hereby "deemed final" by the City within the meaning of U.S. Securities and Exchange Commission Rule 15c2-12. The distribution of the Preliminary Official Statement is hereby approved. The Preliminary Official Statement, as amended to conform to the terms of the Bond Purchase Agreement, including Exhibit A thereto, and with such other changes and amendments as are mutually agreed to by the City and the Underwriter, is herein referred to as the "Official Statement," and the Mayor is hereby authorized to execute the Official Statement for and on behalf of the City. The Official Statement is hereby approved in substantially the form of the Preliminary Official Statement submitted to this meeting, and the Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Official Statement in substantially the form of the 10-07560.2/3 3 Preliminary Official Statement submitted to this meeting, with such changes as shall be approved by such persons, the Mayor's execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Preliminary Official Statement is on file with the City Clerk and is available for inspection by any interested person.) Section 5. In order to prescribe the terms and conditions upon which the Series 2003 Bonds are to be sold to the Underwriter, the Mayor is hereby authorized and directed to execute a Bond Purchase Agreement on behalf of the City, to be. dated as of the date of its execution (the "Bond Purchase Agreement"), by and between the City and the Underwriter, and the Bond Purchase Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter and Bond Counsel in order to complete the Bond Purchase Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Bond Purchase Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Bond Purchase Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 6. In order to provide for the redemption of the Series 1998 Bonds, the Mayor is hereby authorized and directed to execute an Escrow Deposit Agreement to be dated as of the date of its execution (the "Escrow Agreement"), by and between the City and Bank of Oklahoma, N.A., as escrow trustee (the "Escrow Trustee"), and the Mayor is hereby authorized and directed to cause the Escrow Agreement to be executed by the Escrow Trustee. The Escrow Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter, the Escrow Trustee and Bond Counsel in order to complete the Escrow Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Escrow Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Escrow Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 7. In order to provide for continuing disclosure of certain financial and operating information with respect to the Tax and the City in compliance with the provisions of Rule 15c2-12 of the U. S. Securities and Exchange Commission, the Mayor is hereby authorized and directed to execute a Continuing Disclosure Agreement to be dated as of the date of its execution (the "Continuing Disclosure Agreement"), by and between the City and the Trustee, and the Mayor is hereby authorized and directed to cause the Continuing Disclosure Agreement to be executed by the Trustee. The Continuing Disclosure Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Continuing Disclosure Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Continuing Disclosure Agreement, their execution to constitute conclusive evidence of such approval. 10-47560.2/4 4 S (Advice is given that a copy of the Continuing Disclosure Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 8. In order to secure lower interest rates on the Series 2003 Bonds, the Underwriter has proposed that the City consider the purchase of a policy of bond insurance with a portion of the proceeds of the Series 2003 Bonds, which policy would guarantee the payment of the principal of and interest on the Series 2003 Bonds when due. If deemed economically advantageous by the Mayor, upon the advice of the Underwriter, the Mayor is hereby authorized to execute an insurance commitment and to do any and all things necessary to accomplish the delivery of a bond insurance policy with respect to the Series 2003 Bonds. Section 9. The Mayor and City Clerk, for and on behalf of the City, are hereby authorized and directed to do any and all things necessary to effect the issuance, sale, execution and delivery of the Series 2003 Bonds and to effect the execution and delivery of the Trust Indenture, the Bond Purchase Agreement, the Official Statement, the Escrow Agreement, the Continuing Disclosure Agreement and a Tax Regulatory Agreement relating to the tax exemption of interest on the Series 2003 Bonds, and to perform all of the obligations of the City under and pursuant thereto. The Mayor and the City Clerk are further authorized and directed, for and on behalf of the City, to execute all papers, documents, certificates and other instruments that may be required for the carrying out of such authority or to evidence the exercise thereof. Section 10. The provisions of this Ordinance are hereby declared to be severable, and if any section, phrase or provision shall for any reason be declared to be illegal or invalid, such declaration shall not affect the validity of the remainder of the sections, phrases or provisions of this Ordinance. 10-47560.v5 5 Section 11. All ordinances, resolutions and parts thereof in conflict herewith are hereby repealed to the extent of such conflict. ADOPTED AND APPROVED THIS DAY OF , 2003. APPROVED: Mayor ATTEST: City Clerk (SEAL) 10-47560.2/6 6 FAYETTE % LLE THE CITY OF FAYETTEVILLE, ARKANSAS KIT WILLIAMS, CITY ATTORNEY DAVID WHITAKER, ASST. CITY ATTORNEY LEGAL DEPARTMENT DEPARTMENTAL CORRESPONDENCE TO: Steve Davis, Finance & Internal Services Director FROM: Kit Williams, City Attorney DATE: April 30, 2003 RE: Refunding Ordinance for Town Center Bond Section 1: The original Town Centers Bonds were specifically limited to a number of years before they would be paid off. It appears that the October 1, 201$ date complies with that requirement. Please confirm we are within the allotted pay off period if we refinance. FAYETTEdILLE � THE CRY OF FAYETTEVILLE, ARKANSAS DEPARTMENTAL CORRESPONDENCE TO: Fayetteville City Council THROUGH: Dan Coody, Mayor • Hugh Earnest, Chief Administrative Officer FROM: Stephen Davis, Finance & Internal Services Direct DATE: April 28, 2003 SUBJECT: City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds — Series 1998 Background The City issued bonds to pay for a portion of the construction cost of the Fayetteville Town Center in 1998. The City's bond underwriter for the original bond issue, Stephen's Inc, has previously provided the City with an analysis that predicts a net present value benefit of approximately $334,000 when the bonds are re -financed. Discussion City Council previously authorized Staff, Kutak Rock (bond counsel), and Stephens, Inc (bond underwriter) to begin developing the necessary bond documents to re -finance the 1998 Town Center Bond Issue. This bond re=financing proposal has been made to the Advertising & Promotion Commission and they approved a resolution in support of re -financing the bonds. This request places the re -financing ordinance before City Council for approval. Additionally, a draft of the City of Fayetteville Hotel and Motel Gross Receipts Tax Refunding Bonds, Series 2003 Trust Indenture is included for Council review. The series 2003 bonds are expected to be sold and the bond issue closed on July 10, 2003. Conclusion The Advertising & Promotion Commission and Staff recommend enactment of the re -financing ordinance. K:\Steve Davis\Debt Financing\Town Center Bond Issue Refunding Ordinance Council Memo.doc • • KUTAK ROCK LLP DRAFT 04/28/2003 CITY OF FAYETTEVILLE, ARKANSAS, Issuer to BANK OF OKLAHOMA, N.A., Trustee TRUST INDENTURE Dated as of July 1, 2003 Providing for: City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Prepared by: Kutak Rock LLP 425 West Capitol Avenue, Suite 1100 Little Rock, Arkansas 72201 10-47392.2 TABLE OF CONTENTS (This Table of Contents is not part of the Trust Indenture and is only for convenience of reference.) Parties................................................................................................................ Recitals.............................................................................................................. GrantingClauses............................................................................................... ARTICLE I DEFINITIONS ..................1 .........................1 ......................... 3 Section101. Definitions............................................................................................................... 4 Section102. Use of Words......................................................................................................... 11 ARTICLE II THE BONDS Section 201. Security for Bonds................................................................................................. 11 Section 202. Authorized Amount............................................................................................... 12 Section 203. Details of Bonds..................................................................................................... 12 Section204. Form of Bonds....................................................................................................... 12 Section205. Payment.................................................................................................................. 13 Section206. Execution...............................................................................................................13 Section 207. Authentication........................................................................................................13 Section 208. Delivery of Bonds..................................................................................................13 Section 209. Mutilated, Destroyed or Lost Bonds......................................................................15 Section 210. Registration and Transfer of Bonds....................................................................... 15 Section211. Cancellation....................................................................................................0......16 Section 212. Additional Bonds......................................................................0..0..0...................... 17 Section 213. Superior Obligations Prohibited............................................................................ 17 Section 214. Temporary Bonds................................................................................................... 18 Section 215. Book -Entry Bonds; Securities Depository............................................................. 18 ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY Section 301. Redemption of Bonds............................................................................................ 19 Section302. Notice..................................................................................................................... 19 Section 303. Selection of Bonds to be Redeemed...................................................................... 20 Section 304. Surrender of Bonds Upon Redemption................................................................... 20 Section 305. Redemption in Part................................................................................................ 20 10-47392.2 • 0. ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Section 401. Payment of Principal, Premium and Interest......................................................... 21 Section 402. Performance of Covenants..................................................................................... 21 Section 403. Instruments of Further Assurance.......................................................................... 21 Section 404. Recordation and Filing........................................................................................... 21 Section 405. Inspection of Books............................................................................................... 22 Section406. Tax Covenants .................................... ................................ ... ................................ 22 Section 407. Trustee's and Paying Agent's Fees and Expenses ................................................. 22 Section 408. Construction of Projects; Certification of Completion Date ................................. 22 Section 409. Encumbrances........................................................................................................ 23 Section 410. Continuing Disclosure ...................................... .......................................a............. 23 Section 411. Authority of Commission....................................................................................... 23 ARTICLE V REVENUES AND FUNDS Section 501. Creation of Funds and Accounts............................................................................ 23 Section502. Project Fund...........................................................................................................24 Section 503. Revenue Fund..............................................................:......................................... 25 Section504. Bond Fund.............................................................................................................. 26 Section 505. Cost of Issuance Fund ...........26 26 Section506. Redemption Fund................................................................................................... 27 Section507. Rebate Fund............................................................................6.660..........................27 Section 508. Debt Service Reserve Fund.........................................................a.... a..................... 28 Section 509. Cessation of Fund Deposits.................................................................................... 28 Section 510. Separate Accounts Authorized................................................................................ 28 ARTICLE VI INVESTMENTS Section 601. Investment of Moneys........................................................................................... 29 Section 602. Investment Earnings.............................................................................................. 29 Section 603. Valuation of Funds................................................................................................. 29 Section 604. Responsibility of Trustee....................................................................................... 30 ARTICLE VII DISCHARGE OF LIEN Section701. Discharge of Lien................................................................................................... 30 Section702. Bonds Deemed Paid............................................................................................... 32 Section 703. Non -Presentment of Bonds.................................................................................... 30 ARTICLE VIII DEFAULT PROVISIONS AND REMEDIES OF TRUSTEE AND BONDHOLDERS 10-47392.2 ii Section 801. Events of Default................................................................................................... 31 Section 802. Acceleration........................................................................................................... 31 Section 803. Other Remedies; Rights of Bondholders............................................................... 32 Section 804. Right of Bondholders to Direct Proceedings......................................................... 32 Section 805. Appointment of Receiver.......................................................................................32 Section806. Waiver............................................................ .....;.................................................. 33 Section 807. Application of Moneys.......................................................................................... 33 Section 808. Remedies Vested in Trustee.................................................................................. 34 Section 809. Rights and Remedies of Bondholders.................................................................... 34 Section 8 Termination of Proceedings...........................................................0....................... 35 Section 811. Waivers of Events of Default................................................................................. 35 ARTICLE IX TRUSTEE AND PAYING AGENT Section 901. Acceptance of Trusts............................................................................................. 35 Section 902. Fees, Charges and Expenses of Trustee and Paying Agent ................................... 37 Section 903. Additional Duties of Trustee.................................................................................. 38 Section 904. Notice to Bondholders of Default.......................................................................... 39 Section 905. Intervention by Trustee.......................................................................................... 39 Section 906. Merger or consolidation of Trustee....................................................................... 39 Section 907. Resignation by Trustee.......................................................................................... 39 Section 908. Removal of Trustee................................................................................................ 39 Section 909. Appointment of Successor Trustee........................................................................ 39 Section 910. Concerning Any Successor Trustee....................................................................... 40 Section 911. Reliance Upon Instruments.................................................................................... 40 Section 912. Appointment of Co-Trustee................................................................................... 40 Section 913. Designation and Succession of Paying Agent ....................................................... 41 ARTICLE X SUPPLEMENTAL INDENTURES Section Section 1001. 1002. Supplemental Indentures Supplemental Indentures Not Requiring Consent of Bondholders......... ............. Requiring Consent of Bondholders........ ..................... 41 42 Section 1003. Effect of Supplemental Indentures...................................................................... 43 ARTICLE XI MISCELLANEOUS Section 1101. Consents, etc. of Bondholders............................................................................. 43 Section1102. Notices................................................................................................................. 43 Section 1103. Limitation of Rights............................................................................................. 44 Section1104. Severability.......................................................................................................... 44 Section 1105. Applicable Provisions of Law.............................................................................. 44 Section1106. Counterparts.........................................................................................................44 Section 1107. Successors and Assigns....................................................................................... 44 10-47392.2 111 0 Section1108. Captions ...... ..........:................................................. ..... ........................................ 45 Section 1109. Photocopies and Reproductions.......... . ......... 45 Section 1110. Bonds Owned by City.......................................................................................... 45 Signatures......................................................................................................................................46 Exhibit A Form of Series 2003 Bond............................................................................... A-1 Exhibit B Form of Coverage Certificate ................ ...........................................................B-1 Exhibit C Form of Requisition. ...... ...... ......... . ........... ..... . C-i 10-47392.2 iv TRUST INDENTURE THIS TRUST INDENTURE, made and entered into as of July 1, 2003, by and between the CITY OF FAYETTEVILLE, ARKANSAS, a city of the first class organized under and existing by virtue of the laws of the State of Arkansas (the "City"), as party of the first part, and BANK OF OKLAHOMA, N.A., a national banking association organized under and existing by virtue of the laws of the United States of America, with its principal office, domicile, and post office address in Tulsa, Oklahoma (the "Trustee"), as party of the second part; WITNESSETH: WHEREAS, the City is authorized under the provisions of the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), to issue its bonds secured by and payable from the revenues derived by the City from the one percent (1%) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on -premises or off - premises consumption; and WHEREAS, pursuant to the provisions of Ordinance No. 4038, duly adopted by the City on June 3, 1997, there was submitted to the qualified electors of the City. the question of the issuance of not to exceed $6,950,000 in principal amount of bonds pursuant to the Act, said bonds to be secured by a pledge of and lien upon the City's receipts of the Tax (the "Tax Receipts"); and WHEREAS, at a special election held August 5, 1997, a majority of the qualified electors of the City voting on the aforementioned question approved the issuance of the bonds and the corresponding pledge of the Tax Receipts to the payment thereof; and WHEREAS, pursuant to the Act and the results of the aforementioned election, the City issued its City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998 (the "Series 1998 Bonds"), for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center (the "1998 Project"); and WHEREAS, the Series 1998 Bonds were originally issued in the aggregate principal amount of $6,950,000, of which $6,620,000 presently remains outstanding; and WHEREAS, the City has also, pursuant to the Act and an ordinance duly adopted by the City, previously issued its $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995 (the "Series 1995 Bonds"), of which $700,000 in principal amount presently remains outstanding, for the purpose of financing the construction and equipping of convention facilities; and 10-47392.2 WHEREAS, pursuant to the Act and the provisions of Ordinance No. _ of the City, adopted by the City Council of the City on , 2003 (the "Authorizing Ordinance"), the City has now determined that debt service savings can be realized with respect to the Series 1998 Bonds by issuing its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Series 2003 Bonds"), for the purpose of refunding the Series 1998 Bonds; and WHEREAS, the payment of debt service on the Series 2003 Bonds will be secured by a pledge of the Tax Receipts on a junior and subordinate basis to the pledge of Tax Receipts securing the payment of debt service on the Series 1995 Bonds; and WHEREAS, the Series 2003 Bonds and the Trustee's Certificate of Authentication to be endorsed thereon are to be in substantially the forms set forth in Exhibit A hereto, with necessary and appropriate variations, omissions and insertions as permitted or required by this Indenture; and WHEREAS, the execution and delivery of this Indenture and the issuance of the Series 2003 Bonds have been in all respects duly and validly authorized by the Authorizing Ordinance; and WHEREAS, all things necessary to make the Series 2003 Bonds, when authenticated by the Trustee and issued as in this Indenture provided, the valid, binding and legal obligations of the City according to the import thereof, and to constitute this Indenture a valid obligation of the City and a valid pledge of the Tax Receipts to the payment of the principal of and premium, if any, and interest on the Series 2003 Bonds, as specified in and in accordance with the provisions of the Act and the provisions hereof, have been done and performed, and the creation. execution and delivery of this Indenture and the creation, execution, issuance and delivery of the Series 2003 Bonds, subject to the terms hereof, have in all respects been duly authorized; NOW, THEREFORE, KNOW ALL PERSONS BY THESE PRESENTS, THIS INDENTURE WITNESSEtH: That the City, in consideration of the premises and the acceptance by the Trustee of the trusts hereby created and of the purchase and acceptance of the Series 2003 Bonds by the holders and owners thereof, and the sum of Ten Dollars ($10.00), lawful money of the United States of America, to it duly paid by the Trustee, at or before the execution and delivery of these presents, and for other good and valuable consideration, the receipt of which is hereby acknowledged, and in order to secure the payment of the principal of and premium, if any, and interest on the Series 2003 Bonds and all Additional Bonds (hereinafter defined), if any, according to their tenor and effect, and to secure the performance and observance by the City of all the covenants expressed or implied herein and in the Series 2003 Bonds and Additional Bonds • (collectively, the "Bonds"), subject to all of the provisions hereof, does hereby grant, bargain, sell, convey, mortgage, assign, transfer and pledge unto the Trustee, and unto its successor or successors in trust, and to them and their assigns forever, for the security of the performance of the obligations of the City hereinafter set forth, the following: 10-07392.2 2 Subject to the prior pledge securing the payment of debt service with respect to the Series 1995 Bonds, the revenues derived by the City from the Tax levied by the City upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on -premises or off -premises consumption (the "Tax Receipts"). The Tax has been levied by Ordinance No. 2310 adopted March 1, 1977, as amended, of the City pursuant to the authority of the Act, at the rate of one percent (1%). 2. The Bond Fund, Debt Service Reserve Fund, Redemption Fund, Project Fund and all other funds held by the Trustee pursuant to the Indenture except the Rebate Fund and Cost of Issuance Fund, and all moneys and investments in the pledged funds but subject to the provisions of this Indenture pertaining thereto, including the making of disbursements therefrom. 3. Any and all other moneys, rights and interests of every kind and nature which is from time to time hereafter conveyed, pledged, assigned or transferred by delivery or by writing or transfer of any kind, as and for additional security hereunder, by the City or by any other person, firm or corporation, to the Trustee, which is hereby authorized to receive any and all such property at any time and at all times and to hold and apply the same subject to the terms hereof. TO HAVE AND. TO HOLD all the same (the "Trust Estate") with all privileges and appurtenances hereby conveyed and assigned, or agreed or intended so to be, to the Trustee and its successors in said trusts and to them and their assigns forever; IN TRUST NEVERTHELESS, upon the terms and trusts herein set forth for the equal and proportionate benefit, security and protection of all owners of the said Bonds issued under and secured by this Indenture without privilege, priority or distinction as to lien or otherwise of any of said Bonds over any of the other Bonds; provided, however, that if the City, its successors or assigns, shall well and truly pay, or cause to be paid, the principal of, premium, if any, and interest due on the Bonds, at the times and in the manner provided in the Bonds according to the true intent and meaning thereof, and shall make the payments as required under this Indenture or shall provide, as permitted hereby, for the payment thereof by depositing with or causing to be deposited with the Trustee the entire amount due or to become due thereon, and shall well and truly keep, perform and observe all of the covenants and conditions pursuant to the terms of this Indenture to be kept, performed and observed by it, and shall pay to the Trustee all sums of money due or to become due to it in accordance with the terms and provisions hereof, then upon such final payments or deposits this Indenture and the lien and rights hereby granted shall cease, determine and be void; otherwise, this Indenture to be and remain in full force and effect. 10-47392.2 3 THIS INDENTURE FURTHER WITNESSETH that, and it is expressly declared that, all Bonds issued and secured hereunder are to be issued, authenticated and delivered and all said revenues and income hereby pledged are to be dealt with and disposed of under, upon and subject to the terms, conditions, stipulations, covenants, agreements, trusts, uses and purposes as hereinafter expressed, and the City has agreed and covenanted, and does hereby agree and covenant, with the Trustee and with the holders from time to time of the Bonds or any. part thereof, as follows, that is to say: ARTICLE I DEFINITIONS Section 101. Definitions. In addition to the words and terms elsewhere defined in this Indenture, the following words and terms as used in this Indenture shall have the following meanings: "Account" Means an Account established by Article V of this Indenture. "Act" means the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) § § 26-75-601 et seq., as from time to time amended. "Additional Bonds" means Bonds in addition to the Series 2003 Bonds which are issued under the provisions of Section 212 of this Indenture. "Additional Convention Facilities" means land, buildings, structures, machinery, furniture, fixtures, equipment and all related or• necessary tangible property constituting convention center improvements which are permitted to be financed under the provisions of the Act. "Annual Debt Service" means, with respect to all or any particular amount of Bonds, the Debt Service for any particular Fiscal Year required to be paid or set aside during such Fiscal Year, less the amount of such payment which is provided from the proceeds of the sale of Bonds or from sources other than Tax Receipts. "Authorized Representative" means either the Mayor or the Finance & Internal Services Director of the City and such additional persons as from time to time may be designated to act on behalf of the City by a Certificate furnished to the Trustee containing the specimen signature thereof and executed on behalf of the City by its Mayor. "Authorizing Ordinance" means Ordinance No. , adopted by the City on , 2003, which authorized the issuance of the Series 2003 Bonds pursuant to this Indenture. "Beneficial Owner" means any Person who acquires beneficial ownership interest in a Bond held by the Securities Depository. In determining the Beneficial Owner of any Bond, the Trustee may rely exclusively upon written representations made and information given to the 10-47392.2 4 Trustee by the Securities Depository or its Participants with respect to any Bond held by the Securities Depository in which a beneficial ownership interest is claimed. "Bond Counsel" means any firm of nationally recognized municipal bond counsel designated by the City and acceptable to the Trustee. "Bond Fund" means the fund by that name created and established in Section 501 of this Indenture. "Bonds" means the Series 2003 Bonds and all Additional Bonds, if any, authenticated and delivered under this Indenture. "Book -Entry System" means the book -entry system maintained by the Securities Depository and described in Section 215 of this Indenture. "Certificate" means a document signed by an Authorized Representative of the City attesting to or acknowledging the circumstances or other matters therein stated. "City" means the City of Fayetteville, Arkansas. "City Clerk" means the person holding the office and performing the duties of the City Clerk of the City. "Closing Date" means, with respect to any series of Bonds, the date upon which there is an exchange of such series of Bonds for the proceeds representing the purchase price for such series of Bonds by the Original Purchaser or Purchasers thereof. "Code" means the Internal Revenue Code of 1986, as from time to time amended, and applicable regulations issued or proposed thereunder. "Commission" means the Advertising and Promotion Commission of the City of Fayetteville, Arkansas, or any successor thereto. "Completion Date" means the date upon which a Project is first ready for normal continuous operation or the date upon which damaged Project facilities are replaced in normal and continuous operation. "Continuing Disclosure Agreement" means, collectively, each Continuing Disclosure Agreement between the City and the Trustee, dated the date of issuance and delivery of a series of Bonds, as originally executed and as amended from time to time in accordance with the terms thereof. "Cost of Issuance Fund" means the fund by that name created and established in Section 501 of this Indenture. "Costs of Issuance" means all items of expense payable or reimbursable directly or indirectly by the City and related to the authorization, sale and issuance of the Bonds, including, 10-47392.2 5 but not limited to, underwriting discounts, fees and expenses, election expenses, publication expenses, expenses of printing, reproducing, filing and recording documents, initial fees and charges of the Trustee and Paying Agent, fees and expenses for legal, accounting and other professional services, rating fees, costs of securing any credit enhancement for the Bonds, costs of execution, transportation and safekeeping of the Bonds, and other costs, charges and fees incurred in connection with the foregoing. "Debt Service" means, with respect to all or any particular amount of Bonds for any Payment Period, the amount required to pay the sum of the interest on such Bonds payable during the Payment Period and the principal of, and any other amount required to effect any mandatory redemption of, such Bonds, if any, during the Payment Period. "Debt Service Reserve Fund" means the fund by that name created and established in Section 501 of this Indenture. "Event of Default" means any event of default specified in Section 801 hereof. "Fiscal Year" means the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. "Fund" means a fund confirmed or established by Article V of this Indenture. "Government Securities" means (i) bonds, notes, certificates of indebtedness, treasury bills or other securities constituting direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America (including any such securities issued or held in book -entry form on the books of the Department of Treasury of the United States of America), and (ii) evidences of direct ownership or proportionate or individual interest in future interest or principal payments on specified direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America, which obligations are held by a bank or trust company organized and existing under the laws of the United States of America or any state thereof in the capacity of custodian in form and substance satisfactory to the Trustee. "Holder" or "Bondholder" or "Owner of the Bonds" means the registered owner of any Bond. "Indenture" means this Trust Indenture dated as of July 1, 2003, between the City and the Trustee, together with all indentures supplemental hereto. "Interest Payment Date" means any date on which interest is payable on the Bonds. "Investment Obligations" means, if and to the extent the same are at the time legal for investment of Funds and Accounts held under this Indenture: (a) Government Securities; 10-47392.2 6 (b) bonds, notes or other obligations of any state of the United States of America or any political subdivision of any state, which at the time of their purchase are rated in either of the two highest rating categories by a nationally recognized Rating Agency; (c) certificates of deposit or time or demand deposits constituting direct obligations of any bank, bank holding company, savings and loan association or trust company organized under the laws of the United States of America or any state thereof (including the Trustee or any of its affiliates), except that investments may be made only in certificates of deposit or time or demand deposits which are: (1) insured by the Federal Deposit Insurance Corporation, or any other similar United States Government deposit insurance program then in existence; or (2) continuously and fully secured by Government Securities, which have a market value, exclusive of accrued interest, at all times at least equal to the principal amount of such certificates of deposit or time or demand deposits; (d) short term discount obligations of the Federal National Mortgage Association and the Government National Mortgage Association; (e) money market mutual funds (1) that invest in Government Securities or that are registered with the federal Securities and Exchange Commission (SEC), meeting the requirements of Rule 2a-7 under the Investment Company Act of 1940, and (2) that are rated in either of the two highest categories by a nationally recognized Rating Agency; and [(f) with respect to the Debt Service Reserve Fund only, the Surety Bond.] "Mayor" means the person holding the office and performing the duties of the Mayor of the City. "Original Purchaser" means the first purchaser(s) of a series of Bonds from the City. "Outstanding" means, as of any date of computation, Bonds theretofore or thereupon being delivered under this Indenture, except: (a) Bonds cancelled at or prior to such date or delivered to or acquired by the Trustee at or prior to such date for cancellation; (b) Bonds deemed to be paid in accordance with Article VII of this Indenture; lit, (c) • Bonds in lieu of or in exchange or substitution for which other Bonds shall have been authenticated and delivered pursuant to this Indenture. 10-47392.2 7 "Participants" means those financial institutions for whom the Securities Depository effects book -entry transfers and pledges of securities deposited with the Securities Depository in the Book -Entry System, as such listing of Participants exists at the time of such reference. "Payment Period" means a period from, but not including, a Principal Payment Date up to, and including, the next succeeding Principal Payment Date. "Person" means any natural person, firm, association, corporation, limited liability company, partnership, joint stock company, joint venture, trust, unincorporated organization or firm, or.a government or any agency or political subdivision thereof or other public body. "Principal Payment Date" means any date on which principal is payable on the Bonds, whether at maturity, by operation of the mandatory sinking fund, or otherwise. "Project" means the 1998 Project and any Additional Convention Facilities that may be acquired, constructed or equipped in the future with the proceeds of Bonds issued hereunder. "1998 Project" means the construction of the Fayetteville Town Center, financed in part with the proceeds of the Series 1998 Bonds. "Project Costs" means, to the extent permitted by the Act or other applicable laws, with respect to a Project, all costs of planning, designing, purchasing, acquiring, constructing, improving, enlarging, extending, repairing, financing and placing in operation, including obtaining governmental approvals, certificates, permits and licenses with respect thereto, heretofore or hereafter paid or incurred by or on behalf of the City and which shall include, but shall not be limited to: (a) interest accruing in whole or in part on the Bonds prior to and during construction of a Project, including all amounts required by this Indenture to be paid from the proceeds of the Bonds into the Bond Fund; (b) preliminary investigation and development costs, engineering fees, contractors' fees, labor costs, the cost of materials, equipment, utility services and supplies, costs of obtaining permits, licenses and approvals, costs of real property, insurance premiums, legal and financing fees and costs, administrative and general costs, and all other costs properly allocable to the acquisition, construction and equipping of a Project and placing the same in operation; (c) all costs relating to injury and damage claims arising out of the acquisition, construction or equipping of a Project; (d) all other costs incurred in connection with, and properly allocable to, the acquisition, construction and equipping of a Project; and (e) amounts to pay or reimburse the City or any City fund for expenses of the City incident and properly allocable to such planning, designing, purchasing, acquiring, 10-47392.2 8 C El constructing, improving, enlarging, extending, repairing, financing and placing in operation of a Project. "Project Fund" means the fund by that name created and established in Section 501 of this Indenture. "Qualified Engineer" means an independent consulting engineer or firm of independent consulting engineers not in the regular employ of the City. "Rating Agency" means Moody's Investors Service, Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies, Inc., or Fitch, Inc., and their respective successors and assigns. If any such corporation ceases to act as a securities rating agency, the City may appoint any nationally recognized securities rating agency as a replacement. "Rebate Fund" means the fund by that name created and established in Section 501 of this Indenture. "Record Date" means the close of business on the 15th day of the calendar month next preceding each Interest Payment Date on the Bonds or, if such day shall not be a business day, the immediately preceding business day. "Redemption Fund" means the fund by that name created and established in Section 501 of this Indenture. "Requisition" means a written requisition of the City, consecutively numbered, signed by an Authorized Representative including, without limitation, the following with respect to each payment requested: (i) the name of the person or party to whom payment is to be made and the purpose of the payment, (ii) the amount to be paid thereunder; (iii) that such amount has not been previously paid by the City and is justly due and owing to the person(s) named therein as a proper payment or reimbursement of a Project Cost; and (iv) that no Event of Default exists under the Indenture and that, to the knowledge of the Authorized Representative, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. "Reserve Requirement" means, at any particular time, an amount equal to the least of (a) 10% of the face amount of [all][each series of] Outstanding Bonds, (b) the maximum Annual Debt Service on [all][each series of] Outstanding Bonds, or (c) 1.25 times the average Annual Debt Service on [all][each series of] Outstanding Bonds. For all purposes of this Indenture, the Reserve Requirement may be satisfied by cash or by Investment Obligations. 10.47392.2 9 "Revenue Fund" means the fund by that name confirmed and continued in Section 501 of this Indenture. "Securities Depository" means The Depository Trust Company, a limited -purpose trust company organized under the laws of the State of New York, or its nominee, and it successors and assigns, or any other depository institution appointed by the City to act as depository for the Bonds in connection with the Book -Entry -Only System. "Series 1995 Bonds" means the $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995, of which $700,000 in principal amount presently remains Outstanding. The Series 1995 Bonds are secured by and payable from the Tax Receipts on a prior and senior basis to the pledge of Tax Receipts securing the payment of the Bonds. "Series 1998 Bonds" means the $6,950,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998, of which $6,620,000 in principal amount presently remains Outstanding. The Series 1998 Bonds are being refunded with a portion of the proceeds of the Series 2003 Bonds. "Series 2003 Bonds" means the $ City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003, dated July 1, 2003, issued under and secured by this Indenture. "State" means the State of Arkansas. "Supplemental Indenture" means any indenture supplemental to or amendatory of this Indenture, adopted by the City in accordance with Article X hereof. ["Surety Bond" means the surety bond issued by guaranteeing certain payments into the Debt Service Reserve Fund with respect to the Series 2003 Bonds as provided therein and subject to the limitations set forth therein.] "Tax" means the one percent (1%) tax levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on -premises or off -premises consumption. "Tax Receipts" means receipts derived by the City from the levy of the Tax. "Tax Regulatory Agreement" means with respect to any series of Bonds issued under this Indenture, that Tax Regulatory Agreement of the City relating to maintenance of the 10-47392.2 10 excludability of interest on such Bonds from gross income for federal income tax purposes, delivered in connection with the issuance of such series of Bonds. "Trustee" and Paying Agent" means the trustee and paying agent for the time being, whether original or successor, with the same institution to always occupy both positions, and with the original Trustee and Paying Agent being Bank of Oklahoma, N.A., Tulsa, Oklahoma. "Trust Estate" means the property described in the granting clauses of this Indenture. Section 102. Use of Words. Words of the masculine gender shall be deemed and construed to include correlative words of the feminine and neuter genders. Unless the context shall otherwise indicate, the words "Bond," "owner," "holder," and "person" shall include the plural, as well as the singular number. ARTICLE II THE BONDS Section 201. Security for Bonds. (a) The Bonds are special and limited obligations of the City payable as to principal, premium, if any, and interest solely out of the Trust Estate. The Trust Estate is hereby pledged, appropriated and assigned to the payment of the principal of, premium, if any, and interest on the Bonds, all in accordance with their terms and the provisions of this Indenture. The Bonds do not constitute an indebtedness for which the faith and credit of the State of Arkansas or the City is pledged within the meaning of any Constitutional or statutory limitation. The Bonds shall never constitute an obligation of or a charge against the general credit or general taxing powers of the City. (b) The pledge, charge, lien, trusts and assignments made herein with respect to the Trust Estate shall be valid and binding, and shall be deemed continuously perfected from the time of issuance of the Series 2003 Bonds, and the Trust Estate shall thereupon be immediately subject to the pledge, charge, lien, trust and assignment created hereby upon receipt thereof by or for the City or by the Trustee and Paying Agent hereunder, without any physical delivery, segregation thereof or further act, and such pledge, charge, lien, trust and assignment shall be valid and binding as against all parties having claims of any kind in tort, contract or otherwise against the City, irrespective of whether such parties have notice thereof. (c) The Bonds shall be equally and ratably payable and secured hereunder without priority by reason of date of adoption of this Indenture or any Supplemental Indenture authorizing their issuance or by reason of their series, number, date, date of issue, execution, authentication or sale, or otherwise. (d) So long as any Bonds are Outstanding under the provisions of this Indenture, all Tax Receipts shall be deemed to be necessary to accomplish the purposes of the City and shall be subject to the covenants and agreements set forth in this Indenture, and no such Tax Receipts shall ever be used or deposited otherwise except as herein expressly permitted. 10-47392.2 11 (e) The City covenants, as permitted by the Act, that while any of the Bonds are Outstanding, the levy and collection of the Tax shall not be reduced or discontinued, and the City will use due diligence in causing the collection of the Tax. Nothing herein shall prohibit the City from increasing the rate of the Tax from time to time, to the extent permitted by law, and no part of the revenues or receipts derived by the City from any such increase shall be deemed part of the Tax Receipts unless authorized and pledged by a Supplemental Indenture. Section 202. Authorized Amount. There is hereby authorized the issuance of bonds of the City to be designated "Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003" in the principal amount of Dollars ($) (the "Series 2003 Bonds"). No Bonds may be issued under the provisions of this Indenture except in accordance with this Article II. The total principal amount of Bonds that may be issued hereunder is limited to the extent described in Section 212 hereof, except as provided in Section 209 and except for refunding bonds issued under the provisions of Section 212. Section 203. Details of Bonds. (a) The Series 2003 Bonds (i) shall be designated "City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003," (ii) shall be in the aggregate principal amount of $ , (iii) shall be dated as of July 1, 2003, (iv) shall bear interest from such date at the rates hereinafter provided until paid, payable semiannually on April 1 and October 1 of each year, commencing October 1, 2003, (v) shall be issued in denominations of $5,000 each, or any integral multiple thereof, (vi) shall be numbered from R03-1 upwards in order of issuance according to the records of the Trustee, and (vii) shall mature, unless sooner redeemed in the manner in this Indenture set forth, on October 1 in each of the years and in the amounts set forth in the following table, which table also sets forth the interest rates for the Series 2003 Bonds: Year (October 1) 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Principal Amount D Interest Rate Section 204. Form of Bonds. (a) The Series 2003 Bonds shall be initially issued as fully registered Bonds, without coupons, in the form of [twelve] typewritten bond certificates (one for each maturity) to be delivered to the Securities Depository. Each such certificate shall be initially registered in the name of the nominee of the Securities Depository, and no Beneficial 10-47392.2 12 Owner will receive a certificate representing his interest in the Series 2003 Bonds, except upon the occurrence of the events described in Section 215 hereof. Beneficial Owners shall be deemed to have waived any right to receive a bond certificate except under the circumstances described in Section 215. The Series 2003 Bonds and the Trustee's certificate of authentication to be endorsed thereon shall be in substantially the form set forth in Exhibit A hereto, with appropriate variations, insertions and omissions as permitted or required by this Indenture. Section 205. Payment. The Bonds shall be payable, with respect to principal, premium, if any, and interest in any coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts. The principal of and premium, if any, on the Bonds shall be payable upon surrender thereof at the principal corporate trust office of the Trustee. Payment of interest on each Bond shall be made by check or draft mailed to the registered owner of such Bond as of the applicable Record Date at his address as it appears on the registration books maintained by the Trustee. For purposes of this Indenture, interest on the Bonds shall be deemed to accrue on the basis of a 360 -day year of twelve 30 -day months. So long as the Securities Depository or its nominee is the sole registered owner of the Bonds, payment of interest thereon shall be made by wire transfer of immediately available funds by the Paying Agent to the Securities Depository or its nominee. Section 206. Execution. The Bonds shall be executed on behalf of the City by the manual or facsimile signatures of its Mayor and City Clerk and shall have impressed or imprinted thereon the seal of the City. A facsimile signature shall have the same force and effect as if manually signed. In case any officer whose manual signature or a facsimile of whose signature shall appear on the Bonds shall cease to be such officer before the delivery of such Bonds, such signature or such facsimile shall nevertheless be valid and sufficient for all purposes, the same as if such official had remained in office until delivery. Section 207. Authentication. Only such Bonds as shall have endorsed thereon a certificate of authentication substantially in the form set forth in Exhibit A attached hereto duly executed by the Trustee shall be entitled to any right or benefit under this Indenture. No Bond shall be valid and obligatory for any purpose unless and until such certificate of authentication shall have been duly executed by the Trustee, and such certificate of the Trustee upon any such Bond shall be conclusive evidence that such Bond has been authenticated and delivered under this Indenture. The Trustee's certificate of authentication on any Bond shall be deemed to have been executed if signed by an authorized officer of the Trustee, but it shall not be necessary that the same officer sign the certificate of authentication on all of the Bonds issued hereunder. Section 208. Delivery of Bonds. The City shall execute and deliver to the Trustee and the Trustee shall authenticate the Bonds of any series and deliver said Bonds to the Securities Depository as may be directed in this Section 208, in Section 212 hereof or iri any Supplemental Indenture. (a) Prior to the delivery or original issuance by the Trustee of any authenticated Bonds of any series, there shall be delivered to the Trustee: 10-47392.2 13 0 (1) An original executed counterpart of this Indenture or, in the case of Additional Bonds, a Supplemental Indenture by and between the City and the Trustee setting forth the details concerning such Additional Bonds; (2) Original executed counterparts of the Continuing Disclosure Agreement and the Tax Regulatory Agreement applicable to such series of Bonds; (3) A Certificate directing the Trustee toauthenticate the Bonds and containing instructions as to the delivery of the Bonds upon payment to the Trustee, for the account of the City, of a sum specified in such Certificate; (4) A copy, duly certified by the City Clerk, of the proceedings of the City authorizing the issuance of the Bonds; (5) A written opinion of Bond Counsel approving the legality of the Bonds; (6) In the case of any series of Additional Bonds, a Certificate signed by the Mayor certifying that (i) the City is not then in default in the performance of any of the covenants, conditions, agreements or provisions contained in this Indenture, and (ii) the City is current as to all required deposits at that time in all the Funds and Accounts described in Article V of this Indenture or hereafter created by Supplemental Indentures, or if the City is in default or is not so current, certifying in the case of (i) or (ii) as to that fact and that, upon the application of the proceeds of the sale of such Additional Bonds as provided in the Supplemental Indenture authorizing the issuance thereof, the City will not be in default or will be current thereafter; (7) In the case of any series of Additional Bonds, a written opinion of Bond Counsel to the effect that the exemption from federal income tax of the interest on the Series 2003 Bonds and any Additional Bonds theretofore issued will not be adversely affected by the issuance of the Additional Bonds then being issued; (8) A resolution of the Commission approving the issuance of the Additional Bonds; and (9) Such further documents and certificates as may be required by the Original Purchaser of such series of Bonds. (b) Simultaneously with the delivery of the Series 2003 Bonds, the Trustee shall apply the proceeds thereof as follows: (1) The amount, if any, received as accrued interest on the Series 2003 Bonds shall be deposited in the Bond Fund; (2) $ , an amount [equal to the Reserve Requirement] [sufficient to purchase the Surety Bond], shall be deposited in the Debt Service Reserve Fund; (3) An amount equal to $ shall be deposited in the Costs of Issuance Fund for payment of Costs of Issuance as directed by a Certificate of the City; 10-47392.2 14 (4) An amount sufficient, together with moneys held by the Bank of Oklahoma, N.A., as trustee for the Series 1998 Bonds, in funds and accounts created by the trust indenture securing the payment of the Series 1998 Bonds, to refund the Series 1998 Bonds shall be deposited in trust with the the Bank of Oklahoma, N.A., as escrow trustee (the "1998 Escrow Trustee"), in accordance with the provisions of an Escrow Deposit Agreement to be dated as of the date of delivery of the Series 2003 Bonds (the "1998 Escrow Agreement"), by and between the City and the 1998 Escrow Trustee. The 1998 Escrow Agreement shall provide for the investment of the funds, to the extent feasible, in Government Securities which will mature and bear interest at such times and in such amounts as will, together with any uninvested moneys held by the 1998 Escrow Trustee, provide sufficient moneys to pay as due at maturity and upon redemption prior to maturity on October 1, 2003, all principal of and premium, if any, and interest on the Series 1998 Bonds. The 1998 Escrow Agreement will provide for giving notice of redemption prior to maturity of the Series 1998 Bonds, for the payment of required trustee and paying agent fees on the Series 1998 Bonds, and for release of all claims of the Series 1998 Bonds on the Trust Estate; and (5) The balance of said proceeds shall be deposited in the Bond Fund and shall serve as a credit against the deposit required to be made to the Bond Fund by the City on or before July 15, 2003 pursuant to Section 503(b) hereof. Section 209. Mutilated, Destroyed or Lost Bonds. In case any Bond issued hereunder shall become mutilated or be destroyed or lost, the City shall, if not then prohibited by law, cause to be executed and the Trustee may authenticate and deliver a new Bond of like series, date, number, maturity and tenor in exchange and substitution for and upon cancellation of such mutilated Bond, or in lieu of and in substitution for such Bond destroyed or lost, upon the Bondholder's paying the reasonable expenses and charges of the City and the Trustee in connection therewith, and, in the case of a Bond destroyed or lost, filing by the Bondholder with the Trustee evidence satisfactory to the Trustee that such Bonds were destroyed or lost, and of the Bondholder's ownership thereof, and furnishing the City and Trustee with indemnity satisfactory to them. The Trustee is hereby authorized to authenticate any such new Bond. In the event any such Bonds shall have matured, instead of issuing a new Bond, the City may pay the same without the surrender thereof. Upon the issuance of a new Bond under this Section 209, the City may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee) connected therewith. Section 210. Registration and Transfer of Bonds. The City hereby constitutes and appoints the Trustee as Bond Registrar of the City, and as Bond Registrar the Trustee shall keep books for the registration and for the transfer of the Bonds as provided in this Indenture at the principal corporate trust office of the Trustee. The person in whose name any Bond shall be registered shall be deemed and regarded as the absolute owner thereof for all purposes and payment of or on account of the principal of and interest on any such Bond shall be made only to or upon the order of the registered owner thereof, or the owner's legal representative, and neither the City, the Trustee nor the Bond Registrar shall be affected by any notice to the contrary, but such registration may be changed as herein provided. All such payments shall be valid and 10-47392.2 15 effectual to satisfy and discharge the liability upon such Bond to the extent of the sum or sums so paid. Bonds may be transferred on the books of registration kept by the Trustee by the registered owner in person or by the owner's duly authorized attorney, upon surrender thereof, together with a written instrument of transfer duly executed by the registered owner or the owner's duly authorized attorney. Upon surrender for transfer of any Bond at the principal corporate office of the Trustee, the City shall execute and the Trustee shall authenticate and deliver in the name of the transferee or transferees a new Bond or Bonds of the same series and in the same aggregate principal amount and of any authorized denomination or denominations. Bonds may be exchanged at the principal corporate trust office of the Trustee for an equal aggregate principal amount of Bonds of any other authorized denomination or denominations of the same series with corresponding maturities. The City shall execute and the Trustee shall authenticate and deliver Bonds which the Bondholder making the exchange is entitled to receive, bearing numbers not contemporaneously then Outstanding. The execution by the City of any Bond of any denomination shall constitute full and due authorization of such denomination and the Trustee shall thereby be authorized to authenticate and deliver such Bond. Such transfers of registration or exchanges of Bonds shall be without charge to the Owners of such Bonds, but any taxes or other governmental charges required to be paid with respect to the same shall be paid by the Owner of the Bond requesting such transfer or exchange as a condition precedent to the exercise of such privilege. The Trustee shall not be required to transfer or exchange any Bond during the period from and including a Record Date to the next succeeding Interest Payment Date of such Bond nor to transfer or exchange any Bond after the mailing of notice calling such Bond for redemption has been made, and prior to such redemption. If the Securities Depository or its nominee is the sole registered owner of the Bonds, transfers of ownership and exchanges shall be effected on the records of the Securities Depository and its Participants pursuant to rules and procedures established by the Securities Depository and its Participants. In such case, the Trustee shall deal with the Securities Depository as representative of the Beneficial Owners of the Bonds for purposes of exercising the rights of Bondholders hereunder, and the rights of the Beneficial Owners of such Bonds held by the Securities Depository or its nominee shall be limited to those established by law and agreements between such Beneficial Owners and the Securities Depository and its Participants. Requests, consents and directions from, and votes of, the Securities Depository or its nominee as representative shall not be deemed inconsistent if they are made with respect to different Participants or Beneficial Owners. Section 211. Cancellation. All Bonds surrendered for payment, redemption, transfer or exchange, if surrendered to the Trustee, shall be promptly cancelled by it, and, if surrendered to any person other than the Trustee, shall be delivered to the Trustee and, if not already cancelled, shall be promptly cancelled by it. The City may at any time deliver to the Trustee for cancellation any Bonds previously authenticated and delivered hereunder, which the City may 10-47392.2 16 S 9 have acquired in any manner whatsoever, and all Bonds so delivered shall be promptly cancelled by the Trustee. All cancelled Bonds held by the Trustee shall be.disposed of as directed by the City. Whenever in this Indenture provision is made for the cancellation by the Trustee and the delivery to the City of any Bonds, the Trustee may, upon the written request of the City, in lieu of such cancellation and delivery, destroy such Bonds in the presence of any officer of the City (but only if the City shall so require), and deliver a certificate of such destruction to the City. Section 212. Additional Bonds. The City may issue from time to time one or more series of Additional Bonds for the purpose of (i) financing Project Costs in connection with the acquisition, construction and/or equipping of a Project, (ii) refunding the Series 2003 Bonds or any series of Additional Bonds, in whole or in part, or (iii) any combination thereof. Additional Bonds shall be secured equally and ratably with the Series 2003 Bonds and any other series of Additional Bonds theretofore issued and then Outstanding, except insofar as any terms or conditions of redemption or purchase established under this Indenture may afford additional benefit or security for the Bonds of any particular series and except for the security afforded by any municipal bond insurance obtained with respect to a particular series of Bonds. Before any Additional Bonds are authenticated, there shall be delivered to the Trustee the items required for the issuance of Bonds by Section 208 hereof, plus a Certificate of the Finance & Internal Services Director of the. City (in the form attached as Exhibit B hereto) certifying that, based upon necessary investigation, the Tax Receipts deposited into the Revenue Fund during the most recent twelve (12) months were not less than (i) 125% of the maximum Annual Debt Service requirement on all then Outstanding Bonds and Series 1995 Bonds, plus the Additional Bonds then proposed to be issued, and (ii) the amount, if any, needed to make required deposits to the Debt Service Reserve Fund. Notwithstanding anything herein to the contrary, no Additional Bonds shall be issued unless there is no default at the time of issuance under this Indenture. Section 213. Superior Obligations Prohibited. Except to the extent permitted in Section 212 hereof for the issuance of Additional Bonds, from and after the issuance of any of the Bonds and for so long as any of the Bonds are Outstanding, the City shall not create or permit the creation of any indebtedness, or issue any bonds, notes, warrants, certificates or other obligations or evidences of indebtedness payable in any manner from the Tax Receipts or otherwise from the Trust Estate which (i) will in any way be superior to or rank on a parity with the Bonds, or (ii) will in any way be secured by a lien and charge on the Tax Receipts or on the moneys deposited in or to be deposited in the Revenue Fund, prior to or equal with the lien, pledge and charge created herein for the security of the Bonds, or (iii) will be payable prior to or equal with the payments to be made from the Tax Receipts or the Revenue Fund into the Bond Fund or Debt Service Reserve Fund, or from said Bond Fund or Debt Service Reserve Fund for the payment of the Bonds. To that end, the City hereby specifically covenants not to issue any additional bonds under the provisions of the trust indenture securing the Series 1995 Bonds. Nothing in Section 213 shall be construed as prohibiting or restricting the issuance of bonds payable from Tax Receipts so long as use of the Tax Receipts in favor of bonds issued pursuant to this Section 213 shall be made expressly subject and subordinate to the pledge and use of Tax Receipts to pay principal of and premium, if any, and interest on the Bonds and to make all required deposits into all funds held by the Trustee pursuant to the Indenture. 10.47392.2 17 Section 214. Temporary Bonds. Until Bonds in definitive form are ready for delivery, the City may execute, and upon the request of the City, the Trustee shall authenticate and deliver, subject to the provisions, limitations and conditions set forth herein, one or more Bonds in temporary form, whether printed, typewritten, lithographed or otherwise produced, substantially in the form of the definitive Bonds, with appropriate omissions, variations and insertions, and in authorized denominations. Until exchanged for Bonds in definitive form, such Bond in temporary form shall be entitled to the lien and benefit of this Indenture. Upon the presentation and surrender of any Bond or Bonds in temporary form, the City shall, without unreasonable delay, prepare, execute and deliver to the Trustee and the Trustee shall authenticate and deliver, in exchange therefor, a Bond or Bonds in definitive form. Such exchange shall be made by the Trustee without making any charge therefor to the Owner of such Bond in temporary form. Section 215. Book -Entry Bonds; Securities Depository. The Bonds shall initially be registered to Cede & Co., the nominee for The Depository Trust Company, New York, New York (the "Securities Depository"), and no Beneficial Owner will receive certificates representing their respective interests in the Bonds, except in the event the Trustee issues replacement bonds as provided in this Section 215. It is anticipated that during the term of the Bonds, the Securities Depository will make book -entry transfers among its Participants and receive and transmit payment of principal of, premium, if any, and interest on, the Bonds to the Participants until and unless the Trustee authenticates and delivers replacement bonds to the Beneficial Owners as described in the following paragraph. If the City or the Trustee determines (A) that the Securities Depository is unable to properly discharge its responsibilities, or (B) that the Securities Depository is no longer qualified to act as a securities depository and registered clearing agency under the Securities and Exchange Act of 1934, as amended, or (C) that the continuation of a Book -Entry System to the exclusion of any Bonds being issued to any Bondholder other than Cede & Co. is no longer in the best interests of the Beneficial Owners of the Bonds, or (2) if the Trustee receives written notice from Participants representing interests in not less than 50% of the Bonds Outstanding, as shown on the records of the Securities Depository (and certified to such effect by the Securities Depository), that the continuation of a Book -Entry System to the exclusion of any Bonds being issued to any Bondholder other than Cede & Co. is no longer in the best interests of the Beneficial Owners of the Bonds, then the Trustee shall notify the Bondholders of such determination or such notice and of the availability of certificates to Bondholders requesting the same, and the Trustee shall register in the name of and authenticate and deliver replacement bonds to the Beneficial Owners or their nominees in principal amounts representing the interest of each; provided, that in the case of a determination under (A) or (B) of this paragraph, the City or the Trustee may select a successor securities depository in accordance with the following paragraph to effect book -entry transfers. In such event, all references to the Securities Depository herein shall relate to the period of time when the Securities Depository has possession of at least one Bond. Upon the issuance of replacement bonds, all references herein to obligations imposed upon or to be performed by the Securities Depository shall be deemed to be imposed upon and performed by the Trustee, to the extent applicable with respect to such replacement bonds. If the Securities Depository resigns and the City, the Trustee or Bondholders 10-47392.2 18 are unable to locate a qualified successor of the .Securities Depository in accordance with the following paragraph, then the Trustee shall authenticate and cause delivery of replacement bonds to Bondholders, as provided herein. The Trustee may rely conclusively on information from the Securities Depository and its Participants as to the names and addresses of the Beneficial Owners of the Bonds. The cost of printing, registration, authentication, and delivery of replacement bonds shall be paid for by the City. In the event the Securities Depository resigns, is unable to properly discharge its responsibilities, or is no longer qualified to act as a securities depository and registered clearing agency under the Securities and Exchange Act of 1934, as amended, the City may appoint a successor Securities Depository provided the Trustee receives written evidence satisfactory to the Trustee with respect to the ability of the successor Securities Depository to discharge its responsibilities. Any such successor Securities Depository shall be a securities depository which is a registered clearing agency under the Securities and Exchange Act of 1934, as amended, or other applicable statute or regulation that operates a securities depository upon reasonable and customary terms. The Trustee upon its receipt of a Bond or Bonds for cancellation shall cause the delivery of Bonds to the successor Securities Depository in appropriate denominations and form as provided herein. ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY Section 301. Redemption of Bonds. The Bonds shall be subject to redemption prior to maturity as follows: (a) The Series 2003 Bonds are subject to redemption at the election of the City, on and after October 1, 2008, in whole or in part (in inverse order of maturities and by lot within a maturity) at any time, at a redemption price equal to the principal amount being redeemed plus accrued interest to the date of redemption. (b) The applicable series of Bonds shall be redeemed prior to maturity, in whole or in part, on any Interest Payment Date, in inverse order of maturity and by lot in such manner as the Trustee shall determine within a maturity, at a redemption price equal to 100% of the principal amount being redeemed, plus accrued interest to the date of redemption, from Project Fund moneys in excess of the amount needed to complete the applicable Project or portion thereof being financed with the proceeds of such series of Bonds, which moneys shall be transferred to the Redemption Fund pursuant to Section 502 hereof. (c) Additional Bonds may also be made subject to optional, extraordinary and mandatory sinking fund redemption, in whole or in part, in such manner, at such times and at such prices as may be provided in the Supplemental Indenture providing for their issuance. Section 302.. Notice. Notice of the call for any redemption, identifying the Bonds or portions thereof being called and the date on which they shall be presented for payment, shall be mailed by the Trustee by first class mail (or, so long as the Securities Depository or its nominee is the sole registered owner of the Bonds, by any other means acceptable to the Securities 10-47392.2 19 Depository, including facsimile) to the registered owner of each such Bond addressed to such registered owner at his registered address and placed in the mails not less than thirty (30) nor more than sixty (60) days prior to the date fixed for redemption; provided, however, that failure to give such notice by mailing, or any defect therein, shall not affect the validity of any proceeding for the redemption of any Bond with respect to which no such failure or defect has occurred. Any notice mailed as provided in this Section 302 shall be conclusively presumed to have been duly given, whether or not the registered owner receives the notice. Section 303. Selection of Bonds to be Redeemed. If less than all of the Bonds of like series, maturity, interest rate and otherwise identical payment terms shall be called for redemption, the particular Bonds or portions of Bonds to be redeemed shall be selected by lot by the Trustee in such manner as the Trustee in its discretion may deem fair and appropriate; provided, however, that the portion of any Bond of a denomination of larger than the minimum denomination may be redeemed in the principal amount of such minimum denomination or a multiple thereof, and that for purposes of selection and redemption, any such Bond of a denomination larger than the minimum denomination shall be considered to be that number of separate Bonds of such minimum denomination which is obtained by dividing the principal amount of such Bond by such minimum denomination. So long as the Securities Depository or its nominee is the sole registered owner of a series of Bonds, the procedures established by the Securities Depository shall control with respect to the selection of the particular Bonds of such series to be redeemed. Section 304. Surrender of Bonds Upon Redemption. Notice having been given in the manner and under the conditions hereinabove provided, and moneys for payment of the redemption price being held by the Trustee as provided in this Indenture (i) the Bonds or portions of Bonds so called for redemption shall, on the date fixed for redemption designated in such notice, become due and payable at the redemption price provided for redemption of such Bonds, and interest on such Bonds or portions of Bonds so called for redemption shall cease to accrue, (ii) upon surrender of the Bonds or portions of Bonds so called for redemption in accordance with such notice, such Bonds or portions of Bonds shall be paid at the applicable redemption price, (iii) such Bonds or portions of Bonds shall cease to be entitled to any lien, benefit or security under this Indenture, and (iv) the owners of said Bonds or portions of Bonds shall have no rights in respect thereof except to receive payment of the redemption price thereof. Section 305. Redemption in Part. Any Bond which is to be redeemed only in part shall be surrendered to the Trustee (with, if the City or the Trustee so requires, due endorsement by, or a written instrument of transfer in form satisfactory to the City and the Trustee duly executed by, the owner thereof or his attorney duly authorized in writing), and the appropriate officials of the City shall execute and the Trustee shall authenticate and deliver to the owner of such Bond, without service charge, a new Bond or Bonds of the same series, of any authorized denomination or denominations, having the same maturity and interest rate as requested by such owner, in aggregate principal amount equal to and in exchange for the unredeemed portion of the principal of the Bond so surrendered. ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS 10-47392.2 20 Section 401. Payment of Principal, Premium and Interest. The City covenants that it will promptly pay or cause to be paid the principal of and premium, if any, and interest on every Bond issued under this Indenture at the place, on the dates and in the manner provided herein and in the Bonds according to the true intent and meaning thereof. The principal, premium, if any, and interest (except interest paid from the proceeds from the sale of the Bonds and accrued interest) are payable solely from the Trust Estate which is hereby specifically pledged to the payment thereof in the manner and to the extent herein specified, and nothing in the Bonds or this Indenture should be considered as assigning or pledging any funds or assets of the City other than the Trust Estate. Anything in this Indenture to the contrary notwithstanding, it is understood that whenever the City makes any covenants involving financial commitments it pledges no funds or assets other than the Trust Estate in the manner and to the extent herein specified, but nothing herein shall be construed as prohibiting the City from using any other funds or assets. The City covenants that the Tax will not be repealed, and the rate of the Tax will not be reduced, for so long as there are any Outstanding Bonds. It is further covenanted that all necessary action will be taken, from time to time, to collect the Tax in the full amount due and to apply Tax Receipts in the manner provided in this Indenture. Section 402. Performance of Covenants. The City covenants that it will faithfully perform at all times any and all covenants, undertakings, stipulations and provisions contained in this Indenture, in any and every Bond executed, authenticated and delivered hereunder, and in all ordinances pertaining hereto. The City covenants that it is duly authorized under the Constitution and laws of the State of Arkansas, including particularly and without limitation, the Act, to issue the Bonds authorized hereby and to execute this Indenture and to make the pledge of the Tax Receipts and to make the covenants in the manner and to the extent herein set forth, that all action on its part for the issuance of the Bonds and the execution and delivery of this Indenture has been duly and effectively taken, and that the Bonds in the hands of the Holders and owners thereof are and will be valid and enforceable obligations of the City according to the import thereof. Section 403. Instruments of Further Assurance. At the request of the Trustee, the City shall, so far as it may be authorized by law, pass, make, do, execute, acknowledge and deliver, all and every such further resolutions, ordinances, acts, deeds, conveyances, assignments, transfers and assurances as may be necessary or desirable for the better assuring, conveying, granting, pledging, assigning and confirming of all and singular the Tax Receipts and all other moneys hereby pledged or assigned, or intended so to be, or which the City may become bound to pledge or assign. Section 404. Recordation and Filing. To the extent necessary, the City covenants that it will cause this Indenture, such security agreements, financing statements, and all supplements thereto and other instruments as may be required from time to time to be kept, to be recorded and filed in such manner and in such places as may be required by law in order to fully preserve and protect the security of the owners of the Bonds and the rights of Trustee hereunder, and to perfect the security interest created by this Indenture. Section 405. Inspection of Books. The City shall keep proper books of record and account (separate from all other records and accounts) in which complete and correct entries 10-47392.2 21 shall be made of its transactions relating to the Projects and the Funds and Accounts established by this Indenture. Section 406. Tax Covenants. The City covenants that it will not use or permit the use of any Bond proceeds or any other funds of the City, directly or indirectly, in any manner, and will not take or permit to be taken any other action or actions which would adversely effect the exclusion of interest on any Bond from gross income for federal income tax purposes. Without limiting the generality of the foregoing, the City further covenants that no part of the proceeds of the Bonds shall at any time be used, directly or indirectly, to acquire securities or obligations the acquisition of which would cause any of the Bonds to be an "arbitrage bond" as defined in Sections 148(a) and (b) of the Code. The City agrees that so long as any of the Bonds remain Outstanding, it will comply with the provisions of each applicable Tax Regulatory Agreement. Section 407. Trustee's and Paying Agent's Fees and Expenses. Subject to the provisions of Section 902 hereof, the City hereby agrees and covenants to make payments for the fees, expenses and charges of the Trustee and Paying Agent, if any, as authorized and provided by this Indenture. The City is to make payments on statements rendered by the Trustee and Paying Agent either (i) directly to the Trustee and Paying Agent or (ii) pursuant to Section 503(b) hereof. Section 408. Construction of Projects; Certification of Completion Date. The City hereby covenants to use its best efforts to acquire, construct and equip each Project being financed with proceeds of the Bonds with all reasonable dispatch and to use its best efforts to cause the acquisition, construction and equipping of such Project to be completed as soon as may be practicable, but in any case within a period not to exceed three years after the issuance of the applicable series of Bonds, delays caused by force majeure only excepted, but if for any reason such acquisition, construction and equipping is not completed within said period, there shall be no diminution or postponement of payments required hereunder to be made by the City. Promptly after each such Completion Date, the City shall submit to the Trustee the certificate of a Qualified Engineer which shall specify the Completion Date and shall state that acquisition, construction and equipping of the Project being financed with a particular series of Bond proceeds has been completed and the Project Costs have been paid, except for any Project Costs which have been incurred but are not then due and payable, or the liability for the payment of which is being contested or disputed by the City, and for the payment of which the Trustee is directed to retain specified amounts of moneys in the Project Fund. Notwithstanding the foregoing, such certificate may state that it is given without prejudice to any rights against third parties which exist at the date thereof or which may subsequently come into being. Section 409. Encumbrances. The City covenants that it will not create or suffer to be created any lien or charge upon the Trust Estate, except in accordance with the provisions of this Indenture. Section 410. Continuing Disclosure. The City hereby covenants and agrees that it will comply with and carry out all of the provisions of each Continuing Disclosure Agreement. Notwithstanding any other provision of this Indenture to the contrary, failure of the City or the Trustee to comply with the provisions of a Continuing Disclosure Agreement shall not be 10-47392.2 22 considered an Event of Default hereunder; however, the Trustee may (and at the request of the Original Purchaser of a series of Bonds or the owners of at least 25% in aggregate Outstanding principal amount of such series of Bonds, shall) or any Beneficial Owner may take such actions as may be necessary and appropriate, including seeking mandate or specific performance by court order, to cause the City or the Trustee, as the case may be, to comply with its obligations under this Section 410. Section 411. Authority of Commission. The City hereby recognizes that the Commission is the agency and instrumentality of the City designated by the Act and ordinances of the City to expend the Tax Receipts. Such authority and responsibility of the Commission is hereby confirmed and continued. ARTICLE V REVENUES AND FUNDS Section 501. Creation of Funds and Accounts. (a) There is hereby confirmed and continued the Revenue Fund established in the trust indenture securing the Series 1995 Bonds. The Revenue Fund shall be maintained by the City as a segregated fund. There are hereby created and established with the Trustee the following Funds and Accounts: (i) Project Fund; (ii) Bond Fund, and an Interest Account and a Principal Account therein; (iii) Debt Service Reserve Fund; (iv) Cost of Issuance Fund; (v) Redemption Fund; and (vi) Rebate Fund. (b) Except for the Revenue Fund, . all Funds and Accounts shall be held by the Trustee, which shall hold and maintain said Funds and Accounts in trust, for the use and benefit of the Bondholders and the City, but subject to the permitted applications expressed herein. Section 502. Project Fund. (a) The Trustee shall maintain the Project Fund to the credit of which there shall be deposited the proceeds of Additional Bonds as directed in a Supplemental Indenture. (b) Moneys credited to the Project Fund shall be expended only as set forth in this Section 502. (c) Amounts in the Project Fund shall be expended and applied for the payment of Project Costs. Disbursements shall be made from the. Project Fund on the basis of consecutively numbered Requisitions in the form attached hereto as Exhibit C signed by an Authorized Representative. Requisitions may be submitted to the Trustee by certified mail, first class mail 10-47392.2 23 or facsimile transmission. If the Trustee deems that a Requisition submitted by the City is sufficient pursuant to this Section 502, the amount requested thereunder shall be disbursed in payment of the Project Costs set forth therein, or in reimbursement of such Project Costs, within two (2) business days of the date of receipt of such Requisition by the Trustee. Each Requisition shall specify: (i) the name of the person or party to whom payment is to be made and the purpose of the payment; (ii) •the amount to be paid thereunder; (iii) that such amount has not been previously paid by the City and is justly due and owing to the person(s) named therein as a proper payment or reimbursement of a Project Cost; and (iv) that no Event of Default exists under the Indenture and that, to the knowledge of the Authorized Representative, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. (d) The Trustee shall keep full and complete records concerning and reflecting all disbursements from the Project Fund and shall file an accounting of said disbursements if and when requested by the City. The Trustee shall only make payments from the Project Fund pursuant to and in accordance with Requisitions. In making payments from the Project Fund, the Trustee may rely on any Requisitions delivered to it pursuant to this Section 502, and the Trustee shall be relieved of all liability relating to payments made in accordance with such Requisitions and any supporting certificate or certificates requested by the Trustee without physical inspection of the Project. Within ninety (90) days following completion of the Project or portion thereof being financed with a particular series of Bonds, the City shall deliver to the Trustee its Certificate stating that the Project or applicable portion thereof is complete and the Trustee shall transfer the remaining moneys in the Project Fund relating to such series of Bonds (save and except moneys needed to satisfy unpaid Project Costs) to the Redemption Fund for application to the retirement of Bonds by redemption or purchase, as provided by Section 301(b) and Section 506 hereof. (e) Upon the occurrence and continuance of an Event of Default or the occurrence and continuance of an event which with notice or lapse of time or both would constitute an Event of Default, amounts on deposit in the Project Fund shall not be disbursed but shall instead be applied to the payment of Debt Service or the redemption price of the Bonds. Section 503. Revenue Fund. (a) There shall be deposited to the credit of the Revenue Fund, as and when received, all Tax Receipts. For the purposes of financial reporting by the City with respect to the Tax, "receipts" and "revenues" shall have the same meaning. (b) On or before the fifteenth day of each month, commencing July 15, 2003, and immediately following any required transfer of Tax Receipts to the bond fund and reserve fund 10-47392.2 24 established with respect to the Series 1995 Bonds, the City shall transfer to the Trustee from the Revenue Fund, in the following order, the amounts set forth below: FIRST: For deposit to the Interest Account of the Bond Fund, an amount equal to one -sixth (1/6) of the interest on the Outstanding Bonds due on the next Interest Payment Date (except that with respect to deposits required with respect to a series of Bonds prior to the first Interest Payment Date for such series of Bonds, the required monthly transfers shall be equal to a fraction, the numerator of which shall be 1 and the denominator of which shall be the number of transfers to be made prior to such Interest Payment Date); SECOND: For deposit to the Principal Account of the Bond Fund, an amount equal to one -twelfth (1/12) of the next scheduled principal maturity of Outstanding Bonds (including mandatory sinking fund redemptions) (except that with respect to deposits required with respect to a series of Bonds prior to the first Principal Payment Date for such series of Bonds, the required monthly transfers shall be equal to a fraction, the numerator of which shall be I and the denominator of which shall be the number of transfers to be made prior to such Principal Payment Date); THIRD: For deposit to the Debt Service Reserve Fund, an amount sufficient to cure any deficiency in the Debt Service Reserve Fund; FOURTH: For deposit to the Rebate Fund, an amount sufficient to satisfy the City's obligations under Section 507 hereof; and FIFTH: For payment to the Trustee and Paying Agent, the amount, if any, necessary to pay or reimburse the Trustee and Paying Agent for fees and expenses related to the Bonds. (c) Required deposits into the Interest Account and Principal Account of the Bond Fund and the Debt Service Reserve Fund shall be reduced by investment earnings, if any, in said Funds and Accounts and, with respect to required deposits to the Interest Account of the Bond Fund only, by any accrued interest deposited to the Interest Account of the Bond Fund upon the initial sale of a series of Bonds. In the event there shall be insufficient moneys in the Revenue Fund in a particular month to make the required transfers described above, then any deficiencies shall be added to the required deposits during the next month. (d) Any moneys remaining in the Revenue Fund following the required transfers set forth above may be used for any lawful purpose as determined by the Commission. • Section 504. Bond Fund. (a) There shall be deposited to the credit of the appropriate Account of the Bond Fund all moneys required to be transferred thereto pursuant to Sections 208, 503, 505, 506 and 508 of this Indenture and all other moneys received for said Fund. 10-47392.2 25 0 • (b) Moneys credited to the Bond Fund shall be expended only as set forth in this Section 504. (c) (i) On each Interest Payment Date for any of the Bonds Outstanding, the Trustee shall pay out of moneys credited to the Interest Account of the Bond Fund the amounts required for the payment of interest on the Bonds due on such date, and on each redemption date, the amounts required for the payment of accrued interest on Bonds then to be redeemed or purchased unless the payment of such accrued interest shall be otherwise provided for, and such amounts shall be applied to such payments. (ii) On each principal payment or redemption date for any of the Bonds Outstanding, the Trustee shall pay out of moneys credited to the Principal Account of the Bond Fund the amounts required for the payment of principal and premium, if any, due on the Bonds on such date and such amounts shall be applied to such payments. (iii) If there shall be insufficient moneys in the Bond Fund to pay in full interest, principal or premium, if any, due on the Bonds on any interest or principal payment or redemption date, the Trustee shall, three days prior to such date, notify the City of such deficiency, and if by one day prior to such date such deficiency has not been cured, transfer an amount equal to the deficiency into the appropriate Account of the Bond Fund from the Funds indicated in the following order: FIRST: the Redemption Fund; and SECOND: the Debt Service Reserve Fund (for payment of principal and interest on any Interest or Principal Payment Date only). (d) All payments made pursuant to this Section 504 shall be made in immediately available funds. Section 505. Cost of Issuance Fund. There shall be deposited to the credit of the Cost of Issuance Fund all moneys received for said Fund pursuant to Section 208 hereof. The Trustee shall pay those Costs of Issuance as directed by the City pursuant to a Certificate delivered on a Closing Date. After all Costs of Issuance have been paid (and, in any event not later than September 1, 2003 with respect to the Series 2003 Bonds), any remaining moneys in the Cost of Issuance Fund shall be transferred to the Interest Account of the Bond Fund. The Cost of Issuance Fund is not pledged to the payment of the Bonds. Section 506. Redemption Fund. (a) There shall be deposited to the credit of the Redemption Fund all moneys required to be transferred thereto to effect an optional redemption of the Bonds pursuant to Section 301(a) hereof and all moneys transferred thereto pursuant to Section 502 of this Indenture. (b) Moneys credited to the Redemption Fund shall be expended only as set forth in this Section 506. 10-07392.2 26 (c) Moneys in the Redemption Fund shall be transferred to the Principal Account of the Bond Fund at such times as may be necessary to effectuate, on the first available date, redemptions of Bonds required by Section 301(a) and (b) of this Indenture. (d) The amounts accumulated in the Redemption Fund, if so directed by the City by means of a Certificate delivered to the Trustee, shall be applied by the Trustee to the purchase of Bonds of the maturities which would otherwise be redeemed pursuant to Section 301(a) and (b) and this Section 506 but for the provisions of this subsection (d), at prices directed by the City not exceeding the applicable redemption prices of the Bonds which would be redeemed but for the operation of this sentence. Interest accrued on the Bonds so purchased shall be paid from moneys credited to the Interest Account of the Bond Fund. Section 507. Rebate Fund. (a) The Trustee shall establish and maintain, separate and apart from any other Funds and Accounts established and maintained hereunder, a Fund to be designated as the Rebate Fund, which Fund is not pledged to the payment of any Bonds. Subject to the transfer provisions provided in subsection (c) below, all moneys at any time deposited in the Rebate Fund shall be held by the Trustee in trust, to the extent required to satisfy the Rebate Amount (as defined in each Tax Regulatory Agreement), for payment to the United States of America, and neither the City nor the Owner of any Bond shall have any rights in or claim to such money. All amounts deposited into or on deposit in the Rebate Fund shall be governed by this Section 507, by Section 406, and by each Tax Regulatory Agreement (which are incorporated herein by reference). (b) As provided in Section 503(b) hereof, there shall be deposited in the Rebate Fund the amount of all income or gain on moneys deposited in any of the Funds and Accounts established by this Indenture which is required to be rebated to the United States and is designated for deposit therein, as calculated by the City to be owing to the United States pursuant to the Tax Regulatory Agreement, which shall be delivered by the City concurrently with the issuance of a series of Bonds. (c) The Trustee, upon receipt of written instructions from the Mayor or Finance & Internal Services Director of the City, shall pay to the United States out of amounts in the Rebate Fund such amounts as are required pursuant to each Tax Regulatory Agreement. (d) Any moneys remaining in the Rebate Fund after payment to the United States, within sixty (60) days after the date on which the last Bond is redeemed, of one hundred percent (100%) of the rebate amount as described in Section 148(0(2) of the Code, shall be transferred to the Revenue Fund. (e) The Trustee, as instructed by Certificate of the City, shall invest all amounts held in the Rebate Fund in Investment Obligations, subject to the restrictions set forth in the applicable Tax Regulatory Agreement. Money shall not be transferred from the Rebate Fund except as provided in subsection (c). (0 Notwithstanding any other provision of this Indenture, the obligation to remit the Rebate Amount to the United States and to comply with all other requirements of this 10-47392.2 27 Section 507, Section 406 and each Tax Regulatory Agreement shall survive the defeasance or payment in full of the Bonds. Section 508. Debt Service Reserve Fund. As provided in Section 208(b)(2) hereof, upon the issuance of each series of Bonds, there shall be deposited into the Debt Service Reserve Fund, from proceeds of the Bonds, an amount sufficient to cause the amounts on deposit therein to be equal to the Reserve Requirement. The Debt Service Reserve Fund shall be maintained in an amount equal to the Reserve Requirement. The Debt Service Reserve Fund shall be used solely to pay the principal of and interest on Outstanding Bonds for which there are insufficient funds available in the Bond Fund to make such payments, as the same become due at maturity (including mandatory sinking fund redemption). If the Debt Service Reserve Fund, by virtue of any such payment, is reduced below the Reserve Requirement, it shall be reimbursed in the amount of any such deficiency as provided in Section 503. Notwithstanding the above provisions of this Section 508, the amount on deposit in the Debt Service Reserve Fund may be used, together with other available funds, to provide for the payment at maturity or to redeem prior to maturity all, but not less than all, of the Outstanding Bonds. If an excess shall exist in the Debt Service Reserve Fund over and above the Reserve Requirement, such excess shall be transferred to the Interest Account of the Bond Fund. Section 509. Cessation of Fund Deposits. When the moneys in the Bond Fund, the Debt Service Reserve Fund and the Redemption Fund shall be and remain sufficient to pay in full the principal and interest on all Bonds then Outstanding in accordance with Article VII of this Indenture, together with the required fees and expenses to be paid or reimbursed to the Trustee and Paying Agent, the City shall have no further obligation to make payments into said Funds. Section 510. Separate Accounts Authorized. A Supplemental Indenture authorizing the issuance of Additional Bonds may provide for the creation of separate Accounts within the Bond Fund, Debt Service Reserve Fund, Redemption Fund, Project Fund, Costs of Issuance Fund and Rebate Fund for such series of Bonds and such other Accounts as the City may direct; provided, that the creation of such separate Accounts shall be solely for the ease of administration and shall in no event affect the equal and ratable security of the Bonds of each series. If any Supplemental Indenture authorizing the issuance of Additional Bonds provides for the establishment of separate Accounts for a series of Bonds, then such Supplemental Indenture shall require that the Tax Receipts received by the City shall be deposited pursuant to written direction of the City into each of the Accounts within the Bond Fund and Debt Service Reserve Fund for each series of Bonds on the basis of the installments of principal, premium, if any, and interest due on each series of Bonds and the amounts required to be deposited in the Accounts within the Bond Fund and the Debt Service Reserve Fund during the applicable period, to the end that the Bonds of each series shall be equally and ratably secured by the Tax Receipts. Any Supplemental Indenture authorizing the issuance of Additional Bonds shall provide that any proceeds of such series of Bonds and investment earnings thereon remaining after some 10-47392.2 28 specified date, or after the construction of all facilities to be financed with the proceeds of such series of Bonds, shall be applied to the redemption of such series of Bonds. ARTICLE VI INVESTMENTS Section 601. Investment of Moneys. At the direction of the City or absent such direction, the Trustee shall invest moneys in Funds or Accounts held by the Trustee in Investment Obligations with maturity or redemption dates consistent with the times at which said moneys will be required for the purposes provided in this Indenture; provided, however, the stated maturity dates of Investment Obligations of Debt Service Reserve Fund moneys shall not exceed five years from the date of investment therein. Moneys in separate Funds or Accounts may be commingled for the purpose of investment. Section 602. Investment Earnings. Subject to the provisions of the Tax Regulatory Agreement and Article V hereof, Investment Obligations purchased with moneys held in or attributable to any Fund or Account held by the Trustee under the provisions of this Indenture shall be deemed at all times to be a part of such Fund or Account and the income or interest earned, profits realized or losses suffered by a Fund or Account due to the investment thereof shall be retained in, credited or charged, as the case may be, to such Fund or Account unless otherwise provided pursuant to this Indenture. Section 603. Valuation of Funds. Investments in any Fund or Account shall be evaluated monthly by the Trustee. The Trustee shall report the determined value of each Fund and Account to the City. For the purpose of determining the amount in any Fund or Account, the Trustee shall value all Investment Obligations credited to such Fund or Account at the price at which such Investment Obligations are redeemable by the owner thereof at its option if so redeemable, or, if not so redeemable, at the lesser of (i) the cost of such Investment Obligations minus the amortization of any premium or plus the amortization of any discount thereon and (ii) the market value of such Investment Obligations, provided that Investment Obligations credited to the Debt Service Reserve Fund, if not so redeemable, shall be valued at the cost thereof minus the amortization of any premium or plus the amortization of any discount thereon. The Trustee shall sell or present for redemption any Investment Obligations as necessary in order to provide money for the purpose of making any payment required hereunder, and the Trustee shall not be liable for any loss resulting from any such sale. Section 604. Responsibility of Trustee. The Trustee shall not be responsible or liable for any loss suffered in connection with any investment of moneys made by it at the direction of the City. ARTICLE VII DISCHARGE OF LIEN Section 701. Discharge of Lien. If the City shall pay or cause to be paid to the owners of the Bonds the principal, premium, if any, and interest to become due thereon at the times and 10-47392.2 29 in the manner stipulated therein, and if the City shall keep, perform and observe all and singular the covenants and promises in the Bonds and in this Indenture expressed as to be kept, performed and observed by it on its part, then these presents and the estate and rights hereby granted shall cease, determine and be void, and thereupon the Trustee shall cancel and discharge the lien of this Indenture, and execute and deliver to the City such instruments in writing as shall be requisite to satisfy the lien hereof, and reconvey to the City the estate hereby conveyed, and assign and deliver to the City any property at the time subject to the lien of this Indenture which may then be in its possession, except moneys or Government Securities held by it for the payment of the principal of and premium, if any, and interest on the Bonds. Section 702. Bonds Deemed Paid. Any Bond shall be deemed to be paid within the meaning of this Article VII when payment of the principal of and premium, if any, and interest on such Bond (whether at maturity or upon redemption as provided in this Indenture, or otherwise), either (i) shall have been made or caused to be made in accordance with the terms thereof, or (ii) shall have been provided for by irrevocably depositing with the Trustee, in trust and irrevocably set aside exclusively for such payment, (1) moneys sufficient to make such payment or (2) Government Securities @rovided that such deposit will not affect the tax-exempt status of the interest on any of the Bonds or cause any of the Bonds to be classified as "arbitrage bonds" within the meaning of Section 148(a) of the Code, as reflected in an opinion of Bond Counsel delivered to the Trustee), maturing as to principal and interest in such amount and at such times as will provide sufficient moneys to make such payment, and all necessary and proper fees, compensation and expenses of the Trustee and any Paying Agent pertaining to the Bonds with respect to which such deposit is made shall have been paid or the payment thereof provided for to the satisfaction of the Trustee and any said Paying Agent. Section 703. Non -Presentment of Bonds. In the event any Bonds shall not be presented for payment when the principal thereof becomes due, either at maturity or otherwise, or at the date fixed for redemption thereof, if there shall have been deposited with the Trustee for that purpose, or left in trust if previously so deposited, funds sufficient to pay the principal thereof, and premium, if any, together with all interest unpaid and due thereon, to the due date thereof, for the benefit of the Holder thereof, all liability of the City to the Holder thereof for the payment of the principal thereof, premium if any, and interest thereon, shall forthwith cease, determine and be completely discharged, and thereupon it shall be the duty of the Trustee to hold such fund or funds, without liability for interest thereon, for the benefit of the Holder of such Bonds, who shall thereafter be restricted exclusively to such fund or funds, for any claim of whatever nature on his part under this Indenture or on, or with respect to, the Bonds. ARTICLE VIII DEFAULT PROVISIONS AND REMEDIES OF TRUSTEE AND BONDHOLDERS Section 801. Events of Default. Each of the following events shall constitute and is referred to in this Indenture as an "Event of Default": (a) Default in the due and punctual payment of any interest on any Bond; 10-47392.2 30 0 (b) Default in the due and punctual payment of the principal of or premium, if any, on any Bond, whether at the stated maturity thereof, or upon proceedings for• redemption thereof, or upon the maturity thereof by declaration; (c) Default in the payment of any other amount required to be paid under this Indenture or the performance or observance of any other of the covenants, agreements or conditions contained in this Indenture, or in the Bonds issued hereunder, and continuance thereof for a period of sixty (60) days after written notice specifying such failure and requesting that it be remedied shall have been given to the City by the Trustee, which may give such notice in its discretion and shall give such notice at the written request of Bondholders of not less than 51% in aggregate principal amount of the Bonds then Outstanding, unless the Trustee, or the Trustee and Holders of an aggregate principal amount of Bonds not less than the aggregate principal amount of Bonds the Holders of which requested such notice, as the case may be, shall agree in writing to an extension of such period prior to its expiration; provided, however, if the failure stated in the notice cannot be corrected within the applicable period, the Trustee will not unreasonably withhold its consent to an extension of such time if corrective action is instituted by the City within such period and is being diligently pursued; (d) The filing of a petition in bankruptcy by or against the City under the United States Bankruptcy Code or the commencement of a proceeding by or against the City under any other law concerning insolvency, reorganization or bankruptcy; and (e) If the State has limited or altered the rights of the City pursuant to the Act, as in force on the date of this Indenture, to fulfill the terms of any agreements made with the Trustee or the Bondholders or in any way impaired the rights and remedies of the Trustee or the Bondholders while any Bonds are Outstanding. The term "default" as used in clauses (a), (b) and (c) above shall mean default by the City in the performance or observance of any of the covenants, agreements or conditions on its part contained in this Indenture or in the Bonds Outstanding hereunder, exclusive of any period of grace required to constitute a default an "Event of Default" as hereinabove provided. Section 802. Acceleration. Upon the occurrence of an Event of Default, the Trustee may, and upon the written request of the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder shall, by notice in writing delivered to the City, declare the principal of all Bonds then Outstanding, together with the interest accrued thereon, immediately due and payable, and such principal and interest shall thereupon become and be immediately due and payable. Section 803. Other Remedies; Rights of Bondholders. Upon the occurrence of an Event of Default, the Trustee may, as an alternative, pursue any available remedy by suit at law or in equity, including, without limitation, mandamus to enforce the payment of the principal of and premium, if any, and interest on the Bonds then Outstanding hereunder. 10.47992.2 31 If an Event of Default shall have occurred, and if it shall have been requested so to do by the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder and if it shall have been indemnified as provided in Section 901(1) hereof, the Trustee shall be obligated to exercise such one or more of the rights and powers conferred upon it by this Section 803 as the Trustee, being advised by counsel, shall deem most expedient in the interests of the Bondholders. No remedy by the terms of this Indenture conferred upon or reserved to the Trustee (or to the Bondholders) is intended to be exclusive of any other remedy, but each and every such remedy shall be cumulative and shall be in addition to any other remedy given hereunder or now or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default or Event of Default shall impair any such right or power or shall be construed to be a waiver of any such default or Event of Default or acquiescence therein; and every such right and power may be exercised from time to time and as often as may be deemed expedient. No waiver of any default or Event of Default hereunder, whether by the Trustee or by the Bondholders, shall extend to or shall affect any subsequent default or Event of Default or shall impair any rights or remedies consequent thereon. Section 804. Right of Bondholders to Direct Proceedings. Anything in this Indenture to the contrary notwithstanding, the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder shall have the right, at any time, by an instrument or instruments in writing executed and delivered to the Trustee, to direct the method and place of conducting all proceedings to be taken in connection with the enforcement of the terms and conditions of this Indenture, or for the appointment of a receiver or any other proceeding hereunder; provided that such direction shall not be otherwise than in accordance with the provisions of law and of this Indenture. Section 805. Appointment of Receiver. Upon the occurrence of an Event of Default, and upon the filing of a suit or other commencement of judicial proceedings to enforce the rights of the Trustee and of the Bondholders under this Indenture, the Trustee shall be entitled to the appointment of a receiver or receivers of the Trust Estate and of the tolls, rents, revenues, issues, earnings, income, products and profits thereof, including, without limitation, the Tax Receipts (subject to the prior right of the trustee for the Series 1995 Bonds), pending such proceedings with such powers as the court making such appointment shall confer. Section 806. Waiver. In case of an Event of Default on its part, as aforesaid, to the extent that such rights may then lawfully be waived, neither the City nor anyone claiming through the City or under the City shall or will set up, claim or seek to take advantage of any appraisement, valuation, stay, extension or redemption laws now or thereafter in force, in order to prevent or hinder the enforcement of this Indenture, but the City, for itself and all who may claim through or under it, hereby waives, to the extent that it lawfully may do so, the benefit of all such laws and all right of appraisement and redemption to which it may be entitled under the laws of the State. 10-47392.2 32 Section 807. Application of Moneys. Available moneys remaining after discharge of costs, charges and liens prior to this Indenture shall be applied by the Trustee as follows: (a) Unless the principal of all the Bonds shall have become or shall have been declared due and payable, all such moneys shall be applied: First: To the payment to the Persons entitled thereto of all installments of interest then due, in the order of the maturity of the installments of such interest, and, if the amount available shall not be sufficient to pay in full any particular installment, then to the payment ratably, according to the amounts due on such installment, to the Persons entitled thereto, without any discrimination or privilege; Second: To the payment to the Persons entitled thereto of the unpaid principal of any of the Bonds which shall have become due (other than Bonds called for redemption for the payment of which moneys are held pursuant to the provisions of this Indenture), in the order of their due dates, with interest on such Bonds from the respective dates upon which they become due, and, if the amount available shall not be sufficient to pay in full Bonds due on any particular date, together with such interest, then to the payment ratably, according to the amount of principal due on such date, to the Persons entitled thereto without any discrimination or privilege of any Bond over any other Bond and without preference or priority of principal over interest or of interest over principal; and Third: To the payment of the interest on and the principal of the Bonds, and to the redemption of Bonds, all in accordance with the provisions of Article V of this Indenture. (b) If the principal of all the Bonds shall have become due or shall have been declared due and payable, all such moneys shall be applied first to the payment of the interest then due and unpaid upon the Bonds, and then to the payment of the principal then due and unpaid upon the Bonds, in each case without preference or priority of any Bond over any other Bond, ratably, according to the amounts due respectively for principal and interest, to the Persons entitled thereto. (c) If the principal of all the Bonds shall have been declared due and payable, and if such declaration shall thereafter have been rescinded and annulled under the provisions of this Article VIII then, subject to the provisions of paragraph (b) of this Section 807, in the event that the principal of all the Bonds shall later become due or be declared due and payable, the moneys shall be applied in accordance with the provisions of paragraph (a) of this Section 807. Whenever moneys are to be applied by the Trustee pursuant to the provisions of this Section 807, such moneys shall be applied by it at such times, and from time to time, as it shall determine, having due regard to the amount of such moneys available for application and the likelihood of additional moneys becoming available for such application in the future. 10-47392.2 33 Whenever the Trustee shall apply such funds, it shall fix the date (which shall be an Interest Payment Date unless it shall deem another date more suitable) upon which such application is to be made and upon such date interest on the amounts of principal to be paid on such dates shall cease to accrue. The Trustee shall give such notice as it may deem appropriate of the deposit with it of any such moneys and of the fixing of any such date and shall not be required to make payment to the Holder of any Bond until such Bond shall be presented to the Trustee for appropriate endorsement or for cancellation if fully paid. Section 808. Remedies Vested in Trustee. All rights of action (including the right to file proof of claim) under this Indenture or under any of the Bonds may be enforced by the Trustee without the possession of any of the Bonds or the production thereof in any trial or other proceeding relating thereto, and any such suit or proceeding instituted by the Trustee shall be brought in its name as Trustee, without the necessity of joining as plaintiffs or defendants any Bondholders hereby secured, and any recovery of judgment shall be for the equal benefit of the Holders of all Outstanding Bonds. Section 809. Rights and Remedies of Bondholders. No Bondholder shall have any right to institute any suit, action or proceeding in equity or at law for the enforcement of this Indenture or for the execution of any trust hereof or for the appointment of a receiver or any other remedy hereunder, unless a default has occurred of which the Trustee has been notified as provided in subsection (g) of Section 901, or of which by said subsection it is deemed to have notice, nor unless such default shall have become an Event of Default and the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder shall have made written request to the Trustee and shall have offered it reasonable opportunity either to proceed to exercise the powers hereinbefore granted or to institute such action, suit or proceeding in its own name, nor unless also they have offered to the Trustee indemnity as provided in subsection (I) of Section 901, nor unless the Trustee shall thereafter fail or refuse to exercise the powers hereinbefore granted, or to institute such action, suit or proceeding in its own name; and such notification, request and offer of indemnity are hereby declared in every such case, at the option of the Trustee, to be conditions precedent to the execution of the powers and trusts of this Indenture, and to any action or cause of action for the enforcement of this Indenture or for the appointment of a receiver or for any other remedy hereunder; it being understood and intended that no one or more Holders of the Bonds shall have any right in any manner whatsoever to affect, disturb or prejudice the lien of this Indenture by action of the Holder or Holders or to enforce any right hereunder except in the manner herein provided, and that all proceedings at law or in equity shall be instituted, held and maintained in the manner herein provided for the equal benefit of the Holders of all Bonds Outstanding hereunder. Nothing in this Indenture contained shall, however, affect or impair the right of any Bondholders to enforce the payment of the principal of and premium, if any, and interest on any Bonds at and after the maturity thereof, or the obligation of the City to pay, the principal of and premium, if any, and interest on each of the Bonds issued hereunder to the respective Holders thereof at the time and place in said Bonds expressed. Section 810. Termination of Proceedings. In case the Trustee shall have proceeded to enforce any right under this Indenture by the appointment of a receiver or otherwise, and such 10-47392.2 34 proceedings shall have been discontinued or abandoned for any reason, or shall have been determined adversely to the Trustee, then and in every such case the City and the Trustee shall be restored to their former positions and rights hereunder with respect to the property herein conveyed, and all rights, remedies and powers of the Trustee shall continue as if no such proceedings had been taken, except to the extent the Trustee is legally bound by such adverse determination. Section 811. Waivers of Events of Default. The Trustee may, and upon the written request of the Holders of not less than 51% in principal amount of all Bonds Outstanding hereunder shall, waive any Event of Default hereunder and its consequences and rescind any declaration of maturity of principal; provided, however, there shall not be waived any Event of Default described in clause (a) or (b) of the first paragraph of Section 801 hereof, unless prior to such waiver or rescission all arrears of principal (due otherwise than by declaration) and interest, and all expenses of the Trustee and Paying Agent, shall have been paid or provided for. In case of any such waiver or rescission the City, Trustee and the Bondholders shall be restored to their former positions and rights hereunder respectively, but no such waiver or rescission shall extend to any subsequent or other default, or impair any right subsequent thereon. ARTICLE IX TRUSTEE AND PAYING AGENT Section 901.Acceptance of Trusts. The Trustee hereby accepts the trusts imposed upon it by this Indenture and agrees to perform said trusts, but only upon and subject to the following expressed terns and conditions: (a) The Trustee may execute any of the trusts or powers hereof and perform any duties required of it by or through attorneys, agents, receivers or employees, and shall be entitled to advice of counsel concerning all matters of trusts hereof and its duties hereunder, and may in all cases pay reasonable compensation to all such attorneys, agents, receivers and employees as may reasonably be employed in connection with the trusts hereof. Reimbursement of such compensation paid by the Trustee is subject to the provisions of Section 902 hereof. The Trustee may act upon the opinion or advice of any attorney, surveyor, engineer or accountant selected by it in the exercise of reasonable care, or, if selected or retained by the City prior to the occurrence of a default of which the Trustee has been notified as provided in subsection (g) of this Section 901, or of which by said subsection the Trustee is deemed to have notice, approved by the Trustee in the exercise of such care. The Trustee shall not be responsible for any loss or damage resulting from an action or nonaction in accordance with any such opinion or advice. (b) The Trustee shall not be responsible for any recital herein, or in the Bonds (except in respect to the certificate of authentication of the Trustee endorsed on such Bonds), or for the validity of the execution by the City of this Indenture or of any Supplemental Indentures or instruments of further assurance, or for the sufficiency of the security for the Bonds issued hereunder or intended to be secured hereby, or for the value of the title of the property herein conveyed or otherwise as to the maintenance of the security hereof; except that in the event the Trustee enters into possession of a part or all 10-47392.2 35 of the property herein conveyed pursuant to any provision of this Indenture, it shall use due diligence in preserving such property; and the Trustee shall not be bound to ascertain or inquire as to the performance or observance of any covenants, conditions and agreements aforesaid as to the condition of the property herein conveyed. (c) The Trustee may become the owner of Bonds secured hereby with the same rights which it would have if not Trustee. (d). The Trustee shall be protected in acting upon any notice, request, consent, certificate, order, affidavit, letter, telegram or other paper or document believed by it, in the exercise of reasonable care, to be genuine and correct and to have been signed or sent by the proper person or persons. Any action taken by the Trustee pursuant to this Indenture upon the request or authority or consent of the owner of any Bond secured hereby, shall be conclusive and binding upon all future owners of the same Bond and upon Bonds issued in exchange therefor or in place thereof. (e) As to the existence or nonexistence of any fact or as to the sufficiency or validity of any instrument, paper or proceeding, the Trustee shall be entitled to rely upon a Certificate of the City signed by its Authorized Representative and attested by the City Clerk as sufficient evidence of the facts therein contained and, prior to the occurrence of a default of which it has been notified as provided in subsection (g) of this Section 901, or of which by that subsection it is deemed to have notice, shall also be at liberty to accept a similar certificate to the effect that any particular dealing, transaction, or action is necessary or expedient, but may at its discretion, at the reasonable expense of the City, in every case secure such further evidence as it may think necessary or advisable but shall in no case be bound to secure the same. The Trustee may accept a certificate of the City Clerk of the City under its seal to the effect that a resolution or ordinance in the form therein set forth has been adopted by the City as conclusive evidence that such resolution or ordinance has been duly adopted, and is in full force and effect. (f) The permissive right of the Trustee to do things enumerated in this Indenture shall not be construed as a duty of the Trustee, and the Trustee shall be answerable only for its own gross negligence or willful misconduct. (g) The Trustee shall not be required to take notice or be deemed to have notice of any default hereunder (except for defaults under clause (a) or (b) of the first paragraph of Section 801 hereof as to which the Trustee shall be deemed to have notice) unless the Trustee shall be specifically notified in writing of such default by the City or by the Holders of at least 10% in aggregate principal amount of Bonds Outstanding hereunder, and all notices or other instruments required by this Indenture to be delivered to the Trustee must, in order to be effective, be delivered to the principal corporate trust office of the Trustee, and in the absence of such notice so delivered, the Trustee may conclusively assume there is no such default except as aforesaid. (h) [Reserved]. 10-47392.2 36 0 (i) At any and all reasonable times the Trustee, and its duly authorized agents, attorneys, experts, engineers, accountants and representatives, shall have the right fully to inspect any and all of the property herein conveyed, including all books, papers and records of the City pertaining to the Tax Receipts and the Bonds, and to take such memoranda from and in regard thereto as may be desired. (j) The Trustee shall not be required to give any bond or surety in respect of the execution of the said trusts and powers or otherwise in respect of the premises. (k) Notwithstanding anything elsewhere in this Indenture contained, the Trustee shall have the right, but shall not be required, to demand, in respect of the authentication of any Bonds, the withdrawal of any cash, the release of any property, or any action whatsoever within the purview of this Indenture, any showings, certificates, opinions, appraisals or other information, or corporate action or evidence thereof, in addition to that by the terms hereof required as a condition of such action by the Trustee, deemed desirable for the purpose of establishing the right of the City to the authentication of any Bonds, the withdrawal of any cash, the release of any property, or the taking of any other action by the Trustee. (1) Before taking such action hereunder, the Trustee may require that it be furnished an indemnity bond satisfactory to it for the reimbursement to it of all expenses to which it may be put and to protect it against all liability, except liability which is adjudicated to have resulted from the gross negligence or willful misconduct of the Trustee, by reason of any action so taken by the Trustee. Section 902. Fees, Charges and Expenses of Trustee and Paying Agent. (a) Subject to subsection (b) of this Section 902, the City shall, from moneys lawfully available therefor, pay to the Trustee and Paying Agent reasonable compensation for all services performed hereunder and also all reasonable expenses, charges and other disbursements and those of their attorneys, agents and employees incurred in and about the administration and execution of the trusts hereby created and the performance of the powers and duties hereunder and, to the extent permitted by law and from moneys lawfully available therefor, shall indemnify and save the Trustee harmless against any liabilities which it may incur in the exercise and performance of its powers and duties hereunder. With respect to the Series 2003 Bonds, the Trustee's initial authentication fee shall be $2,500 and the annual administration fee of the Trustee shall be up to, but shall not exceed, $4,500. If the City shall fail to make any payment required by this subsection (a), the Trustee may make such payment from any moneys in its possession under the provisions of this Indenture and shall be entitled to a preference therefor over any of the Bonds Outstanding hereunder. The City shall not be required to indemnify the Trustee against any liabilities which the Trustee may incur as a result of negligent or wrongful acts or omissions of the Trustee. (b) The City shall pay to the Trustee compensation for its services as described in Section 902(a), provided that such compensation, together with all expenses, charges and other disbursements of the Trustee and its attorneys, agents and employees and all reimbursements to the Trustee for all costs and other disbursements as described in Section 901(a) hereof shall not exceed $9,500 annually (not including the initial authentication fee) without the prior written 10-47392.2 37 approval of the City, which approval shall not be unreasonably withheld. If the Trustee wishes to consult with or retain counsel for any purpose hereunder whose anticipated fees, together with all other compensation, disbursements and reimbursements of the Trustee and its attorneys, agents and employees to be paid by the City hereunder, shall exceed $10,000 annually, then such counsel shall have to be acceptable to the City and such fees shall have to be approved by the City as described above. Section 903. Additional Duties of Trustee. (a) In addition to the other duties of the Trustee described in this Indenture, it shall be the duty of the Trustee, on or before the tenth day of each month after the month in which the Series 2003 Bonds are delivered, to file with the City a statement setting forth in respect of the preceding calendar month: (i) the amount withdrawn or transferred by it and the amount deposited with it on account of each Fund and Account held by it under the provisions of this Indenture; (ii) the amount on deposit with it at the end of such month to the credit of each such Fund and Account; (iii) a brief description of all obligations held by it as an investment of moneys in each such Fund and Account; (iv) the amount applied to the purchase or redemption of Bonds under the provisions of this Indenture and a description of the Bonds or portions of Bonds so purchased or redeemed; and (v) any other information that the City may reasonably request, including, but not limited to, submittal of monthly statements of activity relating to the Bonds. Such information shall also be provided at the direction of the City to one additional designated entity. All records and files pertaining to each such Fund and Account in the custody of the Trustee hereunder shall be open at all reasonable times to the inspection of the City and its agents and representatives, and the City may make copies thereof. (b) The Trustee additionally shall be responsible for the preparation and timely distribution of any and all forms and reports required by law to all Bondholders, the State and the Internal Revenue Service in connection with the payment to the Bondholders of interest on the Bonds. Section 904. Notice to Bondholders of Default. If a default occurs of which the Trustee is pursuant to the provisions of Section 901(g) deemed to have or is given notice, the Trustee shall promptly make demand upon the City and give notice to each owner of Bonds then Outstanding. Section 905. Intervention by Trustee. In any judicial proceeding to which the City is a party and which in the opinion of the Trustee and its counsel has a substantial bearing on the interests of Holders of Bonds issued hereunder, the Trustee may intervene on behalf of Bondholders and shall do so if requested in writing by the Holders of at least 51%. of the 10-47392.2 38 aggregate principal amount of Bonds Outstanding hereunder. The rights and obligations of the Trustee under this Section 905 are subject to the approval of the court having jurisdiction in the premises. Section 906. Merger or Consolidation of Trustee. Any bank or trust company to which the Trustee may be merged, or with which it may be consolidated, or to which it may sell or transfer its trust business and assets as a whole or substantially as a whole, or any bank or trust company resulting from any such sale, merger, consolidation or transfer to which it is a party, ipso facto, shall be and become successor trustee hereunder and vested with all of the title to the whole property or Trust Estate and all the trusts, powers, discretions, immunities, privileges and all other matters as was its predecessor, without the execution or filing of any instrument or any further act, deed, or conveyance on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that such successor trustee shall have capital and surplus of at least $40 million. Section 907. Resignation by Trustee. The Trustee and any successor trustee may at any time resign from the trusts hereby created by giving written notice to the City and the Bondholders, and such resignation shall take effect upon the appointment of a successor trustee by the Bondholders or by the City. Such notice may be served personally or sent by registered mail (to the City) or first class mail (to the Bondholders). Section 908. Removal of Trustee. The Trustee may be removed at any time by an instrument or concurrent instruments in writing delivered to the Trustee and to the City, and signed by the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder. Section 909. Appointment of Successor Trustee. In case the Trustee hereunder shall resign or be removed, or be dissolved, or shall be in course of dissolution or liquidation, or otherwise become incapable of acting hereunder, or in case it shall be taken under the control of any public officer or officers, or of a receiver appointed by the court, a successor may be appointed by the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder, by an instrument or concurrent instruments in writing signed by such Holders, or by their attorneys in fact, duly authorized; provided, nevertheless, that in case of such vacancy the City by an instrument executed and signed by its Mayor and attested by its City Clerk under its seal, shall appoint a temporary trustee to fill such vacancy until a successor trustee shall be appointed by the Bondholders in the manner above provided. Any such temporary trustee appointed by the City shall immediately and without further act be superseded by the trustee appointed by such Bondholders. Every such temporary trustee and every such successor trustee shall be a trust company or bank in good standing, having capital and surplus of not less than $40 million. Section 910. Concerning Any Successor Trustee. Every successor or temporary trustee appointed hereunder shall execute, acknowledge and deliver to its predecessor and also to the City an instrument in writing accepting such appointment hereunder, and thereupon such successor or temporary trustee, without any further act or conveyance, shall become fully vested with all the estates, properties, rights, powers, trusts, duties and obligations of its predecessor; 10-47392.2 39 but such predecessor shall, nevertheless, on the written request of the City or of its successor trustee, execute and deliver an instrument transferring to such successor all the estate, properties, rights, powers and trusts of such predecessor hereunder; and every predecessor trustee shall deliver all securities, moneys and any other property held by it as trustee hereunder to its successor. Should any instrument in writing from the City be required by any successor trustee for more fully and certainly vesting in such successor the estates, rights, powers and duties hereby vested or intended to be vested in the predecessor trustee, any and all such instruments in writing shall, on request, be executed, acknowledged, and delivered by the City. Section 911. Reliance Upon Instruments. The resolutions, opinions, certificates and other instruments provided for in this Indenture may be accepted and relied upon by the Trustee as conclusive evidence of the facts and conclusions stated therein and shall be full warrant, protection and authority to the Trustee for its actions taken hereunder. Section 912. Appointment of Co -Trustee. The City and the Trustee shall have power to appoint, and upon the request of the Trustee the City shall for such purpose join with the Trustee in the execution of all instruments necessary or proper to appoint, another corporation or one or more Persons approved by the Trustee, either to act as co -trustee or co -trustees jointly with the Trustee of all or any of the property subject to the lien hereof, with such powers as may be provided in the instrument of appointment and to vest in such corporation or Person oi• Persons as such co -trustee any property, title, right or power deemed necessary or desirable. In the event that the City shall not have joined in such appointment within fifteen (15) days after the receipt by it of a request so to do, the Trustee alone shall have the power to make such appointment. Should any deed, conveyance or instrument in writing from the City be required by the co-trustee.so appointed for more fully and certainly vesting in and confirming to such co - trustee such properties, rights, powers, trusts, duties and obligations, any and all such deeds, conveyances and instruments in writing shall, on request, be executed, acknowledged and delivered by the City. Every such co -trustee shall, to the extent permitted by law, be appointed subject to the following provisions and conditions, namely: (a) The Bonds shall be authenticated and delivered, and all powers, duties, obligations and rights conferred upon the Trustee in respect of the custody of all money and securities pledged or deposited hereunder, shall be exercised solely by the Trustee; and (b) The Trustee, at any time by an instrument in writing, may remove any such separate Trustee or co -trustee. Every instrument, other than this Indenture, appointing any such co -trustee shall refer to this Indenture and the conditions of this Article IX expressed, and upon the acceptance in writing by such co -trustee, the co -trustee shall be vested with the estate or property specified in such instrument, jointly with the Trustee (except insofar as local law makes it necessary for any separate trustee to act alone), subject to all the trusts, conditions and provisions of this Indenture. Any such co -trustee may at any time, by an instrument in writing, constitute the Trustee as the co -trustee's agent or attorney -in -fact with full power and authority, to the extent authorized by law, to do all acts and things and exercise all discretion authorized or permitted by the co -trustee, 10-47392.2 40 for and on behalf of the co -trustee and in the co -trustee's name. In case any co -trustee shall die, become incapable of acting, resign or be removed, all the estate, properties, rights, powers, trusts, duties and obligations of said co -trustee shall vest in and be exercised by the Trustee until the appointment of a new trustee or a successor to such co -trustee. Section 913. Designation and Succession of Paying Agent. The Trustee and any successor Trustee shall also be the Paying Agent for the Bonds. The Paying Agent shall enjoy the same protective provisions in the performance of its duties hereunder as are specified in Section 901 hereof with respect to the Trustee insofar as such provisions may be applicable. ARTICLE X SUPPLEMENTAL INDENTURES Section 1001. Supplemental Indentures Not Requiring Consent of Bondholders. The City and the Trustee may, from time to time and at any time, without the consent of or notice to the Bondholders, enter into Supplemental Indentures as follows: (a) to cure any formal defect, omission, inconsistency or ambiguity in this Indenture; (b) to grant to or confer or impose upon the Trustee for the benefit of the Bondholders any additional rights, remedies, powers, authority, security, liabilities or duties which may lawfully be granted, conferred or imposed and which are not contrary to or inconsistent with this Indenture as theretofore in effect, provided that no such additional liabilities or duties shall be imposed upon the Trustee without its consent; (c) to add to the covenants and agreements of, and limitations and restrictions upon, the City in this Indenture other covenants, agreements, limitations and restrictions to be observed by the City which are not contrary to or inconsistent with this Indenture as theretofore in effect; (d) to confirm, as further assurance, any pledge under, and the subjection to any claim, lien or pledge created or to be created by, this Indenture, of the Trust Estate or of any other moneys, securities or funds; (e) to comply with the requirements of the Trust Indenture Act of 1939, as from time to time amended; (f) to authorize the issuance and sale of one or more series of Additional Bonds; (g) to make such additions, deletions or modifications as may be necessary to assure compliance with Section 148(f) of the Code relating to required rebate to the United States or otherwise as may be necessary to assure exemption from federal income taxation of interest on the Bonds; or 10-47392.2 41 (h) to modify, alter, amend or supplement this Indenture in any other respect which is not materially adverse to the Bondholders and which does not involve a change described in clause (a), (b), (c), (d), (e) or (f) of Section 1002 hereof and which, in the judgment of the Trustee, is not to the prejudice of the Trustee. Section 1002. Supplemental Indentures Requiring Consent of Bondholders. Subject to the terms and provisions contained in this Section 1002, and not otherwise, the Holders of not less than 2/3 in aggregate principal amount of the Bonds then Outstanding shall have the right, from time to time, anything contained in this Indenture to the contrary notwithstanding, to consent to and approve the execution by the City and the Trustee of such indenture or indentures supplemental hereto as shall be deemed necessary and desirable by the City for the purpose of modifying, altering, amending, adding to, or rescinding, in any particular, any of the terms or provisions contained in this Indenture or in any Supplemental Indenture; provided, however, that nothing herein contained shall permit or be construed as permitting (a) an extension of the maturity (or mandatory redemption date) of the principal of or the interest on any Bond issued hereunder, or (b) a reduction in the principal amount of or redemption premium or rate of interest on any Bond issued hereunder, or (c) the creation of any lien on the Trust Estate or any part thereof, except as hereinbefore expressly permitted, or (d) a privilege or priority of any Bond or Bonds over any other Bond or Bonds, or (e) a reduction in the aggregate principal amount of the Bonds required for consent to such Supplemental Indenture, or (f) the deprivation of the Holder of any Bond then Outstanding of the lien hereby created on the Trust Estate. Nothing herein contained, however, shall be construed as making necessary the approval of Bondholders of the execution of any Supplemental Indenture as provided in Section 1001. If, at any time the City shall request the Trustee to enter into any Supplemental Indenture for any of the purposes of this Section, the Trustee shall, at the expense of the City, cause notice of the proposed execution of such Supplemental Indenture to be mailed by first class mail to each registered owner of the Bonds. Such notice shall briefly set forth the nature of the proposed Supplemental Indenture and shall state that copies thereof are on file at the principal office of the Trustee for inspection by Bondholders. The Trustee shall not, however, be subject to any liability to any Bondholder by reason of its failure to mail such notice, and any such failure shall not affect the validity of such Supplemental Indenture when consented to and approved as provided in this Section 1002. If the Holders of not less than 2/3 in aggregate principal amount of the Bonds Outstanding at the time of the execution of any such Supplemental Indenture shall have consented to and approved the execution thereof as herein provided, no Holder of any Bond shall have any right to object to any of the terms and provisions contained therein, or the operation thereof, or in any manner to question the propriety of the execution thereof, or to enjoin or restrain the Trustee or the City from executing the same or from taking any action pursuant to the provisions thereof. Section 1003. Effect of Supplemental Indentures. Upon the execution of any Supplemental Indenture entered into pursuant to Section 1001 or 1002 hereof, this Indenture shall be deemed to be modified and amended in accordance therewith. 10.47392.2 42 ARTICLE XI MISCELLANEOUS Section 1101. Consents, etc. of Bondholders. Any request, direction, objection or other instrument required by this Indenture to be signed and executed by the Bondholders may be in any number of concurrent writings of similar tenor and may be signed or executed by such Bondholders in person or by agent appointed in writing. Proof of the execution of any such request, direction, objection or other instrument or of the writing appointing any such agent and of the ownership of Bonds, if made in the following manner, shall be sufficient for any of the purposes of this Indenture, and shall be conclusive in favor of the Trustee with regard to any action taken by it under such request or other instrument, namely: (a) The fact and date of the execution by any Person of any such writing may be proved by the certificate of any officer in any jurisdiction who by law has power to take acknowledgments within such jurisdiction that the Person signing such writing acknowledged before such officer the execution thereof, or by an affidavit of any witness to such execution. (b) The fact of ownership of Bonds and the amount or amounts, numbers, and other identification of such Bonds, and the date of holding the same shall be proved by the registration books of the City maintained by the Trustee, as Bond registrar. Section 1102. Notices. Except as otherwise provided in this Indenture, all notices, certificates or other communications shall be sufficiently given and shall be deemed given when mailed by registered or certified mail, postage prepaid, to the City or the Trustee. Notices, certificates or other communications shall be sent to the following addresses: City: City of Fayetteville City Administration Building 113 West Mountain Fayetteville, Arkansas 72701 Attention: Mayor Trustee: Bank of Oklahoma, N.A. P. O. Box 2300 Tulsa, Oklahoma 74192 Attention: Cynthia Wilkinson Either of the foregoing may, by notice given hereunder, designate any further or different addresses to which subsequent notices, certificates or other communications shall be sent. Section 1103. Limitation of Rights. With the exception of rights herein expressly conferred, nothing expressed or mentioned in or to be implied from this Indenture, or the Bonds issued hereunder, is intended or shall be construed to give to any person or company other than the parties hereto, and the Holders of the Bonds secured by this Indenture any legal or equitable rights, remedy, or claim under or in respect to this Indenture or any covenants, conditions, and 10-47392.2 43 S provisions hereof being intended to be and being for the sole exclusive benefit of the parties hereto and the Holders of the Bonds hereby secured as herein provided. Section 1104. Severability. If any provisions of this Indenture shall be held or deemed to be or shall, in fact, be inoperative or unenforceable as applied in any particular case in any jurisdiction or jurisdictions or in all jurisdictions or in all cases because it conflicts with any provisions or any constitution or statute or rule of public policy, or for any other reason, such circumstances shall not have the effect of rendering the provision in question inoperative or unenforceable in any other case or circumstance, or of rendering any other provision• or provisions herein contained invalid, inoperative or unenforceable to any extent whatever. The invalidity of any one or more phrases, sentences, clauses or paragraphs in this Indenture contained shall not affect the remaining portions of this Indenture or any part thereof. Section 1105. Applicable Provisions of Law. This Indenture shall be considered to have been executed in the State of Arkansas and it is the intention of the parties that the substantive law of the State of Arkansas govern as to all questions of interpretation, validity and effect. Section 1106. Counterparts. This Indenture may be executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. Section 1107. Successors and Assigns. All the covenants, stipulations, provisions, agreements, rights, remedies and claims of the parties hereto in this Indenture contained shall bind and inure to the benefit of their successors and assigns. Section 1108. Captions. The captions or headings in this Indenture are for convenience only and in no way define, limit or describe the scope or intent of any provisions or sections of this Indenture. Section 1109. Photocopies and Reproductions. A photocopy or other reproduction of this Indenture may be filed as a financing statement pursuant to the Uniform Commercial Code, although the signatures of the City and the Trustee in such reproduction are not original manual signatures. Section 1110. Bonds Owned by City. In determining whether Bondholders of the requisite aggregate principal amount of the Bonds have concurred in any direction, consent or waiver under this Indenture, Bonds which are owned by the City shall be disregarded and deemed not to be Outstanding for the purpose of any such determination, except that, for the purpose of determining whether the Trustee shall be protected in relying on any such direction, consent or waiver, only Bonds which the Trustee knows are so owned shall be so disregarded. Bonds so owned which have been pledged in good faith may be regarded as Outstanding if the pledgee establishes to the satisfaction of the Trustee the pledgee's right so to act with respect to such Bonds and that the pledgee is not the City. In case of a dispute as to such right, any decision by the Trustee taken upon the advice of counsel shall be full protection to the Trustee. 10-47392.2 44 IN WITNESS WHEREOF, the City has caused these presents to be signed in its name and behalf by its Mayor and its corporate seal to be hereunto affixed and attested by its City Clerk, and, to evidence its acceptance of the trust hereby created, the Trustee has caused these presents to be signed in its behalf by its duly authorized officers and its corporate seal to be hereto affixed. ATTEST: City Clerk (SEAL) ATTEST: By: Title: (SEAL) CITY OF FAYETTEVILLE, ARKANSAS By: Mayor BANK OF OKLAHOMA, N.A., as Trustee By:_ Title: [SIGNATURE PAGE TO TRUST INDENTURE] 10-47392.2 CONSENT AND AGREEMENT TO TRUST INDENIURE The Advertising and Promotion Commission of the City of Fayetteville, Arkansas hereby consents to the execution and delivery of the foregoing Trust Indenture. ADVERTISING AND PROMOTION COMMISSION OF THE CITY OF FAYETTEVILLE,ARKANSAS By: Title: Chairman ATTEST: City Clerk [CONSENT PAGE TO TRUST INDENTURE] 10-47392.2 • EXHIBIT A TO TRUST INDENTURE Form of Series 2003 Bond Unless this certificate is presented by an authorized representative of The Depository Trust Company, a New York corporation ("DTC'), to the City or its agent for registration of transfer, exchange or payment, and any certificate issued is registered in the name of Cede & Co. or in such other name as is requested by the authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an authorized representative of DTC), any transfer, pledge or other use hereof for value or otherwise by or to any person is wrongful inasmuch as the registered owner hereof Cede & Co., has an interest herein. REGISTERED No. R03 - REGISTERED UNITED STATES OF AMERICA STATE OF ARKANSAS CITY OF FAYETTEVILLE, ARKANSAS HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BOND SERIES 2003 Interest Rate: % Maturity Date: October 1, 20 Date of Bond: July 1, 2003 Registered Owner: CEDE & CO. Principal Amount: KNOW ALL MEN BY THESE PRESENTS: CUSIP: DOLLARS That the City of Fayetteville, Arkansas, a municipality and political subdivision organized and existing by virtue of the laws of the State of Arkansas (the "City"), for value received, promises to pay to the Registered Owner shown above, or registered assigns, on the Maturity Date shown above, but solely from the source and in the manner hereinafter set forth, the Principal Amount shown above, and in like manner to pay interest on said amount from the date hereof until payment of such Principal Amount has been made or duly provided for, at the Interest Rate per annum shown above, such interest to be payable semiannually on April 1 and October I of each year, commencing on the April 1 or October 1 next succeeding the date of this bond shown above, except as the provisions hereinafter set'forth with respect to redemption of this bond prior to maturity may become applicable hereto. The principal of and premium, if any, on this bond are payable in lawful money of the United States of America upon the presentation and surrender hereof at the principal corporate trust office of Bank of Oklahoma, N.A., Tulsa, Oklahoma, or its successor or successors, as trustee (the "Trustee"). So long as Cede & Co. or another nominee of DTC is the registered owner of this bond, payment of interest hereon shall be made by wire transfer of immediately available funds by the Trustee to the Registered Owner as of the fifteenth day of the calendar month preceding the calendar month in which such interest 10-07392.2 A-1 • payment date shall fall (the "Record Date"). At any time thereafter, payment of interest hereon shall be made by check or draft of the Trustee to the Registered Owner as of the applicable Record Date, at the owner's address as it appears on the bond registration books of the City kept by the Trustee. This bond, designated "Hotel and Restaurant Gross Receipts Tax Refunding Bond, Series 2003", is one of a series of bonds aggregating Dollars (S) in principal amount (the "Series 2003 Bonds"). The Series 2003 Bonds are being issued for the purpose of refunding the City's Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"), funding a debt service reserve, and paying the costs of issuance of the Series 2003 Bonds. The Series 2003 Bonds are issued under and are secured by and entitled to the protection of a Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City and the Trustee, which Indenture is available for inspection at the principal corporate trust office of the Trustee. Reference is hereby made to the Indenture and to all indentures supplemental thereto for the provisions, among others, with respect to the nature and extent of the security, the rights, duties and obligations of the City, the Trustee and the owners of the Bonds, and the terms upon which the Bonds are issued and secured. The Series 2003 Bonds are issued pursuant to and in full compliance with the Constitution and laws of the State of Arkansas, including particularly, the Advertising and Promotion Commission Act, codified as Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), and Ordinance No. of the City adopted 2003, which ordinance authorized the execution and delivery of the Indenture. In order to secure the repayment of the Series 2003 Bonds, the City has, in accordance with the Act, pledged all receipts from a one percent (1%) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on -premises or off - premises consumption. The pledge of the receipts of the Tax (the "Tax Receipts") is subject to the prior and senior pledge of such Tax Receipts securing payment of the City's Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995, of which $700,000 in principal amount presently remains outstanding. The Indenture provides that the City may hereafter issue Additional Bonds under certain terms and conditions contained in the Indenture and, if issued or incurred, such Additional Bonds will rank on a parity of security with the Series 2003 Bonds and be equally and ratably secured by and entitled to the protection of the Indenture. 10-47392.2 A-2 • The Series 2003 Bonds are not general obligations of the City, but are special obligations secured by an irrevocable pledge of and lien on the Tax Receipts, as more particularly described in the Indenture. In no event shall the Series 2003 Bonds constitute an indebtedness of the City within the meaning of any constitutional or statutory limitation. The holder of this Series 2003 Bond shall have no right to enforce the provisions of the Indenture or to institute action to enforce the covenants therein, or to take any action with respect to any event of default under the Indenture, or to institute, appear in or defend any suit or other proceeding with respect thereto, except as provided in the Indenture. In certain events, on the conditions, in the manner and with the effect set forth in the Indenture, the principal of all the Series 2003 Bonds and Additional Bonds, if any, issued under the Indenture and then outstanding may be declared and may become due and payable before the stated maturity thereof, together with accrued interest thereon. Modifications or alterations of the Indenture, or of any indenture supplemental thereto, may be made only to the extent and in the circumstances permitted by the Indenture. The Series 2003 Bonds are subject to redemption at the election of the City, on and after October 1, 2008, in whole or in part (in inverse order of maturities and by lot within a maturity) at any time, at a redemption price equal to the principal amount being redeemed plus accrued interest to the date of redemption. Notwithstanding the foregoing, so long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, the particular Series 2003 Bonds or portions thereof to be redeemed in part within a maturity shall be selected by lot by DTC in such manner as DTC shall determine. In selecting Series 2003 Bonds for redemption prior to maturity, in the case any outstanding Series 2003 Bond is in a denomination greater than $5,000, each $5,000 of face value of such Series 2003 Bond shall be treated as a separate Series 2003 Bond of the denomination of $5,000. In the event any of the Series 2003 Bonds or portions thereof (which shall be $5,000 or any integral multiple thereof) are called for redemption, notice thereof shall be given by the Trustee by first class mail to the registered owner of each such Series 2003 Bond addressed to such registered owner at his registered address and placed in the mails not less than thirty (30) nor more than sixty (60) days prior to the date fixed for redemption; provided, however, that failure to give such notice by mailing, or any defect therein, shall not affect the validity of the proceedings for the redemption of any Series 2003 Bond with respect to which no such failure or defect has occurred. Each notice shall identify the Series 2003 Bonds or portions thereof being called, and the date on which they shall be presented for payment. After the date specified in such call notice, the Series 2003 Bond or Bonds so called for redemption will cease to bear interest provided funds sufficient for their redemption have been deposited with the Trustee, and, except for the purpose of payment, shall no longer be protected by the Indenture and shall not be deemed to be outstanding under the provisions of the Indenture. This Series 2003 Bond may be transferred on the books of registration kept by the Trustee by the registered owner or by his duly authorized attorney upon surrender hereof, together with a written instrument of transfer duly executed by the registered owner or his duly authorized attorney. 10.47392.2 A-3 • The Series 2003 Bonds are issuable as registered bonds without coupons in denominations of $5,000 and any integral multiple thereof. Subject to the limitations and upon payment of the charges provided in the Indenture, Series 2003 Bonds may be exchanged for a like aggregate principal amount of Series 2003 Bonds of other authorized denominations. No recourse shall be had for the payment of the principal of or premium, if any, or interest on any of the Series 2003 Bonds or for any claim based thereon or upon any obligation, covenant or agreement contained in the Series 2003 Bonds or the Indenture against any past, present or future alderman, officer or employee of the City, or any successor, as such, either directly or through the City or any successor of the City, under any rule of law or equity, statute or constitution or by the enforcement of any assessment or penalty or otherwise, and all such liability of any such alderman, officer or employee as such is hereby expressly waived and released as a condition of and consideration for the issuance of any of the Series 2003 Bonds. This Series 2003 Bond is issued with the intent that the laws of the State of Arkansas will govern its construction. [The Series 2003 Bonds have been designated by the City as "qualified tax-exempt obligations" within the meaning of Section 265(b)(3) of the Internal Revenue Code of 1986, as amended.] IT IS HEREBY CERTIFIED, RECITED AND DECLARED that all acts, conditions and things required to exist, happen and be performed precedent to and in the issuance of the Series 2003 Bonds do exist, have happened and have been performed in due time, form and manner as required by law; that the indebtedness represented by the Series 2003 Bonds, together with all obligations of the City, does not exceed any constitutional or statutory limitation; and that the revenues pledged to the payment of the principal of and premium, if any, and interest on the Series 2003 Bonds as the same become due and payable will be sufficient in amount for that purpose. This Series 2003 Bond shall not be valid or become obligatory for any purpose or be entitled to any security or benefit under the Indenture until the Certificate of Authentication hereon shall have been signed by the Trustee. 10-47392.2 A-4 • IN WITNESS WHEREOF, the City of Fayetteville, Arkansas has caused this Series 2003 Bond to be executed by its Mayor and City Clerk, thereunto duly authorized (by their manual or facsimile signatures), and its corporate seal to be affixed or imprinted hereon, all as of the date hereof shown above. CITY OF FAYETTEVILLE, ARKANSAS By: Mayor ATTEST: By: City Clerk (SEAL) (Form of Trustee's Certificate) TRUSTEE'S CERTIFICATE OF AUTHENTICATION This bond is one of the Series 2003 Bonds of the issue described in and issued under the provisions of the within mentioned Indenture. Attached hereto is the complete text of the opinion of Kutak Rock LLP, a signed original of which is on file with the undersigned, delivered and dated the date of the original delivery of and payment for the Series 2003 Bonds. BANK OF OKLAHOMA, N.A., as Trustee By: Authorized Signature 10-47392.2 . - A-5 S (Form of Assignment) ASSIGNMENT FOR VALUE RECEIVED, , hereby sells, assigns, and transfers unto , the within Bond and all rights thereunder, and hereby irrevocably constitutes and appoints as attorney to transfer the within Bond on the books kept for registration thereof with full power of substitution in the premises. DATE: __________,20__ Transferor GUARANTEED BY: NOTICE: Signature(s) must be guaranteed by an institution satisfactory to the Trustee or other transfer agent. 10-47392.2 A-6 I EXHIBIT B TO TRUST INDENTURE COVERAGE CERTIFICATE City of Fayetteville, Arkansas Series 2003 Hotel and Restaurant Gross Receipts Tax Refunding Bonds Date: TO: Bank of Oklahoma, N.A., as Trustee This certificate is provided pursuant to the provisions of Section 212 of the Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City of Fayetteville, Arkansas (the "City") and you, as trustee, in connection with the proposed issuance of Additional Bonds. In connection with such issuance, the undersigned certifies as follows: (a) Tax Receipts deposited into Revenue Fund for preceding twelve (12) months: (b) Maximum Annual Debt Service on all Outstanding Bonds and Series 1995 Bonds, plus the proposed Additional Bonds: $ (c) (a) divided by (b) _ % (which is greater than 125%) The undersigned hereby certifies that he is authorized to deliver this Certificate on behalf of the City. No Event of Default exists under the Indenture and, to the knowledge of the undersigned, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Indenture. CITY OF FAYETTEVILLE, ARKANSAS By: Finance & Internal Services Director 10-47392.2 B-1 • EXHIBIT C TO TRUST INDENTURE FORM OF REQUISITION City of Fayetteville, Arkansas Series Hotel and Restaurant Gross Receipts Tax Bonds Date: Requisition No.: TO: Bank of Oklahoma, N.A., as Trustee Pursuant to the provisions of Section 502 of the Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City of Fayetteville, Arkansas (the "City") and you, as trustee, you are authorized to make the following described payment directly to the Payee named below from the Project Fund: Name and Address of Payee: Amount of Payment: $ General Classification of the Expenditures: The undersigned hereby certifies that he is authorized to deliver this Requisition on behalf of the City. The amount requested hereunder has not been the basis for any previous Requisition by the City and is justly due and owing to the person(s) named herein as a proper payment or reimbursement of a Project Cost. No Event of Default exists under the Indenture and, to the knowledge of the undersigned, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. CITY OF FAYETTEVILLE, ARKANSAS By: Authorized Representative 10-47392.2 C- I S Stephens Inc. CITY OF FAYETTEVILLE, ARKANSAS Hotel Restaurant Gross Receipts Tax Refunding Bonds Series 2003 SCHEDULE OF EVENTS April 25, 2003 April 2003 0 2 3 4 5 6 7 8 ® 10 11 12 13 14 15 1® 17 18 19 20 21 22 23 ® 25 26 27 28 2.9 30 June 2003 10104 M® 7 8 9 10 11111 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 May 2003 1 23 4 5 6 7® 9 10 11 12 1® 17 18 19 id fl 24 25 26 30 31 • July 2003 1 2 3 4 5 6 7 8 9 ]0 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2003 Date Event Responsible Parties April I Discuss proposed financing with City Council City / Stephens April 9 Organizational Meeting All Parties April 16 Prepare and distribute first draft of financing documents Kutak Rock April 24 Comments due on financing documents All Parties April 28 Blacklined financing documents distributed Kutak Rock April 29 Comments due on blacklined financing documents All Parties April 30 Submit Financing Documents to Insurers Stephens Ma?S4 MA 41 Publish Bond Ordinance City/ Kutak Rock May 16 Obtain Insurance Commitment Stephens May 20 Bond Ordinance approved by City Council City / Kutak Rock / Stephens May 23 Final Preliminary Official Statement to the printer Kutak Rock! Stephens May 27 Distribute POS to Investors Stephens June 2 Pre -pricing meeting with the City Stephens June 3 Offer bonds Stephens S • Stephens Inc. June 5 Commit to underwrite Stephens June 5 City Executes BPA City / Stephens Kutak Rock / June 5 Redemption Notice Distributed Trustee June 6 Final draft of the Official Statement distributed Kutak Rock June 9 Comments due on Official Statement All Parties June 11 Print final Official Statements Kutak Rock / Stephens July 10 Closing of issue All Parties ORDINANCE NO. 4488 MICROFILMED AN ORDINANCE AUTHORIZING THE ISSUANCE AND SALE OF NOT TO EXCEED $6,620,000 OF HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS, SERIES 2003, BY THE CITY OF FAYETTEVILLE, ARKANSAS FOR THE PURPOSE OF REFUNDING THE CITY'S OUTSTANDING HOTEL AND RESTAURANT GROSS RECEIPTS TAX BONDS, SERIES 1998; AUTHORIZING THE EXECUTION AND DELIVERY OF A TRUST INDENTURE PURSUANT TO WHICH THE SERIES 2003 BONDS WILL BE ISSUED AND SECURED; AUTHORIZING THE EXECUTION AND DELIVERY OF AN OFFICIAL STATEMENT PURSUANT TO WHICH THE SERIES 2003 BONDS WILL BE OFFERED; AUTHORIZING THE EXECUTION AND DELIVERY OF A BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF THE SERIES 2003 BONDS; AUTHORIZING THE EXECUTION AND DELIVERY OF AN ESCROW DEPOSIT AGREEMENT PROVIDING FOR THE REDEMPTION OF THE SERIES 1998 BONDS; AUTHORIZING THE EXECUTION AND • DELIVERY OF A CONTINUING DISCLOSURE AGREEMENT; AND PRESCRIBING OTHER MATTERS RELATING THERETO WHEREAS, the City of Fayetteville, Arkansas (the "City") is authorized under the provisions of the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), to issue its bonds secured by and payable from the revenues derived by the City from the one percent (1%) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon the gross receipts or gross proceeds (i) derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) of restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses within the boundaries of the City engaged in the business of selling prepared food for on -premises or off -premises consumption; and WHEREAS, pursuant to the provisions of Ordinance No. 4038, duly adopted by the City on June 3, 1997, there was submitted to the qualified electors of the City the question of the issuance of not to exceed $6,950,000 in principal amount of bonds pursuant to the Act, said bonds to be secured by a pledge of and lien upon the City's receipts of the Tax (the "Tax Receipts"); and • • economically beneficial, and to pay printing, underwriting, legal and other expenses incidental to the issuance of the Series 2003 Bonds. The Series 2003 Bonds shall be issued in the forms and denominations, shall be dated, shall be numbered, shall mature, shall be subject to redemption prior to maturity, and shall contain such other terms, covenants and conditions, all as set forth in the Trust Indenture submitted to this meeting. The Mayor is hereby authorized and directed to execute and deliver the Series 2003 Bonds in substantially the form thereof contained in the Trust Indenture submitted to this meeting, and the City Clerk is hereby authorized and directed to execute and deliver the Series 2003 Bonds and to affix the seal of the City thereto, and the Mayor and City Clerk are hereby authorized and directed to cause the Series 2003 Bonds to be accepted and authenticated by the Trustee. The Mayor is hereby authorized to confer with the Trustee, Stephens Inc., Fayetteville, Arkansas (the "Underwriter"), and Kutak Rock LLP, Little Rock, Arkansas ("Bond Counsel"), in order to complete the Series 2003 Bonds in substantially the form contained in the Trust Indenture submitted to this meeting, with such changes as shall be approved by such persons executing the Series 2003 Bonds, their execution to constitute conclusive evidence of such approval. Section 2. In order to pay the principal of and interest on the Series 2003 Bonds as they mature or are called for redemption prior to maturity, there is hereby pledged all of the Tax Receipts. This pledge of Tax Receipts is made on a junior and subordinate basis to the prior pledge of Tax Receipts securing repayment of the Series 1995 Bonds. The levy and collection of the Tax shall not be discontinued or reduced while any of the Bonds are outstanding unless sufficient funds are on deposit with the Trustee under the Trust Indenture to redeem the Series 2003 Bonds in full. The City covenants and agrees that all Tax Receipts will be accounted for separately as special funds on the books of the City, and all Tax Receipts will be deposited and will be used solely as provided in the Trust Indenture. Section.3. To prescribe the terms and conditions upon which the Series 2003 Bonds are to be executed, authenticated, issued, accepted, held and secured, the Mayor is hereby authorized and directed to execute and acknowledge a Trust Indenture (the "Trust Indenture"), by and between the City and Bank of Oklahoma, N.A., Tulsa, Oklahoma (the "Trustee"), and the City Clerk is hereby authorized and directed to execute and acknowledge the Trust Indenture and to affix the seal of the City thereto; and the Mayor and the City Clerk are hereby authorized and directed to cause the Trust Indenture to be accepted, executed and acknowledged by the Trustee. The Trust Indenture is hereby approved in substantially the form submitted to this meeting, including, without limitation, the provisions thereof pertaining to the pledge of Tax Receipts and the terms of the Series 2003 Bonds. The Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Trust Indenture in substantially the form submitted to this meeting, with such changes 3 •. • • dated as of the date of its execution (the "Escrow Agreement"), by and between the City and Bank of Oklahoma, N.A., as escrow trustee (the "Escrow Trustee"), and the Mayor is hereby authorized and directed to cause the Escrow Agreement to be executed by the Escrow Trustee. The Escrow Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter, the Escrow Trustee and Bond Counsel in order to complete the Escrow Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Escrow Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Escrow Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 7. In order to provide for continuing disclosure of certain financial and operating information with respect to the Tax and the City in compliance with the provisions of Rule 15c2-12 of the U. S. Securities and Exchange Commission, the Mayor is hereby authorized and directed to execute a Continuing Disclosure Agreement to be dated as of the date of its execution (the "Continuing Disclosure Agreement"), by and between the City and the Trustee, and the Mayor is hereby authorized and directed to •cause the Continuing Disclosure Agreement to be executed by the Trustee. The Continuing Disclosure Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Continuing Disclosure Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Continuing Disclosure Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Continuing Disclosure Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 8. In order to secure lower interest rates on the Series 2003 Bonds, the Underwriter has proposed that the City consider the purchase of a policy of bond insurance with a portion of the proceeds of the Series 2003 Bonds, which policy would guarantee the payment of the principal of and interest on the Series 2003 Bonds when due. If deemed economically advantageous by the Mayor, upon the advice of the Underwriter, the Mayor is hereby authorized to execute an insurance commitment and to do any and all things necessary to accomplish the delivery of a bond insurance policy with respect to the Series 2003 Bonds. Section 9. The Mayor and City Clerk, for and on behalf of the. City, are hereby • authorized and directed to do any and all things necessary to effect the issuance, sale, execution and delivery of the Series 2003 Bonds and to effect the execution and delivery F 015 04 City of Fayetteville Maintenance/Inquiry 6/21/2006 16:56:06 Document Item Action Reference Date Ref. Taken Brief Description ORD 5/20/2003 4488 HMR Tax Refunding Bonds 2003 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - �words..............: Ord. 4488 HTax Refunding Bonds 2003 Series 2003 $6,620,000 Escrow Deposit Agreement Series 1998 Disclosure Agreement Bond Advertising & Promotion 4488 File Reference #......: ORD/2003 ground fl Security Class........: Expiration Date.......: Date for Cont/Referred: Name Referred to......: Press Cmd 6 to Update Cmdl-Return Cmd2-Check Out Cmd8-Retention Cmd3-End Press 'ENTER' to Continue Cmd5-Abstract Yes No (c) 1986-1992 Munimetrix Systems Corp. Retention Type: **** Active **** c - � L o co V L V tl a � a u 2 O 6. 6. T 0= F D 22 06. L U V .00 O j C'- >,0= n F o Ear 3 F U L � N L Fy 0 _T !2 N n 0 0 U N L i p n j C U C � = L U 0 5u N F E - n^ O h n O L V u C n EO s V O n F O O OI L d m N N � r c C,-- - V F n 0 v s'� U N (_- U L V V u c ; F n n 3 E S o c F -u o c 0 •n c o -.- 3 c j F 0 7 E J` N rl F c t'J u 6. I; - V. '- L PRELIMINARY OFFICIAL STATEMENT DATED MAY _,2003 NEW ISSUE BOOK -ENTRY ONLY KUTAK ROCK LLP DRAFT 05/07/_003 'KttlNG: In the opinion of Band Counsel, ur.-ler existing law and assuming compliance with certain covenants, interest on the Series 2003 Band% is e.u'/uded from gross income of the owners thereof fur fderal income tax purposes and is not od item of tax preference for purposes of the federal alremarire minimum tar imposed an individuals and corporations: however. with respect to corporations, interest on the Series 2003 Bonds will be taken into account in detererining adjusted current earnings and prgtits for purposes of computing the federal alternative minimum tar. Bond Counsel is also of the opinion that the Series 2003 Bonds are "qualified tax-exempt obligatnnv" within the meaning of Section 265(bj(3) of the Internal Revenue Code of 1986. as amended. Under exisrin a law, Bond Counsel is of the opinion that the Series 2003 Bonds and the interest thereon are exempt from all state, county and municipal :tors in the Sr -rte of Arkansas. See the caption "TAX EXEbIPTION" herein. Dated: July 1, 2003 $ "" CITY OF FAYETTEVILLE, ARKANSAS HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS SERIES 2003 Due: October 1, as shown below The Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Series 2003 Bonds"), are being issued by the City of Fayetteville, Arkansas (the "City") for the purpose of financing a portion of the costs of (i) redeeming the City's Hotel and Restaurant Gross Receipts Tax Bonds. Series 1998 (the "Series 1998 Bonds". funding a debt service reserve, and paying certain expenses in connection with the issuance of the Series 2003 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and "REFUNDING PROGRAM" herein. The Series 2003 Bonds are issuable only as fully registered bonds and, when issued, will be registered in the name of Cede & Co.. as nominee of The Depository Trust Company ("DTC"), New York. New York, to which principal, premium, if any, and interest payments on the Series 2003 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2CU3 Bonds. Individual purchases of the Series 2003 Bonds will be made only in book -entry form,in denominations of $5,000 or integral multiples thereof. Individual purchasers ("Beneficial Owners') of Series 2003 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. The Series 2003 Bonds shall bear interest from their dated date, payable on April I and October I of each year, commencing October 1. 2003. All such interest payments shall be payable to the persons in whose name such Series 2003 Bonds are registered on the bond registration books maintained by the Bank of Oklahoma, N.A., Tulsa, Oklahoma as trustee and paying agent (the "Trustee"), as of the fifteenth day of the calendar month next preceding the calendar month in which the applicable interest payment date falls. Principal of and premium, if any, on the Series 2003 Bonds shall be payable at the principal corporate trust office of the Trustee. So long as DTC or its nominee is the registered owner of the Series 2003 Bonds, disbursement of such payments to DTC Participants is the responsibility of DTC. and the disbursement of such payments to Beneficial Owners is the responsibility of DTC Participants or Indirect Participants, as more fully described herein. Pursuant to a Trust Indenture dated as of July I. 2003 (the "Indenture"), between the City and the Trustee, the payment of the principal of, premium, if any, and interest on the Series 2003 Bonds is secured by a pledge of the receipts from a one percent (1%) city-wide tax (the "Tax") levied by the City upon (i) the gross receipts and gross proceeds derived from renting. leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City. and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants. concession stands, convenience stores. grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption. See the caption "SECURITY FOR THE BONDS" herein. Assuming the satisfaction of certain coverage tests, the City has reserved the right to issue additional bonds to be secured on a parity basis with the Series 2003 Bonds. See the caption 'THE SERIES 2003 BONDS — Additional Bonds" herein. The Series 2003 Bonds are subject to optional redemption prior to maturity as more fully described herein under the caption "THE SERIES 2003 BONDS - Redemption." The Series 2003 Bonds are special obligations of the City secured by and payable solely from receipts of the Tax. The Series 2003 Bonds do not constitute an indebtedness of the City within the meaning of any constitutional or statutory debt limitation or restriction. The issuance of the Series 2003 Bonds shall not directly, indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the payment of the Series 2003 Bonds, except as described herein with respect to the Tax. 1.3 MATURITY SCHEDULE" Maturity Principal Interest Maturity Principal Interest . (October I) Amount Rate Price (October I) Amount Rate Price 2004 $ 2010 $ % % 2005 2011 2006 2012 2007 2013 2008 2014 2009 2015 (Accrued interest from July I. 2003 to be added) The Series 2003 Bonds are offered when, as and if issued by the City and are subject to the final approving opinion of Kutak Rock LLP, Little Rock, Arkansas, Bond Counsel. Certain matters will be passed upon for the City by its counsel, Kit Williams, Esq., City Attorney. It is expected that the Series 2003 Bonds will be available for delivery in New York, New York, on or about July 10, 2003. Stephens Inc. ' See the caption "RATING" herein. " Preliminary: subject to change. The date of this Official Statement is June_, 2003. S CITY OF FAYETTEVILLE, ARKANSAS Issuer City Council Dan Coody, Mayor Kyle Cook Bob Davis Lioneld Jordan Shirley Lucas Don Man Robert Reynolds Robert Rhoades Brenda Thiel Hugh Earnest, Chief Administrative Officer Stephen Davis, Finance & Internal Services Director Sondra Smith, City Clerk Kit Williams, City Attorney Fayetteville Advertising and Promotion Commission • Bob Davis, Chairman Dan Coody Neal Crawford • Pat Gazzola David McGeady Ching Mong Curtis Shipley BANK OF OKLAHOMA, N.A. Tulsa, Oklahoma Trustee and Paying Agent KUTAK ROCK LLP Little Rock, Arkansas Bond Counsel STEPHENS INC. Fayetteville, Arkansas • Underwriter 10-47615.3 No dealer, broker, salesman or other person has been authorized by the City or by Stephens Inc. (the • "Underwriter") to give any information or to make any representations, other than those contained herein: and, if given or made, such other information or representations must not be relied upon as having been authorized by either of the foregoing. This Official Statement does not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of any Series 2003 Bonds inany jurisdiction in which such offer is not authorized. or in which the person making such offer. solicitation or sale is not qualified to do so, or to any person to whom it is unlawful to make such offer, solicitation or sale. The information and expressions of opinion contained herein are subject to change without notice, and neither the delivery of this Official Statement nor any sale made hereunder shall, under any circumstances, create any implication that there has been no change in the affairs of the City since the date hereof. THE SERIES 2003 BONDS HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, NOR HAS THE TRUST INDENTURE BEEN QUALIFIED UNDER THE TRUST INDENTURE ACT OF 1939. AS AMENDED. IN RELIANCE UPON CERTAIN EXEMPTIONS FROM SUCH REGISTRATION AND QUALIFICATION CONTAINED IN SUCH LAWS. CERTAIN INFORMATION CONTAINED HEREIN HAS BEEN OBTAINED FROM THE CITY, THE DEPOSITORY TRUST COMPANY AND OTHER SOURCES WHICH ARE BELIEVED TO BE RELIABLE. THE UNDERWRITER HAS REVIEWED THE INFORMATION IN THIS OFFICIAL STATEMENT IN ACCORDANCE WITH, AND AS PART OF, ITS RESPONSIBILITIES TO INVESTORS UNDER THE FEDERAL SECURITIES LAWS AS APPLIED TO THE FACTS AND CIRCUMSTANCES OF THIS TRANSACTION, BUT THE UNDERWRITER DOES NOT GUARANTY THE ACCURACY OR COMPLETENESS OF SUCH INFORMATION. IN CONNECTION WITH THIS OFFERING. THE UNDERWRITER MAY OVERALLOT OR EFFECT TRANSACTIONS WHICH STABILIZE OR MAINTAIN THE MARKET PRICE OF THE SERIES 2003 BONDS AT A LEVEL ABOVE THAT WHICH MIGHT OTHERWISE PREVAIL IN THE OPEN MARKET. SUCH STABILIZING, IF COMMENCED, MAY BE DISCONTINUED AT ANY TIME. • TABLE OF CONTENTS Page IntroductoryStatement......................................................................................................................................... I TheSeries 2003 Bonds......................................................................................................................................... 2 Securityfor the Bonds.......................................................................................................................................... 4 Book -Entry Only System...................................................................................................................................... 5 RefundingProgram............................................................................................................................................... 7 EstimatedSources and Uses of Funds.................................................................................................................. 8 Estimated Debt Service Requirements.........:........................................................................................................ 8 Estimated Debt Service Coverage........................................................................................................................ 9 TheCity................................................................................................................................................................ 9 TheCommission................................................................................................................................................... 12 Definitions of Certain Terms................................................................................................................................ 12 Summaryof the Indenture.................................................................................................................................... 16 Summary of the Continuing Disclosure Agreement............................................................................................. 20 Underwriting......................................................................................................................................................... 22 TaxExemption...................................................................................................................................................... 22 Rating..................................................................................................................................................................... LegalMatters........................................................................................................................................................ 23 Miscellaneous....................................................................................................................................................... 23 Accuracy and Completeness of Official Statement.............................................................................................. 23 APPENDIX A - Form of Bond Counsel Opinion................................................................................................. A -I 10-47615.3 C1 • [THIS PAGE LEFT BLANK INTENTIONALLY] CI 10-37615.3 • PRELIMINARY OFFICIAL STATEMENT $ CITY OF FAYETTEVILLE, ARKANSAS HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS SERIES 2003 INTRODUCTORY STATEMENT The following introductory statement is subject in all respects to the more complete information set forth in this Official Statement. All descriptions and summaries of documents hereinafter set forth are qualified in their entirety by reference to each such document. Capitalized terms not otherwise defined herein shall have the meanings ascribed to such terms under the caption "DEFINITIONS OF CERTAIN TERMS" herein. This Official Statement, including the cover page and the Appendix hereto, is furnished in connection with the offering of Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003, in the principal amount of 3 * (the "Series 2003 Bonds"), by the City of Fayetteville, Arkansas (the "City"). The City is a city of the first class organized and existing under the laws of the State of Arkansas (the "State"). The City is authorized under the laws of the State, including particularly, the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), to issue and sell its bonds for the purpose of financing and refinancing the cost of convention center projects. Pursuant to the Act, the City has previously issued and there are currently outstanding (i) its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995 (the "Series 1995 Bonds") and (ii) its Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"). The Series 2003 Bonds are to be issued by the City pursuant to the Act and Ordinance No. —, adopted and approved by the City Council on _, 2003 (the ".Authorizing Ordinance"), for the purpose of financing a portion of the costs of (i) redeeming all of the outstanding Series 1998 Bonds, (ii) establishing a debt service reserve for the • Series 2003 Bonds, and (iii) paying the costs of issuing the Series 2003 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and `REFUNDING PROGRAM" herein. The issuance of the Series 1998 Bonds was approved by a majority of the qualified electors of the City at a special election held August 5, 1997, for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center. The Series 2003 Bonds are not general obligations of the City, but are special obligations payable solely from and secured by a pledge of the revenues derived by the City from a one percent (1%) tax (the "Tax") originally levied in 1977 upon (i) the gross receipts and gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City, and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants and similar businesses from the sale of prepared food and beverages for on -premises and off -premises consumption. The pledge of the receipts of the Tax (the `"fax Receipts") securing the Series 2003 Bonds is subject and subordinate to a prior pledge of said Tax Receipts securing the Series 1995 Bonds. See the caption "SECURITY FOR THE BONDS" herein. The faith and credit of the City are not pledged to the payment of the Series 2003 Bonds, and the Series 2003 Bonds do not constitute an indebtedness of the City within the meaning of any constitutional or statutory debt limitation or restriction. The issuance of the Series 2003 Bonds shall not directly, indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the payment of the Series 2003 Bonds, except as described herein with respect to the Tax Receipts. Additional Bonds may be issued on a parity of security with the Series 2003 Bonds under certain circumstances set forth in the Indenture (hereinafter defined). The Series 2003 Bonds and any such Additional Bonds are herein collectively referred to as the "Bonds." The City has covenanted in the Indenture not to issue any additional bonds under the indenture securing the Series 1995 Bonds or any other indebtedness secured on a senior basis to the Series 2003 Bonds. See the caption "THE SERIES 2003 BONDS - Additional Bonds" and " — Superior Obligations Prohibited" herein. • * Preliminary; subject to change. 10-47615.3 The Series 2003 Bonds are subject to redemption at the option of the City as provided under the caption 'THE SERIES 2003 Bonds — "Redemprion" herein. • Pursuant to the provisions of a Continuing Disclosure Agreement dated as of the date of delivery of the Series 2003 Bonds, by and between the City and the Trustee (the "Continuing Disclosure Agreement"), the City has undertaken certain obligations with respect to providing ongoing disclosure of certain financial and operating data concerning the City and the Tax Receipts and of the occurrence of certain material events. See the caption "SUMMARY OF THE CONTINUING DISCLOSURE AGREEMENT" herein. This Official Statement contains brief descriptions or summaries of, among other matters, the City, the Series 2003 Bonds, the Tax Receipts, the Continuing Disclosure Agreement, and the Trust Indenture dated as of July 1. 2003, (the "Indenture"), by and between the City and Bank of Oklahoma, N.A., Tulsa, Oklahoma, as trustee and paying agent (the `Trustee"), pursuant to'which the Series 2003 Bonds are issued and secured. Such descriptions and information do not purport to be comprehensive or definitive. All references herein to the Indenture and the Continuing Disclosure Agreement are qualified in their entirety by reference to each such documents, and all references to the Series 2003 Bonds are qualified in their entirety by reference to the definitive form thereof and the information with respect thereto included in the Indenture. Copies of the Continuing Disclosure Agreement, the Indenture, and the form of Series 2003 Bond included therein, are available from the City by writing to the attention of the City Clerk, City of Fayetteville, City Administration Building, 113 West Mountain, Fayetteville, Arkansas 72701 and, during the initial offering period only, from the Underwriter, Stephens Inc., 3425 North Futrall. Suite 201, Fayetteville, Arkansas 72703. Tax Receipt data has been provided by the City from the audited records of the City and certain demographic information has been obtained from other sources which are believed to be reliable. THE SERIES 2003 BONDS Description. The Series 2003 Bonds will be initially dated as of July 1, 2003, and will bear interest payable semiannually on April I and October 1 of each year, commencing October 1, 2003, at the rates set forth on the cover page hereof. The Series 2003 Bonds will mature on October 1 in the years and in the principal amounts set forth on the cover page hereof. • The Series 2003 Bonds are issuable only in the form of fully registered bonds and, when issued, will be registered in the name of Cede & Co., as nominee of The Depository Trust Company ("DTC"), New York, New York, to which principal, premium, if any, and interest payments on the Series 2003 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2003 Bonds. Individual purchases of the Series 2003 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof. Individual purchasers ("Beneficial Owners") of Series 2003 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. All interest payments on the Series 2003 Bonds shall be payable to the persons in whose name such Series 2003 Bonds are registered on the bond registration books maintained by the Trustee, as of the fifteenth day of the calendar month next preceding the calendar month in which the applicable interest payment date falls. Principal of and premium, if any. on the Series 2003 Bonds shall be payable at the principal corporate trust office of the Trustee. All such payments shall be valid and effectual to satisfy and discharge the liability upon such Series 2003 Bond to the extent of the sum or sums so paid. So long as DTC or its nominee is the registered owner of the Series 2003 Bonds, disbursement of such payments to DTC Participants is the responsibility of DTC, and the disbursement of such payments to Beneficial Owners is the responsibility of DTC Participants or Indirect Participants, as more fully described herein. Redemption. The Series 2003 Bonds are subject to redemption prior to maturity at the election of the City, on and after October 1, 2008, in whole or in part (in inverse order of maturities and by lot within a maturity) at any. time, at a redemption price equal to 100% of the principal amount being redeemed, plus accrued interest to the date of redemption. Partial Redemption of a Series 2003 Bond. If less than all of the Series 2003 Bonds of a maturity are called for redemption, the particular Series 2003 Bonds or portions of Series 2003 Bonds to be redeemed shall be selected by lot in such manner as the Trustee in its discretion may deem fair and appropriate. So long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, the procedures established by DTC shall control with respect to the selection of the particular Series 2003 Bonds to be redeemed. • Notice of Redemption. Notice of the call for any redemption, identifying the Series 2003 Bonds or portions thereof being called and the date on which they shall be presented for payment, shall be mailed by the Trustee by first class mail (or, so long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, by any 10-47615.3 other means acceptable to DTC, including facsimile) to the registered owner of each such Series 2003 Bond addressed to such registered owner at his registered address and placed in the mails not less than thirty (30) nor more • than sixty (60) days prior to the date fixed for redemption: provided, however, that failure to give such notice by mailing, or any defect therein, shall not affect the validity of any proceeding for the redemption of any Series 2_003 Bond with respect to which no such failure or defect has occurred. Any notice mailed as provided above shall be conclusively presumed to have been duly given, whether or not the registered owner receives the notice. Additional Bonds. The City may issue from time to time one or more series of Additional Bonds for the purpose of (i) financing Project costs in connection with the acquisition, construction and/or equipping of a Project. (ii) refunding the Series 2003 Bonds or any series of Additional Bonds, in whole or in part, or (iii) any combination thereof. Additional Bonds shall be secured equally and ratably with the Series 2003 Bonds and any other series of Additional Bonds theretofore issued and then Outstanding, except insofar as any terms or conditions of redemption or purchase established under the Indenture may afford additional benefit or security for the Bonds of any particular series and except for the security afforded by any municipal bond insurance obtained with respect to any particular series of Bonds. Before any .Additional Bonds are authenticated, there shall be delivered to the Trustee the items required for the issuance of Bonds by the Indenture, plus a Certificate of the Finance & Internal Services Director of the City certifying that, based upon necessary investigation, the Tax Receipts deposited into the Revenue Fund during the most recent twelve (12) months were not less than (i) 125% of the maximum Annual Debt Service on all then Outstanding Bonds and Series 1995 Bonds. plus the Additional Bonds then proposed to be issued, and (ii) the amount, if any, needed to make required deposits to the Debt Service Reserve Fund. No Additional Bonds shall be issued unless there is no default at the time of issuance under the Indenture. Superior Obligations Prohibited. Except to the extent as provided above with respect to the issuance of Additional Bonds, so long as Bonds are Outstanding 'under the Indenture, the City has covenanted not to create or permit the creation of any indebtedness, or to issue any bonds, notes, warrants, certificates or other obligations or evidences of indebtedness payable in any manner from the Tax Receipts or otherwise from the Trust Estate which (i) will in any way be superior to or rank on a parity with the Bonds, or (ii) will in any way be secured by a lien and charge on the Tax Receipts or on the moneys deposited in or to be deposited in the Revenue Fund, prior to or equal with the lien, pledge and charge created in the Indenture for the security of the Bonds, or (iii) will be payable prior • to or equal with the payments to be made from the Tax Receipts or the Revenue Fund into the Bond Fund or Debt Service Reserve Fund, or from said Bond Fund or Debt Service Reserve Fund for the payment of the Bonds. To that end, the City specifically covenants not to issue any additional bonds under the provisions of the trust indenture securing the Series 1995 Bonds. The City is not prohibited or restricted from issuing bonds payable from Tax Receipts so long as use of the Tax Receipts in favor of said bonds shall be made expressly subject and subordinate to the pledge and use of Tax Receipts to pay principal of and premium, if any, and interest on the Bonds and to make all required deposits into all funds held by the Trustee pursuant to the Indenture; - Transfer or Exchange. The Bonds may be transferred on the books of registration kept by the Trustee by the registered owner in person or by the owner's duly authorized attorney, upon surrender thereof, together with a written instrument of transfer duly executed by the registered owner or the owner's duly authorized attorney. Upon surrender for transfer of any Bond at the principal corporate office of the Trustee, the City shall execute and the Trustee shall authenticate and deliver in the name of the transferee or transferees a new Bond or Bonds of the same series and in the same aggregate principal amount and of any authorized denomination or denominations. Transfers of registration or exchanges of Bonds shall be without charge to the Holders of such Bonds, but any taxes or other governmental charges required to be paid with respect to the same shall be paid by the Holder of the Bond requesting such transfer or eichange as a condition precedent to the exercise of such privilege. The Trustee shall not be required to transfer or exchange any Bond during the period from and including a Record Date to the next succeeding interest payment date of such Bond nor to transfer or exchange any Bond after the mailing of notice calling such Bond for redemption has been made, and prior to such redemption. So long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, transfers of beneficial interests in the Series 2003 Bonds shall be in accordance with the rules and procedures of DTC and its direct and indirect participants. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. LJ 10-47615.3 SECURITY FOR THE BONDS • Tax Receipts. The Bonds, including the Series 2003 Bonds. are special obligations of the City secured by and payable from the revenues derived by the City from a one percent (1%) tax (the "Tax") levied upon (fl the gross receipts and gross proceeds derived from renting. leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City. and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores. grocery store -restaurants and similar businesses from the sale of prepared food and beverages for on -premises and off -premises consumption. The pledge of the receipts of the Tax (the "Tax Receipts") securing the Series 2003 Bonds is subject and subordinate to a prior pledge of said Tax Receipts securing the Series 1995 Bonds. The Series 1995 Bonds are presently outstanding in the aggregate principal amount of $700,000 and have a final maturity date of October 1,2004. Pursuant to the Act, the City levied the Tax in 1977. The Tax is limited by statute to 3% of the amount of such gross receipts and proceeds. Pursuant to the Act and the Indenture, the City has pledged the Tax Receipts to the payment of the Bonds. The Advertising and Promotion Commission of the City of Fayetteville, Arkansas (the "Commission") has approved such pledge, as required by statute. The City has continuously collected the Tax since June 1, 1977, following approval by the citizens of the City in a special election held on May 3, 1977. The City has covenanted in the Indenture that, for so long as there are Outstanding Bonds, the Tax will not be repealed and the current Tax rate of 1% will not be reduced. In addition, the City has further covenanted that all necessary action will be taken, from time to time. to collect such tax in full amount due and to apply the Tax Receipts in the manner provided in the Indenture. The following table shows Tax Receipts for The years 1977 through 2002. The amounts in the table do not include the Parks Tax. Calendar Year Total Receipts 1977 $ 90,102 1978 185,514 • 1979 210,583 1980 235,547 1981 276,336 1982 303,269 1983 344,217 1984 394,034 1985 394,818 1986 437,419 1987 452,387 1988 470,323 1989 513,094 1990 555,694 1991 578,348 1992 659,193 1993 736,097 1994 866,253 1995 932,916 1996 956,093 1997 992,939 1998 1,094.521 1999 1,170,114 2000 1,254,310 2001 1,316,096 2002[" 1,489,011 1O Unaudited • Source: City records. 10-47615.3 he faith and credit of the City are not pledged to the payment of the Series 2003 Bonds, and the Series 2003 Bonds do not constitute an indebtedness of the City within the meaning of any constitutional or • statutory debt limitation or restriction. The issuance of the Series 2003 Bonds shall not directly, indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the payment of the Series 2003 Bonds, except as described herein with respect to the Tax Receipts. Debt Service Reserve. From the proceeds of sale of each series of Bonds issued pursuant to the Indenture. there shall be deposited into the Debt Service Reserve Fund an amount which, together with the amounts then on deposit therein, will be equal to the least of (a) 10% of the face amount of [all] [each series of] Outstanding Bonds, (b) the maximum Annual Debt Service on [all] [each series of] Outstanding Bonds, or (c) 1.25 times the average Annual Debt Service on [all] [each series of] Outstanding Bonds. For all purposes of this Indenture, the Reserve Requirement may be satisfied by cash or by Investment Obligations. The Debt Service Reserve Fund shall be used solely to pay the principal of and interest on Outstanding Bonds as due for which there are no available funds in the Bond Fund to make such payments. If the amount in the Debt Service Reserve Fund is ever reduced below the Reserve Requirement, it shall be reimbursed to an amount equal to the Reserve Requirement through monthly payments, beginning not later than the fifteenth day of the month following the month in which the Debt Service Reserve Fund was reduced below the Reserve Requirement, and continuing not later than the fifteenth day of each month thereafter until such reimbursement shall have been accomplished, from any funds in the Revenue Fund (after making the required deposits into the Interest Account and Principal Account of the Bond Fund, as provided in the Indenture). If a surplus shall exist in the Debt Service Reserve Fund over and above the Reserve Requirement, such surplus shall be transferred to the Interest Account of the Bond Fund. The moneys on deposit in the Debt Service Reserve Fund may be used, together with other available funds. to provide for the payment at maturity or to redeem prior to maturity all, but not less than all, of the Outstanding Bonds. BOOK -ENTRY ONLY SYSTEM • The Series 2003 Bonds will be issued only as one fully registered Series 2003 Bond for each maturity, in the name of Cede & Co., as nominee for The Depository Trust Company, New York, New York ("DTC"), as registered owner of all the Series 2003 Bonds. The fully registered Series 2003 Bonds will be retained and immobilized in the custody of DTC. DTC (or any successor securities depository) or its nominee for all purposes under the Indenture will be considered by the City and the Trustee to be the owner or holder of the Series 2003 Bonds. Owners of any book entry interests in the Series 2003 Bonds (the "book entry interest owners") described below, will not receive or have the right to receive physical delivery of the Series 2003 Bonds, and will not be considered by the City and the Trustee to be, and will not have any rights as, owners or holders of the Series 2003 Bonds under the bond proceedings and the Indenture except to the extent, if any. expressly provided thereunder. CERTAIN INFORMATION REGARDING DTC AND DIRECT PARTICIPANTS IS SET FORTH BELOW. THIS INFORMATION HAS BEEN PROVIDED BY DTC. THE CITY, THE UNDERWRITER AND BOND COUNSEL ASSUME NO RESPONSIBILITY FOR THE ACCURACY OF SUCH STATEMENTS. DTC, the world's largest depository, is a limited -purpose trust company organized under the New York Banking Law, a "banking organization" within the meaning of the New York Banking Law, a member of the Federal Reserve System. a "clearing corporation" within the meaning of the New York Uniform Commercial Code, and a "clearing agency" registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934. DTC holds and provides asset servicing for over two million issues of U.S. and non-U.S. equity issues. corporate and municipal debt issues and money market instruments from over 85 countries that DTC's participants ("Direct Participants') deposit with DTC. DTC also facilitates the post -trade settlement among Direct Participants of sales and other securities transactions in deposited securities, through electronic computerized book -entry transfers and pledges among Direct Participants' accounts. This eliminates the need for physical movement of securities certificates. Direct Participants include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing corporations, and certain other organizations. DTC is a wholly -owned subsidiary of The Depository Trust & Clearing Corporation ("DTCC"). DTCC, in turn, is owned by a number of Direct Participants • of DTC and by Members of the National Securities Clearing Corporation, Government Securities Clearing Corporation. MBS Clearing Corporation and Emerging Markets Clearing Corporation (NSCC, GSCC, MBSCC and EMCC, also subsidiaries of DTCC). as well as by the New York Stock Exchange. Inc., the American Stock 1037615.3 Exchange LLC. and the National Association of Securities Dealers, Inc. Access to the DTC system is also available to others such as both U.S. and non-U.S. securities brokers and dealers, banks, trust companies and clearing • corporations that clear through or maintain a custodial relationship with a Direct Participant, either directly or indirectly ("Indirect Participants"). The DTC Rules applicable to its Direct and Indirect Participants are on file with the Securities and Exchange Commission. More information about DTC can be found at www.dtc.com. Purchases of Series 2003 Bonds under the DTC system must be made by or through Direct Participants. which will receive a credit for the Series 2003 Bonds on DTC's records. The ownership interest of each actual purchaser of each Series 2003 Bond ("Beneficial Owner") is in turn to be recorded on the Direct and Indirect Participants' records. Beneficial Owners will not receive written confirmation from DTC of their purchase. but Beneficial Owners are expected to receive written confirmations providing details of the transaction, as well as periodic statements of their holdings. from the Direct or Indirect Participant through which the Beneficial Owner entered into the transaction. Transfers of ownership interests in the Series 2003 Bonds are to be accomplished by entries made on the books of Direct and Indirect Participants acting on behalf of Beneficial Owners. Beneficial Owners will not receive certificates representing their ownership interests in Series 2003 Bonds, except in the event that use of the Book -Entry System for the Series 2003 Bonds is discontinued. To facilitate subsequent transfers. all Series 2003 Bonds deposited by Direct Participants with DTC are registered in the name of DTC's partnership nominee, Cede & Co. or such other name as may be requested by an authorized representative of DTC. The deposit of Series 2003 Bonds with DTC and their registration in the name of Cede & Co. or such other nominee do not effect any change in beneficial ownership. DTC has no knowledge of the actual Beneficial Owners of the Series 2003 Bonds, DTC's records reflect only the identity of the Direct Participants to whose accounts such Series 2003 Bonds are credited, which may or may not be the Beneficial Owners. The Direct and Indirect Participants will remain responsible for keeping account of their holdings on behalf of their customers. Conveyance of notices and other communications by DTC to Direct Participants, by Direct Participants to Indirect Participants, and by Direct Participants and Indirect Participants to Beneficial Owners will be governed by arrangements among them, subject to any statutory or regulatory requirements as may be in effect from time to time. Redemption notices shall be sent to DTC. If less than all of the Series 2003 Bonds within a maturity are to be • redeemed, DTC's practice is to determine by lot the amount of the interest of each Direct Participant in such maturity to be redeemed. Neither DTC nor Cede & Co. (nor such other DTC nominee) will consent or vote with respect to the Series 2003 Bonds unless authorized by a Direct Participant in accordance with DTC's Procedures. Under its usual procedures, DTC mails an Omnibus Proxy to the City as soon as possible after the Record Date. The Omnibus Proxy will assign Cede & Co.'s consenting or voting rights to those Direct Participants to whose accounts the Series 2003 Bonds are credited on the Record Date (identified in a listing attached to the Omnibus Proxy). Payment of debt service and redemption proceeds with respect to the Series 2003 Bonds will be made to Cede & Co., or such other nominee as may be requested by an authorized representative of DTC. DTC's practice is to credit Direct Participants' accounts upon DTC's receipt of funds and corresponding detail information from the City or the Trustee on payable date in accordance with their respective holdings shown on DTC's records. Payments by Participants to Beneficial Owners will be governed by standing instructions and customary practices, as is the case with securities held for the accounts of customers in bearer form or registered in "street name," and will be the responsibility of such Participant and not of DTC, the Trustee or the City, subject to any statutory or regulatory requirements as may be in effect from time to time. Payment of redemption proceeds and debt service to Cede & Co. (or such other nominee as may be requested by an authorized representative of DTC) is the responsibility of the City or the Trustee, disbursement of such payments to Direct Participants will be the responsibility of DTC, and disbursement of such payments to the Beneficial Owners will be the responsibility of Direct and Indirect Participants. BENEFICIAL OWNERSSHOULDCONSULT WITH THE DIRECT PARTICIPANTS OR INDIRECT PARTICIPANTS FROM WHOM THEY PURCHASE A BOOK ENTRY INTEREST TO OBTAIN INFORMATION CONCERNING THE SYSTEM MAINTAINED BY SUCH DIRECT PARTICIPANTS OR INDIRECT PARTICIPANTS TO RECORD SUCH INTERESTS, TO MAKE PAYMENTS, TO FORWARD NOTICES OF REDEMPTION AND OF OTHER INFORMATION. THE CITY AND THE TRUSTEE HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY ASPECTS OF THE RECORDS OR NOTICES RELATING TO, OR PAYMENTS MADE ON ACCOUNT OF, BOOK ENTRY INTEREST OWNERSHIP, OR FOR MAINTAINING. SUPERVISING OR REVIEWING ANY RECORDS RELATING TO THAT OWNERSHIP. 10-17615.3 The Trustee and the City, so long as a book entry method of recording and transferring interest in the Series 2003 Bonds is used, will send any notice of redemption or of any Indenture amendment or supplement or other • notices to Bondholders under the Indenture only to DTC (or any successor securities depository) or its nominee. Any failure of DTC to advise any Direct Participants, or of any Direct Participants or Indirect Participants to notify any Beneficial Owner, of any such notice and its content or effect will not affect the validity of the redemption of the Series 2003 Bonds called for redemption. the Indenture amendment or supplement, or any other action premised on notice given under the Indenture. The City and the Trustee cannot and do not give any assurances that DTC, Direct Participants. Indirect Participants or others will distribute payments of debt service on the Series 2003 Bonds made to DTC or its nominee as the registered owner of the Series 2003 Bonds, or any redemption or other notices, to the Beneficial Owners, or that they will do so on a timely basis, or that DTC will serve and act in a manner described in this Official Statement. DTC may discontinue providing its services as securities depository with respect to the Series 2003 Bonds at any time by giving reasonable notice to the City or the Trustee. Under such circumstances, in the event that a successor securities depository is not obtained, bond certificates are required to be printed and delivered. In addition, the City may decide to discontinue use of the system of book -entry transfers through DTC (or a successor securities depository). In that event, bond certificates will be printed and delivered. REFUNDING PROGRAM Purpose. A portion of the proceeds of the Series 2003 Bonds will be utilized, along with other available moneys, to effect a current refunding of $6,620.000 outstanding principal amount of the City's Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"). The Series 1998 Bonds were originally issued to finance a portion of the costs of construction of the Fayetteville Town Center, a multipurpose civic center located on the south side of the downtown square. Refunded Bonds. The Series 1998 Bonds will be called for redemption by the City on October 1. 2003, pursuant to the provisions of the trust indenture under which the Series 1998 Bonds were issued, and will be paid • from funds deposited with the Bank of Oklahoma, N.A., Tulsa, Oklahoma, as escrow trustee (the "Escrow Trustee") under the provisions of an Escrow Deposit Agreement to be dated as of the date of delivery of the Series 2003 Bonds (the "Escrow Agreement"), between the City and the Escrow Trustee. The Indenture provides that a portion of the proceeds from the sale of the Series 2003 Bonds, together with moneys released from the bond fund and the debt service reserve fund relating to the Series 1998 Bonds, will be held by the Escrow Trustee under the Escrow Agreement in an escrow fund (the "Escrow Fund") and used to purchase direct obligations of the United States of America (or their equivalents) (the "Defeasance Securities"). The Underwriter will verify at the time of delivery of the Series 2003 Bonds that the Defeasance Securities will mature and yield interest in such amounts which, together with uninvested funds, if any, in the Escrow Fund will be sufficient to pay, when due, the principal of and interest on the Series 1998 Bonds. Pursuant to the terms of the Escrow Agreement, the Escrow Fund is irrevocably pledged to the payment of the principal of and interest on the Series 1998 Bonds. By the deposit of Defeasance Securities and uninvested cash with the Escrow Trustee pursuant to the Escrow Agreement, the City will have defeased the Series 1998 Bonds. In the opinion of Bond Counsel, the Series 1998 Bonds will no longer be payable from, or secured by a pledge of, the Tax Receipts, but will be payable solely from the principal of and the interest on the Defeasance. Securities and uninvested cash held for such purpose by the Escrow Trustee, and the pledge of Tax Receipts securing the Series 1998 Bonds, together with all other obligations of the City to the holders of the Series 1998 Bonds under the trust indenture securing the Series 1998 Bonds, will be discharged. • 1047615.3 ESTIMATED SOURCES AND USES OF FUNDS • The proceeds of the Series 2003 Bonds are expected to be used as follows: Sources of Fundsttt Series 2003 Bond Proceeds $ Series 1998 Bond Fund and Reserve Fund Total Sources: $ Uses of Funds't Transfer to Escrow Trustee $ [Debt Service Reserve Fund Deposit] [Purchase of Surety Bond] [Bond Insurance Premium] Costs of Issuance and Underwriter's Discount Contingency Total Uses: Preliminary; subject to change. ESTIMATED DEBT SERVICE REQUIREMENTS • • As of the date of closing, the Series 1995 Bonds and the Series 2003 Bonds will constitute the only debt obligations secured by the Tax Receipts. The following table sets forth estimates of the amounts required to pay scheduled principal of and interest on the Series 1995 Bonds and the Series 2003 Bonds during each year: Series 1995 Series 1995 Series 2003 Series 2003 Total Debt Year . Principal Interest Principal Interesttlt Service 2003 $ 340,000 $ 36,581 $ $ $ 2004 360,000 18,900 2005 - - 2006 - 2007 - 2008 - 2009 - 2010 - 2011 - 2012 - 2013 - 2014 - 2015 - ..ttlllllllll Preliminary; subject to change. Assuming for purposes of this Preliminary Official State, an average coupon rate on the Series 2003 Bonds of _% per annum. 10-67615.3 E:1 ESTIMATED DEBT SERVICE COVERAGE • The following table shows estimated maximum annual debt service coverage with respect to the Series 1995 Bonds and the Series 2003 Bonds utilizing Tax Receipts for the year ended December 31, 2002. Historical Tax Receiptsttl $1,489,011 Maximum Annual Debt Service Requirement on the Series 1995 S Bonds and the Series 2003 Bondst2l Maximum Annual Debt Service Coverage M See the caption "SECURITY FOR THE BONDS —Tax Receipts' herein. (2) Preliminary: subject to change. See the caption "ESTIMATED DEBT SERVICE REQUIREMENTS" herein. THE COVERAGE NUMBERS SET FORTH ABOVE ARE BASED ON HISTORICAL COLLECTIONS OF TAX RECEIPTS. ACTUAL COLLECTIONS OF TAX RECEIPTS WILL DEPEND ON NUMEROUS FACTORS. AND THERE CAN BE NO ASSURANCE THAT FUTURE TAX RECEIPTS AVAILABLE TO PAY DEBT SERVICE ON THE SERIES 1995 BONDS AND THE SERIES 2003 BONDS WILL APPROXIMATE SUCH HISTORICAL RESULTS. THE CITY General. The City is a city of the first class organized and existing under the laws of the State of Arkansas. The City is the seat of government of Washington County (the "County") and is the. fourth largest city in the State. The City is located in the Metropolitan Statistical Area of Fayetteville/Springdale/Rogers (the "MSA"), which includes all of Washington and Benton Counties in the northwest corner of the State and is approximately 185 miles northwest of Little Rock, Arkansas, 125 miles east of Tulsa, Oklahoma, and 210 miles south of Kansas City, Missouri. • The City is served by U.S. Interstate 540, U.S. Highways 62 and 71, and State Highways 16, 45, 112, 156. 180 and 265. The Burlington Northern Railroad has several lines running through the City, and a general aviation airport with a 6,006 -foot runway is available for limited commuter travel. The Northwest Arkansas Regional Airport is located approximately 40 minutes from downtown Fayetteville and provides daily flights to numerous venues. Government. The City currently operates under the Mayor -Council form of government pursuant to which a mayor, city attorney, city clerk and eight aldermen are elected, two from each of the City's four wards. The mayor, city attorney and city clerk are full-time positions elected to four year terms. Aldermen also serve four year terms. The City's elected officials and the dates on which their respective terms expire are as follows: Name Office Term Expires Dan Coody Mayor 12/31/04 Kit Williams City Attorney 12/31/06 Sondra Smith City Clerk 12/31/04 Kyle Cook Alderman 12/31/06 Bob Davis Alderman 12/31/04 Lioneld Jordan Alderman 12/31/04 Shirley Lucas Alderman 12/31/06 Don Marr Alderman 12/31/04 Robert Reynolds Alderman 12/31/06 Robert Rhoades Alderman _ 12/31/06 Brenda Thiel Alderman 12/31/04 • 1047615.3 Population. The following is a table of population changes for the City, the MSA and the State of Arkansas. according to the United States Census Bureau: • City of State of Year Fayetteville MSA Arkansas 1960 20.274 92,069 1,786,272 1970 30.729 127,846 1,923,322 1980 36.608 178,609 2,286.435 1990 42.099 210,908 2,350,624 2000 58.047 311,121 2,673;400 Economic Data. Per capita personal income figures for the MSA and the State of Arkansas are as follows: State of Year MSA Arkansas 1992 S18,260 $16,425 1993 18,765 16,995 1994 19,590 17,750 1995 20,193 18,546 1996 20,870 19,442 1997 21,586 20,228 1998 22,893 21,256 1999 24,213 22,223 2000 23,316 21,995 Source: Bureau of Economic Analysis. Retail sales figures for the MSA and the State are as follows: State of MSA as % of Year MSA Arkansas State of Arkansas • 1993 $1,880,105,000 $16,997,721,000 11.06% 1994 2,217,229,000 19,090,516,000 11.61 1995 2,486,425,000 20,998,923,000 11.84 1996 2,692,554,000 22,053,022,000 12.21 1997 2,845,968,000 22,872,236,000 12.44 1998 3,018,896,000 23,944,647,000 12.61 1999* n/a n/a n/a 2000 3,526,791,000 28,488,033,000 12.38 2001 3,806,422,000 29,652,693,000 12.84 2002 3,841,326,000 29,269,775,000 13.12 * Methodology changed to calendar year basis. No reliable information is available for 1999. Source: Sales and Marketing Management Survey of Buyer Power. The following table shows the total assessed value of non -utility real and personal property within the City for the years indicated: Year Real Property Personal Property Total 1994 $245,093,513 $ 86,322,277 $331,415,790 1995 340,593,452 101,274,620 441,868,072 1996 359,369,202 113,157,365 472,526,567 1997 382,798,143 120,064,627 502,862,770 1998 401,001,338 127,575,096 528,576,434 1999 413,648,415 137,404,499 551,052,914 2000 432,951,171 145,147,891 578,099,062 2001 486,853.822 155.794,579 642,648,401 2002 • Source: Washington County Tax Assessor's Office. The assessed value represents 20% of the appraised value of property. 1047615.3 10 Building permits issued by the City"/ are shown below for the years indicated: • 1998 1999 2000 2001 2002 Residential Building Permits 304 451 361 339 323 Commercial Building Permits 41 59 27 38 35 Value of All Building Permits $58.948.911 $100.744,816 $121,887,263 $85,262,302 $100.809.486 t" Does not include building activity of the University of Arkansas, school permits and additions/alterations to existing structures. Source: City of Fayetteville. Unemployment figures for the MSA and the State of Arkansas, according to the U.S. Bureau of Labor Statistics, are as follows: Year MSA State of Arkansas 1994 2.4% 5.3% 1995 2.4 4.9 1996 2.9 5.4 1997 3.0 5.3 1998 3.2 5.5 1999 2.4 4.5 2000 2.1 .4.4 2001 1.7 5.1 2002 2.4 5.4 2003* 2.6 4.9 * February 2003 only; preliminary. Source: Arkansas Employment Security Department • Employment and Industry. The principal campus of the University of Arkansas is located in the City and had total enrollment for the Spring semester of 2003 of approximately 15,068. For the 2002-03 fiscal year ending June 30, 2003, the University has an operating budget in excess of $318 million, which does not include the agricultural experimentation station or other associated operations. On. the Fayetteville campus, the University employs approximately 2,522 faculty, administrative, secretarial, clerical and maintenance personnel in both full- time and part-time positions, making the University the largest employer in the City. Other major employers in the City, their products or services and approximate number of employees are set forth below: Employer Product or Service Employee Range Pinnacle Foods, International Frozen Dinners 1,000-2,499 Superior Industries Cast Aluminum Wheels 1,000-2,499 Washington Regional Medical Center Medical 1,000-2,499 Fayetteville School District Education 500-999 Tyson's Mexican Original Mexican Food Products 500-599 Arkansas Western Gas Co. Utilities 300-499 Ayrshire Electronics Manufacturing 300-499 City of Fayetteville Government 300-499 Dillards Department Store Retail 300-499 Hanna's Potpourri, Soup, Candles 300-499 McClinton -Anchor Co. Limestone & Hot Mix 300-499 Tyson's Entree Div. Frozen Dinner Entrees 300-499 Veteran's Admin. Medical Center Medical 300-499 • Source: Fayetteville Chamber of Commerce. 10-47615.3 THE COMMISSION . Pursuant to the authority of the Act, the Advertising and Promotion Commission of the City of Fayetteville. Arkansas (the "Commission") was created by ordinance of the City dated March 1, 1977. The Commission is responsible for the advertising and promotion of the City and its environs and oversees the leasing of certain City - owned convention facilities to the Board of Trustees of the University of Arkansas. The Commission is composed of four members appointed by the City Council. who are hotel, motel or restaurant owners or managers. The three remaining members are two aldermen on the City Council and one member from the public at large. The present members of the Commission are as follows: Member Term Expires Bob Davis. Chairman Dan Coody Neal Crawford Pat Gazzola David McGeady Ching Mong Curtis Shipley (City Council Member) (Mayor) 4/1/07 4/1/06 4/1/04 4/1/05 4/1/05 DEFINITIONS OF CERTAIN TERMS The following are definitions of certain terms used in this Official Statement: "Account" means an Account established byArticle V of the Indenture. "Act" means the Advertising and Promotion Commission Act, codified as Arkansas Code Annotated (1997 Repl.) Sections 26-75-601 et seq., as from time to time amended. "Additional Bonds" means Bonds in addition to the Series 2003 Bonds which are issued under the provisions of Section 212 of the Indenture. • "Additional Convention Facilities" means land, buildings, structures, machinery, furniture, fixtures, equipment and all related or necessary tangible property constituting convention center improvements which are permitted to be financed under the provisions of the Act. "Annual Debt Service" means, with respect to all or any particular amount of Bonds, the Debt Service for any particular Fiscal Year required to be paid or set aside during such Fiscal Year, less the amount of such payment which is provided from the proceeds of the sale of Bonds or from sources other than Tax Receipts. "Authorized Representative" means either the Mayor or the Finance & Internal Services Director of the City and such additional persons as from time to time may be designated to act on behalf of the City by a Certificate furnished to the Trustee containing the specimen signature thereof and executed on behalf of the City by its Mayor. "Authorizing Ordinance" means Ordinance No._, adopted by the City on , 2003, which authorized the issuance of the Series 2003 Bonds pursuant to the Indenture. "Beneficial Owner" means any Person who acquires beneficial ownership interest in a Bond held by the Securities Depository. In determining the Beneficial Owner of any Bond, the Trustee may rely exclusively upon written representations made and information given to the Trustee by the Securities Depository or its Participants with respect to any Bond held by the Securities Depository in which a beneficial ownership interest is claimed. "Bond Counsel" means any firm of nationally recognized municipal bond counsel selected by the City and acceptable to the Trustee. "Bond Fund" means the fund by that name created and established in the Indenture. "Bonds" mean the Series 2003 Bonds and all Additional Bonds, if any, issued by the City pursuant to the Indenture. "Book -Entry System" means the book -entry system maintained by the Securities Depository and described in the Indenture. • "Certificate" means a document signed by an Authorized Representative of the City attesting to or acknowledging the circumstances or other matters therein stated. 10-47615.3 12 "City" means the City of Fayetteville. Arkansas. a municipality and political subdivision under the laws of the State of Arkansas. • "City Clerk" means the person holding the office and performing the duties of the City Clerk of the City. "Closing Date" means, with respect to any series of Bonds, the date upon which there is an exchange of such series of Bonds for the proceeds representing the purchase price for such series of Bonds by the Original Purchaser or Purchasers thereof. "Code" means the Internal Revenue Code of 1986, as from time to time amended. and applicable regulations issued or proposed thereunder. "Commission" means the Advertising and Promotion Commission of the City of Fayetteville, Arkansas, or any successor thereto. "Continuing Disclosure Agreement" means. collectively, each Continuing Disclosure Agreement between the City and the Trustee, dated the date of issuance and delivery of a series of Bonds, as originally executed and as amended from time to time in accordance with the terms thereof. "Cost of Issuance Fund" means the fund by that name created and established in the Indenture. "Costs of Issuance" means all items of expense payable or reimbursable directly or indirectly by the City and related to the authorization, sale and issuance of the Bonds, including, but not limited to, underwriting discounts, fees and expenses, election expenses, publication expenses, expenses of printing, reproducing, filing and recording documents, initial fees and charges of the Trustee and any Paying Agent, fees and expenses for legal. accounting and other professional services, rating fees, costs of securing any credit enhancement for the Bonds, costs of execution, transportation and safekeeping of the Bonds, and other costs, charges and fees incurred in connection with the foregoing. "Debt Service" means, with respect to all or any particular amount of Bonds for any Payment Period, the amount required to pay the sum of the interest on such Bonds payable during the Payment Period and the principal of, and any other amount required to effect any mandatory redemption of, such Bonds, if any, during the Payment . Period. "Debt Service Reserve Fund" means the fund by that name created and established in the Indenture. "Event of Default" means any event of default specified in Section 801 of the Indenture. "Fiscal Year" means the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. "Fund" means a fund confirmed or established by the Indenture. "Government Securities" means (i)bonds, notes, certificates of indebtedness, treasury bills or other securities constituting direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America (including any such securities issued or held in book -entry form on the books of the Department of Treasury of the United States of America), and (ii)evidences of direct ownership or proportionate or individual interest in future interest or principal payments on specified direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America, which obligations are held by a bank or trust company organized and existing under the laws of the United States of America or any state thereof in the capacity of custodian in form and substance satisfactory to the Trustee. "Holder" or "Bondholder" or "Owner of the Bonds" means the registered owner of any Bond. "Indenture" means the Trust Indenture dated as of July I, 2003, between the City and the Trustee, pursuant to which the Bonds are issued, and any amendments and supplements thereto. "Interest Payment Date" means any date on which interest is payable on the Bonds. "Investment Obligations" means, if and to the extent the same are at the time legal for investment of Funds and Accounts held under the Indenture: • (a) Government Securities; 10-47615.3 13 (b) bonds, notes or other obligations of any state of the United States of America or any • political subdivision of any state, which at the time of their purchase are rated in either of the two highest rating categories by a nationally recognized Rating Agency; (c) certificates of deposit or time or demand deposits constituting direct obligations of any bank, bank holding company, savings and loan association or trust company organized under the laws of the United States of America or any state thereof (including the Trustee or any of its affiliates), except that investments may be made only in certificates of deposit or time or demand deposits which are: (1) insured by the Federal Deposit Insurance Corporation, or any other similar United States Government deposit insurance program then in existence; or (2) continuously and fully secured by Government Securities, which have a market value, exclusive of accrued interest, at all times at least equal to the principal amount of such certificates of deposit or time or demand deposits; (d) short term discount obligations of the Federal National Mortgage Association and the Government National Mortgage Association; (e) money market mutual funds (1)that invest in Government Securities or that are registered with the federal Securities and Exchange Commission (SEC), meeting the requirements of Rule 2a-7 under the Investment Company Act of 1940, and (2)that are rated in either of the two highest categories by a nationally recognized Rating Agency; and [(f) with respect to the Debt Service Reserve Fund only, the Surety Bond.] "Mayor" means the person holding the office and performing the duties of the Mayor of the City. "Original Purchaser" means the first purchaser(s) of a series of Bonds from the City. "Outstanding" means, as of any date of computation, Bonds theretofore or thereupon being delivered under the Indenture, except: (a) Bonds cancelled at or prior to such date or delivered to or acquired by the Trustee at or prior to such date for cancellation; (b) Bonds deemed to be paid in accordance with Article VII of the Indenture; and (c) Bonds in lieu of or in exchange or substitution for which other Bonds shall have been authenticated and delivered pursuant to the Indenture. "Participants" means those financial institutions for whom the Securities Depository effects book -entry transfers and pledges of securities deposited with the Securities Depository in the Book -Entry System, as such listing of Participants exists at the time of such reference. "Payment Period" means a period from, but not including, a Principal Payment Date up to, and including, the next succeeding Principal Payment Date. "Person" means any natural person, firm, association, corporation, limited liability company, partnership, joint stock company, joint venture, trust, unincorporated organization or firm, or a government or any agency or political subdivision thereof or other public body. "Principal Payment Date" means any date on which principal is payable on the Bonds, whether at maturity, by operation of the mandatory sinking fund, or otherwise. "Project" means the 1998 Project and any Additional Convention Facilities that may be acquired. constructed and equipped in the future with the proceeds of Bonds. "1998 Project" means the construction of the Fayetteville Town Center, financed in part with the proceeds of the Series 1998 Bonds. "Qualified Engineer" means an independent consulting engineer or firm of independent consulting • engineers not in the regular employ of the City. "Rating Agency" means Moody's Investors Service. Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies, Inc., or Fitch, Inc., and their respective successors and assigns. If any such 10-07615.3 14 corporation ceases to act as a securities rating agency, the City may appoint any nationally recognized securities rating agency as a replacement. • "Rebate Fund" means the fund by that name created and established in the Indenture. "Record Date" means the close of business on the fifteenth day of the calendar month next preceding each Interest Payment Date on the Bonds or, if such day shall not be a business day, the immediately preceding business day. "Redemption Fund" means the fund by that name established in the Indenture. "Reserve Requirement" means, at any particular time, an amount equal to the least of (a) 10% of the face amount of [all] [each series of] Outstanding Bonds. (b) the maximum Annual Debt Service on [all] (each series of] Outstanding Bonds, or (c) 1.25 times the average Annual Debt Service on [all] [each series of] Outstanding Bonds. "Revenue Fund" means the fund by that name confirmed and continued in the Indenture. "Securities Depository" means The Depository Trust Company, a limited -purpose trust company organized under the laws of the State of New York, or its nominee, and its successors and assigns, or any other depository institution appointed by the City to act as depository for the Bonds in connection with the Book -Entry System.. "Series 1995 Bonds" means the $2,675.000 City of.Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995, of which $700,000 in principal amount presently remains Outstanding. "Series 1998 Bonds" means the $6,950,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 'I, 1998, of which $6,620,000 in principal amount presently remains Outstanding. "Series 2003 Bonds" means the City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003. dated July 1, 2003, issued under and secured by the Indenture in the aggregate principal amount of $________ • "State" means the State of Arkansas. "Supplemental Indenture" means any indenture supplemental to or amendatory of the Indenture. ["Surety Bond" means the Surety Bond issued by guaranteeing certain payments into the Debt Service Reserve Fund with respect to the Series 2003 Bonds as provided therein and subject to the limitations set forth therein.] "Tax" means the one percent (1%) tax (the "Tax") originally levied in 1977 upon (i) the gross receipts and gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City, and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants and similar businesses from the sale of prepared food and beverages for on -premises and off - premises consumption. "Tax Receipts" means receipts derived by the City from the levy of the Tax. 'Tax Regulatory Agreement" means with respect to any series of Bonds, that Tax Regulatory Agreement of the City relating to maintenance of the excludability of interest on such Bonds from gross income for federal income tax purposes, delivered in connection with the issuance of such series of Bonds. "Trustee" and "Paying Agent" means the trustee and paying agent for the time being, whether original or successor, with the same institution to always occupy both positions, and with the original Trustee and Paying Agent being Bank of Oklahoma, N.A.. Tulsa, Oklahoma. `Trust Estate" means the property described in the granting clauses of the Indenture. Preliminary; subject to change. 10-47615.3 15 SUMMARY OF THE INDENTURE • The following statements are brief summaries of certain provisions of the Indenture. The statements do not purport to be complete. and reference is made to the Indenture, copies of which are available for examination at the offices of the City Clerk, for a full statement thereof. Funds and Accounts. The Tax Receipts are pledged by the Indenture to the payment of the principal of and interest on the Bonds. The Indenture confirms and continues the Revenue Fund established by the trust indenture securing the Series 1995 Bonds. In addition, the following Funds and Accounts are established with the Trustee in connection with the Bonds: Funds and Accounts Bond Fund. and a Principal Account and an Interest Account therein Debt Service Reserve Fund Redemption Fund Cost of Issuance Fund Rebate Fund Application of Tar Receipts. The application of Tax Receipts is as follows: (a) Revenue Fund. All Tax Receipts shall, as and when received, be deposited into the Revenue Fund. The Revenue Fund is maintained by the City'as a segregated fund. Moneys at any time on deposit in the Revenue Fund are to be applied, as needed, on a monthly basis (following any necessary application to the bond fund and debt service reserve fund for the Series 1995 Bonds) to provide for the payment of Debt Service on the Bonds, to the maintenance of the Debt Service Reserve Fund, to the payment of any arbitrage rebate due under Section 148(1) of the Code, and to the payment of fees and expenses of the Trustee and any Paying Agent, at the times and in the amounts set forth as follows: • (b) Bond Fund. On or before the fifteenth day of each month, commencing July 15, 2003, there shall be transferred from the Revenue Fund (i) into the Interest Account of the Bond Fund, an amount equal to 1/6 of the interest on the Bonds due on the next Interest Payment Date, and (ii) into the Principal Account of the Bond Fund, an amount equal to 1/12 of the principal on the Bonds due on the next Principal Payment Date. Moneys in the Bond Fund shall be used solely for the purpose of paying Annual. Debt Service on the Bonds, as provided in the Indenture. The Trustee shall withdraw from the Bond Fund, on the date of any principal or interest payment, an amount equal to such payment for the sole purpose of paying the same. If Tax Receipts in the Revenue Fund are insufficient to make the required monthly payment into the Bond Fund, the amount of any such deficiency in the payment made shall be added to the amount otherwise required to be paid into the Bond Fund in the next succeeding month. When the moneys held in the Bond Fund, the Debt Service Reserve Fund and the Redemption Fund shall be and remain sufficient to pay in full the principal of and interest on all Bonds then Outstanding in accordance with the Indenture, together with the required fees and expenses to be paid or reimbursed to the Trustee and Paying Agent, the City shall have no further obligation to make payments into such Funds. (c) Debt Service Reserve Fund. See the caption "SECURITY FOR THE BONDS — Debt Service Reserve" herein. (d) Redemption Fund. There shall be deposited to the credit of the Redemption Fund the moneys necessary to effect an optional redemption of the Bonds. Moneys in the Redemption Fund shall be transferred to the Principal Account of the Bond Fund at such times as may be necessary to effectuate redemptions of the Bonds on the first available redemption date. See the caption "THE SERIES 2003 BONDS — Redemption" herein. (e) Cost of Issuance Fund. A portion of the proceeds of the Series 2003 Bonds shall be deposited to the credit of the Cost of Issuance Fund. The Trustee shall pay those Costs of Issuance as directed by the City pursuant to a Certificate delivered on a Closing Date. After all Costs of Issuance have been paid with respect to a series of Bonds, any remaining moneys in the Cost of Issuance Fund shall be transferred to the Interest Account of • the Bond Fund. (t) Rebate Fund. The Trustee shall establish and maintain, separate and apart from any other Funds and Accounts established and maintained under the Indenture, the Rebate Fund, which Fund is not pledged to the 10-47615.3 16 payment of any Bonds. Subject to transfer to the United States in payment of any arbitrage rebate due under Section 148(f) of the Code, all moneys at any time deposited in the Rebate Fund shall be held by the Trustee in trust, and • neither the City nor the Owner of any Bond shall have any rights in or claim to such money. Any amounts remaining in the Rebate Fund after payment in full of the rebate amount owing to the United States, within sixty (60) days after the date on which the last Bond is redeemed, shall be transferred to the Revenue Fund. Any moneys remaining in the Revenue Fund following the required transfers described above may be used for any lawful purpose as determined by the Commission. Investment of Funds. At the direction of the City or absent such direction, the Trustee shall invest moneys in Funds or Accounts held by the Trustee in Investment Obligations with maturity or redemption dates consistent with the times at which said moneys will be required for the purposes provided in the Indenture; provided, however, the stated maturity dates of Investment Obligations of Debt Service Reserve Fund moneys shall not exceed five years from the date of investment therein. Moneys in separate Funds or Accounts may be commingled for the purpose of investment. Obligations purchased as an investment of moneys in any Fund or Account created by the Indenture shall be deemed at all times to be a part of such Fund or Account, and any income or loss due to an investment thereof shall be charged to the respective Fund or Account for which the investment was made except as otherwise provided in the Indenture. Valuation of Funds and Accounts. Investments in any Fund or Account shall be evaluated monthly by the Trustee. For the purpose of determining the amount in any Fund or Account, the City and the Trustee shall value all Investment Obligations credited to such Fund or Account at the price at which such Investment Obligations are redeemable by the Holders or owners thereof at their option if so redeemable, or, if not so redeemable, at the lesser of (i)the cost of such Investment Obligations minus the amortization of any premium or plus the amortization of any discount thereon and (ii)the market value of such Investment Obligations, provided that Investment Obligations credited to the Debt Service Reserve Fund, if not so redeemable, shall be valued at the cost thereof minus the amortization of any premium or plus the amortization of any discount thereon. The Trustee shall sell or present for redemption any Investment Obligations as necessary in order to • provide money for the purpose of making any payment required under the Indenture, and the Trustee shall not be liable for any loss resulting from any such sale. Responsibility of Trustee. The Trustee shall not be responsible or liable for any loss suffered in connection with any investment of moneys made by it at the direction of the City. Instruments of Further Assurance. At the request of the Trustee, the City shall, so far as it may be authorized by law, pass, make, do, execute, acknowledge and deliver, all and every such further resolutions. ordinances, acts, deeds, conveyances, assignments, transfers and assurances as may be necessary or desirable for the better assuring, conveying, granting, pledging, assigning and confirming of all and singular the Tax Receipts and all other moneys pledged or assigned by the Indenture, or intended so to be, or which the City may become bound to pledge or assign. Tax Covenants. The City shall not use or permit the use of any Bond proceeds or any other funds of the City, directly or indirectly, in any manner, and will not take or permit to be taken any other action or actions which would adversely effect the exclusion of interest on any Bond from gross income for federal income tax purposes. No part of the proceeds of the Bonds shall at any time be used, directly or indirectly, to acquire securities or obligations the acquisition of which would cause any of such Bonds to be an "arbitrage bond" as defined in Sections 148(a) and (b) of the Code. The City agrees that so long as any of the Bonds remain Outstanding, it will comply with the provisions of each applicable Tax Regulatory Agreement. Defeasance. Any Bond shall be deemed to be paid within the meaning of the Indenture when payment of the principal of and premium, if any, and interest on such Bond (whether at maturity or upon redemption as provided in the Indenture, or otherwise), either (i)shall have been made or caused to be made in accordance with the terms thereof, or (ii)shall have been provided for by irrevocably depositing with the Trustee, in trust and irrevocably set aside exclusively for such payment, (I)moneys sufficient to make such payment or (2)Government Securities (provided that such deposit will not affect the tax-exempt status of the interest on any of the Bonds or cause any of the Bonds to be classified as "arbitrage bonds" within the meaning of Section 148(a) of the Code, as reflected in an • opinion of Bond Counsel delivered to the Trustee), maturing as to principal and interest in such amounts and at such times as will provide sufficient moneys to make such payment, and all necessary and proper fees, compensation and expenses of the Trustee and any Paying Agent pertaining to the Bonds with respect to which such deposit is made 10-47615.3 17 shall have been paid or the payment thereof provided for to the satisfaction of the Trustee and any said Paying Agent. Events of Default. Each of the following events shall constitute and is referred to in the Indenture as an "Event of Default": (a) Default in the due and punctual payment of any interest on any Bond; (b) Default in the due and punctual payment of the principal of or premium, if any, on any Bond. whether at the stated maturity thereof, or upon proceedings for redemption thereof, or upon the maturity thereof by declaration; (c) Default in the payment of any other amount required to be paid under the Indenture or the performance or observance of any other of the covenants, agreements or conditions contained in the Indenture, or in the Bonds issued under the Indenture, and continuance thereof for a period of sixty (60) days after written notice specifying such failure and requesting that it be remedied, shall have been given to the City by the Trustee. which may give such notice in its discretion and shall give such notice at the written request of Holders of not less than fifty-one percent (51%) in aggregate principal amount of the Bonds then Outstanding, unless the Trustee, or the Trustee and Holders of an aggregate principal amount of Bonds not less than the aggregate principal amount of Bonds the Holders of which requested such notice, as the case may be, shall agree in writing to an extension of such period prior to its expiration; provided, however, if the failure stated in the notice cannot be corrected within the applicable period, the Trustee will not unreasonably withhold its consent to an extension of such time if corrective action is instituted by the City within such period and is being diligently pursued; (d) The filing of a petition in bankruptcy by or against the City under the United States Bankruptcy Code or the commencement of a proceeding by or against the City under any other law concerning insolvency, reorganization or bankruptcy; and (e) If the State has limited or altered the rights of the City pursuant to the Act, as in force on the date of the Indenture, to fulfill the terms of any agreements made with the Trustee or the Bondholders or in any way impaired the rights and remedies of the Trustee or the Bondholders while any Bonds are Outstanding. The term "default" as used in clauses (a). (b) and (c) above shall mean default by the City in the performance or observance of any of the covenants, agreements or conditions on its part contained in the Indenture, or in the Bonds Outstanding thereunder, exclusive of any period of grace, required to constitute a default an "Event of Default" as described above. Acceleration. Upon the occurrence of an Event of Default, the Trustee may, and upon the written request of the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding shall, by notice in writing delivered to the City, declare the principal of all Bonds then Outstanding, together with any premium and the interest accrued thereon, immediately due and payable, and such principal and interest shall thereupon become and be immediately due and payable. Other Remedies; Rights of Bondholders. Upon the occurrence of an Event of Default, the Trustee may, as an alternative, pursue any available remedy by suit at, law or in equity, including, without limitation, mandamus to enforce the payment of the principal of and premium, if any, and interest on the Bonds then Outstanding. If an Event of Default shall have occurred, and if it shall have been requested so to do by the Holders of 51% in aggregate principal amount of Bonds Outstanding and if it shall have been indemnified as provided in the Indenture, the Trustee shall be obligated to exercise such one or more of the rights and powers conferred upon it by the Indenture as the Trustee, being advised by counsel, shall deem most expedient in the interests of the Bondholders. No remedy by the terms of the Indenture conferred upon or reserved to the Trustee (or to the Bondholders) is intended to be exclusive. of any other remedy, but each and every such remedy shall be cumulative and shall be in addition to any other remedy given under the Indenture or now or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default or Event of Default shall impair any such right or power or shall be construed to be a waiver of any such default or Event of Default or acquiescence therein; and every such right and power may be exercised from time to time and as often as may be deemed expedient. No waiver of any default or Event of Default under the Indenture, whether by the Trustee or by the Bondholders, shall extend to or shall affect any subsequent default or Event of Default or shall impair any rights or remedies consequent thereon. 1047615.3 18 Rights and Remedies of Bondholders. No Holder of any Bond shall have any right to institute any suit. action or proceeding in equity or at law for the enforcement of the Indenture or for the execution of any trust thereof • or for the appointment of a receiver or any other remedy thereunder, unless a default has occurred of which the Trustee has been notified as provided in the Indenture, or of which by the Indenture it is deemed to have nonce, nor unless such default shall have become an Event of Default and the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding shall have made written request to the Trustee and shall have offered it reasonable opportunity either to proceed to exercise the powers granted or to institute such action, suit, or proceeding in its own name, nor unless also they have offered to the Trustee indemnity as provided in the Indenture nor unless the Trustee shall thereafter fail or refuse to exercise the powers granted, or to institute such action, suit, or proceeding in its own name; and such notification, request and offer of indemnity are declared in every such case at the option of the Trustee to be conditions precedent to the execution of the powers and trusts of the Indenture, and to any action or cause of action for the enforcement of the Indenture or for the appointment of a receiver or for any other remedy thereunder; it being understood and intended that no one or more Holders of the Bonds shall have any right in any manner whatsoever to affect. disturb or prejudice the lien of the Indenture by action of the Holder or Holders or to enforce any right under the Indenture except in the manner therein provided, and that all proceedings at law or in equity shall be instituted, held and maintained in the manner therein provided for the equal benefit of the Holders of all Bonds Outstanding thereunder. Nothing in the Indenture contained shall, however, affect or impair the right of any Bondholders to enforce the payment of the principal of and premium, if any, and interest on any Bonds at and after the maturity thereof, or the obligation of the City to pay the principal of and premium, if any. and interest on each of the Bonds issued under the Indenture to the respective Holders thereof at the time and place in said Bonds expressed. Supplemental Indentures Not Requiring Consent of Bondholders. The City and the Trustee may, from time to time and at any time, without the consent of or notice to the Bondholders, enter into Supplemental Indentures as follows: (a) to cure any formal defect, omission, inconsistency or ambiguity in the Indenture; (b) to grant to or confer or impose upon the Trustee for the benefit of the Bondholders any additional rights, remedies, powers, authority, security, liabilities or duties which may lawfully be granted, conferred or • imposed and which are not contrary to or inconsistent with the Indenture as theretofore in effect, provided that no such additional liabilities or duties shall be imposed upon the Trustee without its consent; (c) to add to the covenants and agreements of, and limitations and restrictions upon. the City in the Indenture other covenants, agreements, limitations and restrictions to be observed by the City which are not contrary to or inconsistent with the Indenture as theretofore in effect; (d) to confirm, as further assurance, any pledge under, and the subjection to any claim, lien or pledge created or to be created by, the Indenture, of the Trust Estate or of any other moneys, securities or funds; (e) to comply with the requirements of the Trust Indenture Act of 1939, as from time to time amended; (1) to authorize the issuance and sale of one or more series of Additional Bonds; (g) to make such additions, deletions or modifications as may be necessary to assure compliance with Section 148(f) of the Code relating to required rebate to the United States or otherwise as may be necessary to assure exemption from federal income taxation of interest on the Bonds; or (h) to modify, alter, amend or supplement the Indenture in any other respect which is not materially adverse to the Bondholders and which does not involve a change described in clause (a), (b), (c), (d), (e) or (f) below and which, in the judgment of the Trustee, is not to the prejudice of the Trustee. Supplemental Indentures Requiring Consent of Bondholders. Subject to the terms and provisions contained in this paragraph, and not otherwise, the Holders of not less than 2/3 in aggregate principal amount of the Bonds then Outstanding shall have the right, from time to time, anything contained in the Indenture to the contrary notwithstanding, to consent to and approve the execution by the City and the Trustee of such indenture or indentures supplemental to the Indenture as shall be deemed necessary and desirable by the City for the purpose of modifying, altering, amending, adding to, or rescinding, in any particular, any of the terms or provisions contained in the Indenture or in any Supplemental Indenture; provided, however, that nothing contained in the Indenture shall permit • or be construed as permitting (a)an extension of the maturity (or mandatory redemption date) of the principal of or the interest on any Bond issued thereunder, or (b)a reduction in the principal amount of or redemption premium or rate of interest on any Bond issued thereunder, or (c)the creation of any lien on the Trust Estate or any part thereof, 10-47615.3 19 except as expressly permitted in the Indenture, or (d)a privilege or priority of any Bond or Bonds over any other Bond or Bonds, or (e)a reduction in the aggregate principal amount of the Bonds required for consent to such • Supplemental Indenture, or (I)depriving the Holder of any Bond then Outstanding of the lien created on the Trust Estate. If, at any time the City shall request the Trustee to enter into any Supplemental Indenture for any of the purposes described above, the Trustee shall, at the expense of the City, cause notice of the proposed execution of such Supplemental Indenture to be mailed by first class mail to each registered owner of the Bonds. Such notice shall briefly set forth the nature of the proposed Supplemental Indenture and shall state that copies thereof are on file at the principal office of the Trustee for inspection by Bondholders. The Trustee shall not, however, be subject to any liability to any Bondholder by reason of its failure to mail such notice, and any such failure shall not affect the validity of such Supplemental Indenture when consented to and approved as provided above. If the Holders of not less than 2/3 in aggregate principal amount of the Bonds Outstanding at the time of the execution of any such Supplemental Indenture shall have consented to and approved the execution thereof, no Holder of any Bond shall have any right to object to any of the terms and provisions contained therein, or the operation thereof, or in any manner to question the propriety of the execution thereof, or to enjoin or restrain the Trustee or the City from executing the same or from taking any action pursuant to the provisions thereof. SUMMARY OF THE CONTINUING DISCLOSURE AGREEMENT The City has entered into an undertaking in the form of the Continuing Disclosure Agreement as required by the Indenture for the benefit of the Beneficial Owners of the Series 2003 Bonds to cause certain financial information to be sent to certain information repositories annually and to cause notice to be sent to such information repositories of certain specified events, pursuant to' the requirements of Section(b)(5)(i) of Rulel5c2-12 of the Securities Exchange Act of 1934, as amended (the "Rule"). The City has not failed to comply with any previous undertaking pursuant to the Rule. The Continuing Disclosure Agreement contains the following covenants and provisions: (a) The City shall, not later than August 1 of each year, commencing August 1, 2003, provide to each Repository and the Trustee its Annual Financial Information consistent with the requirements of subsection (d) • below. (b) If, on the date specified in subsection (a) above for providing the Annual Financial Information to Repositories, the Trustee has not received a copy of the Annual Financial Information, the Trustee shall contact the Disclosure Representative to determine if the City is in compliance with subsection(a). (c) If the Trustee is unable to verify that the Annual Financial Information has been provided to the Repositories by the date required within subsection (a), the Trustee shall file a notice to such effect with the Repositories and the MSRB. (d) The City's Annual Financial Information shall contain or incorporate by reference the following: (i) Tax Receipts for the latest Fiscal Year and for the four previous Fiscal Years; and. (ii) The City's audited financial statements for the prior Fiscal Year, prepared in accordance with accounting principles generally accepted in the United States ("GAAP") as such principles are modified by the governmental accounting standards promulgated by the Government Accounting Standards Board ("GASB") and by mandated principles of the State of Arkansas, if any, as in effect from time to time, which financial statements have been audited by such auditor as shall then be required or permitted by the laws of the State of Arkansas. If the City's audited financial statements are not available by the time its Annual Financial Information is required to be filed pursuant to subsection (a) above, the Annual Financial Information shall contain the unaudited financial statements of the City, and the audited financial statements shall be filed in the same manner as the Annual Financial Information when they become available. (e) The City has agreed to instruct the Trustee to deliver to each National Repository, or the MSRB and the Arkansas State Repository, notice of the occurrence of any of the following Specified Events, if deemed material: • (i) Principal and interest payment delinquencies; (ii) Non-payment related defaults; 10-47615.3 20 Unscheduled draws on any debt service reserve reflecting financial difficulties; Unscheduled draws on any credit enhancement reflecting financial difficulties; Substitution of any credit or liquidity providers, or their failure to perform; Adverse tax opinions or events affecting the tax-exempt status of the Series 2003 Bonds; Modifications to rights of Bondowners; Bond calls; Defeasances; Release, substitution or sale of property securing payment of the Series 2003 Bonds; or Rating changes. (f) The City has agreed that the foregoing undertakings shall be for the benefit of the Beneficial Owners of the Series 2003 Bonds, and shall be enforceable by any Beneficial Owner of the Series 2003 Bonds in an action for specific performance against the City. • (g) The continuing obligation of the City to provide Annual Financial Information and notice of the occurrence of Specified Events, if material, will terminate if the City is no longer an "obligated person" within the meaning of the Rule or upon the maturity, defeasance. prior redemption or payment in full of the Series 2003 Bonds. The City and the Trustee may amend the Continuing Disclosure Agreement, and any provision of the Continuing Disclosure Agreement may be waived, if such amendment or waiver is supported by an opinion of counsel, reasonably acceptable to each of the City and the Trustee, to the effect that such amendment or waiver would not, in and of itself, cause the undertakings under the Continuing Disclosure Agreement to violate the Rule, taking into account any subsequent change in or official interpretation of the Rule. (h) The following terms used under this caption shall have the meanings set forth below: "Annual Financial information" means the annual financial information to be provided by the City of the • type described in the Continuing Disclosure Agreement. "Arkansas State Repository" means any public or private repository or entity as may be designated by the State of Arkansas as a state repository for purposes of the Rule and recognized as such by the SEC. As of the date of the Continuing Disclosure Agreement, there is no Arkansas State Repository. "Beneficial Owner" means any Person which has the power, directly or indirectly, to vote or consent with respect to, or to dispose of ownership of, any Series 2003 Bonds, including Persons holding Series 2003 Bonds through nominees or depositories. "Disclosure Representative" means the City's Finance & Internal Services Director or his or her designee, or such other officer or employee as the City shall designate in writing to the Trustee from time to time. "Fiscal Year" means the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. The City's fiscal year presently ends on December 31. "MSRB" means the Municipal Securities Rulemaking Board. "National Repository" means any nationally recognized municipal securities information repository for purposes of the Rule. "Participating Underwriter" means Stephens Inc. "Repository" means each National Repository and the Arkansas State Repository. "Specified Events" means each of the events with respect to the Series 2003 Bonds listed in subsection(e) above: (i) A failure by the City to comply with the provisions of the Continuing Disclosure Agreement will not constitute an Event of Default under the Indenture, and the sole remedy in such an event shall be an action to compel specific performance. Nevertheless, such a failure to comply must be reported in accordance with the Rule • and must be considered by any broker, dealer or municipal securities dealer before recommending the purchase or sale of the Series 2003 Bonds in the secondary market. Consequently, such a failure may adversely affect the transferability and liquidity of the Series 2003 Bonds. 10-47615.3 21 UNDERWRITING Under a bond purchase agreement entered into by and between the City and Stephens Inc.. Fayetteville. Arkansas (the "Underwriter"), the Series 2003 Bonds are being purchased at a purchase price of $ (representing the stated principal amount of the Series 2003 Bonds less an underwriting discount of $ ) plus accrued interest from July 1, 2003 to the date of delivery of the Series 2003 Bonds. The bond purchase agreement provides that the Underwriter will purchase all of the Series 2003 Bonds if any are purchased. The obligation of the Underwriter to accept delivery of the Series 2003 Bonds is subject to various conditions contained in the bond purchase agreement, including the absence of pending or threatened litigation questioning the validity of the Series 2003 Bonds or any proceedings in connection with the issuance thereof, and the absence of material adverse changes in the financial condition of the City. The Underwriter intends to offer the Series 2003 Bonds to the public initially at the offering prices as set forth on the cover page of this Official Statement, which offering prices (or bond yields establishing such offering prices) may subsequently change without any requirement of prior notice. The Underwriter reserves the right to join with dealers and other underwriters in offering the Series 2003 Bonds to the public, and may offer the Series 2003 Bonds to such dealers and other underwriters at a price below the public offering price. The City has agreed to indemnify the Underwriter against certain civil liabilities in connection with the offering and sale of the Series 2003 Bonds, including certain liabilities under federal securities laws. TAX EXEMPTION Federal Income Taxes. In the opinion of Kutak Rock LLP, Bond Counsel, under existing law, the interest on the Series 2003 Bonds is excludable from the gross income of the owners thereof for federal income tax purposes and is not an item of tax preference for purposes of the federal alternative minimum tax imposed on individuals and corporations; it should be noted, however, that for purposes of computing the alternative minimum tax imposed on corporations (as defined for federal income tax purposes), such interest is taken into account in determining adjusted current earnings and profits. The opinions set forth in the preceding sentence are subject to the condition that the City comply with all requirements of the Code that must be satisfied subsequent to the issuance of the Series 2003 • Bonds in order that the interest thereon be, or continue to be, excludable from gross income for federal income tax purposes. The City has covenanted to comply with each such requirement. Failure to comply with certain of such requirements may cause the inclusion of interest on the Series 2003 Bonds in gross income for federal income tax purposes to be retroactive to the date of issuance of the Series 2003 Bonds. Bond Counsel is also of the opinion that the Series 2003 Bonds are "qualified tax-exempt obligations" within the meaning of Section265(b)(3) of the Code, and, in the case of certain financial institutions (within the meaning of the Section265(b)(5) of the Code), a deduction is allowed for 80percent of that portion of such financial institution's interest expense allocable to interest on the Series 2003 Bonds. Bond Counsel expresses no opinion regarding other federal tax consequences arising with respect to the Series 2003 Bonds. Prospective purchasers of the Series 2003 Bonds should be aware that ownership of tax-exempt obligations may result in collateral federal income tax consequences to certain taxpayers, including, without limitation, financial institutions, property and casualty insurance companies, certain foreign corporations doing business in the United States, certain Subchapter S corporations with excess passive income, individual recipients of Social Security or Railroad Retirement benefits and taxpayers who may be deemed to have incurred or continued indebtedness to purchase or carry tax-exempt obligations. Prospective purchasers of the Series 2003 Bonds should consult their tax advisors as to applicability of any such collateral consequences. State Taxes. Bond Counsel is of the opinion that, under existing law, the interest on the Series 2003 Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. RATING Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies. Inc. ("S&P"), has given the Series 2003 Bonds the rating of""[BASED [BASED ON THE DELIVERY OF THE POLICY BY I]. Such rating reflects only the view of S&P at the time such rating was given. An explanation of the significance of . the rating may be obtained from S&P. There is no assurance that such rating will continue for any given period of time or that the rating will not be revised downward or withdrawn entirely by S&P if in its judgment circumstances so warrant. Any downward revision or withdrawal of the rating may have an adverse effect on the market price of the Series 2003 Bonds. . 10-47615.3 - 22 Neither the City nor the Underwriter have undertaken any responsibility subsequent to the issuance of the Series 2003 Bonds to assure the maintenance of the rating or to oppose any revision or withdrawal of the rating. No application has been made to any Rating Agency other than S&P for a rating on the Series 2003 Bonds. LEGAL MATTERS Legal Opinions. Legal matters incident to the authorization and issuance of the Series 2003 Bonds are subject to the unqualified approving opinion of Kutak Rock LLP, Little Rock, Arkansas, Bond Counsel, a copy of whose approving opinion will be delivered with the Series 2003 Bonds and a form of which is attached hereto as Appendix A. Certain legal matters will be passed upon for the City by its counsel, Kit Williams, Esq.. City Attorney. Litigation. There is no litigation pending seeking to restrain or enjoin the issuance or delivery of the Series 2003 Bonds or questioning or affecting the legality of the Series 2003 Bonds or the proceedings and authority under which the Series 2003 Bonds are to be issued, or questioning the right of the City to issue the Series 2003 Bonds or to levy the Tax or pledge the Tax Receipts. MISCELLANEOUS Any statements made in this Official Statement involving matters of opinion or of estimates, whether or not so expressly stated, are set forth as such and not as representations of fact, and no representation is made that any of the estimates will be realized. This Official Statement is not to be construed as a contract or agreement between the City and the purchasers or owners of any of the Series 2003 Bonds. ACCURACY AND COMPLETENESS OF OFFICIAL STATEMENT The information contained in this Official Statement has been taken from sources considered to be reliable, but is not guaranteed. To the best of the knowledge of the City, this Official Statement does not include any untrue statement of a material fact, nor does it omit the statement of any material fact required to be stated herein, or necessary to make the statements herein, in light of the circumstances under which they were made, not misleading: • The execution and delivery of this Official Statement has been duly authorized by the City of Fayetteville, Arkansas. CITY OF FAYETTEVILLE, ARKANSAS By:. Mayor • 10-37615.3 23 APPENDIX A Proposed Form of Bond Counsel Opinion Kutak Rock LLP, Bond Counsel, will render an opinion with respect to the Series 2003 Bonds, dated the date of issuance and delivery thereof, in substantially the following form: July_, 2003 City of Fayetteville, Arkansas Fayetteville, Arkansas Bank of Oklahoma, N.A., as Trustee Tulsa, Oklahoma Stephens Inc. Fayetteville, Arkansas City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Ladies and Gentlemen: • We have acted as bond counsel in connection with the issuance and sale by the City of Fayetteville, Arkansas (the "City"), a political subdivision of the State of Arkansas, of its $ * Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 er seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. of the City, duly adopted and approved on __________,2003 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of July!, 2003 (the "Indenture"), by and between the City and Bank of Oklahoma, N.A., as trustee (the "Trustee"). Reference is hereby made to the Indenture and to all indentures supplemental thereto for the provisions, among others, with respect to the conditions for the issuance of parity indebtedness by the City, the nature and extent of the security for the Bonds, the rights, duties and obligations of the City, the Trustee and the Holders of the Bonds, and the terms upon which the Bonds are issued and secured. Reference is made to an opinion of even date herewith of Kit Williams, Esq., City Attorney, a copy of which is on file with the Trustee, with respect, among other matters, to the status and valid existence of the City, the power of the City to adopt the Authorizing Ordinance and to enter into and perform its obligations under the Indenture, the valid adoption of the Authorizing Ordinance, and the due authorization, execution and delivery of the Indenture by the City, and with respect to the Indenture being enforceable upon the City. We have examined the law and such certified proceedings and other papers as we have deemed necessary to render this opinion. As to questions of fact material to our opinion, we have relied upon the representations of the City contained in the Authorizing Ordinance and the Indenture and in the certified proceedings and other certifications of public officials furnished to us, without undertaking to verify the same by independent investigation. • * Preliminary; subject to change. 10-47615.3 A -I • Based upon the foregoing, we are of the opinion, under existing law, as follows: I. The City is duly created and validly existing as a municipal corporation of the State of Arkansas. Pursuant to the Constitution and laws of the State of Arkansas, including, particularly, the Act, the City is empowered to adopt the Authorizing Ordinance, to execute and deliver the Indenture, to perform the agreements on its part contained therein, and to issue the Bonds. 2. The Authorizing Ordinance has been duly adopted by the City and constitutes a valid and binding obligation of the City enforceable upon the City in accordance with its terms. 3. The Indenture has been duly authorized, executed and delivered by the City and is a valid and binding obligation of the City enforceable upon the City in accordance with its terms. 4. The Bonds have been validly authorized, executed, issued and delivered by the City and represent valid and binding special obligations of the City. The principal, premium, if any, and interest on the Bonds shall be payable from, and shall be secured by an assignment and pledge by the City to the Trustee of the Tax Receipts (as defined in the Indenture). 5. The Tax Receipts have been duly and validly assigned and pledged to the Trustee under the Indenture, and the Indenture creates, as security for the Bonds, a valid security interest in the Tax Receipts. 6. The interest on the Bonds is excluded from gross income for federal income tax purposes and is not an item of tax preference for purposes of the federal alternative minimum tax imposed on individuals and corporations; it should be noted, however, that, for the purpose of computing the alternative minimum tax imposed on corporations (as defined for federal income tax purposes), such interest is taken into account in determining adjusted current earnings for purposes of such alternative minimum tax. The opinions set forth in the preceding sentence are subject to the condition that the City comply with all requirements of the Internal Revenue Code of • 1986, as amended, that must be satisfied prior to or subsequent to the issuance of the Bonds in order that the interest thereon be, or continue to be. excluded from gross income for federal income tax purposes. The City has covenanted to comply with each such requirement. Failure to comply with certain of such requirements may cause the inclusion of interest on the Bonds in gross income for federal income tax purposes to be retroactive to the date of issuance of the Bonds. The Bonds are "qualified tax-exempt obligations" within the meaning of Section 265(b)(3) of the Code, and, in the case of certain financial institutions (within the meaning of Section 265(b)(5) of the Code), a deduction is allowed for 80 percent of that portion of such financial institution's interest expense allocable to interest on the Bonds. We express no opinion regarding other federal tax consequences arising with respect to the Bonds. 7. The interest on the Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. 8. The Bonds are exempt from registration pursuant to the Securities Act of 1933, as amended, and the Indenture is not required to be qualified under the Trust Indenture Act of 1939, as amended, in connection with the offer and sale of the Bonds. It is to be understood that the rights of the registered owners of the Bonds and the enforceability of the Bonds, the Authorizing Ordinance and the Indenture may be subject to bankruptcy, insolvency, reorganization, moratorium and other similar laws affecting creditors' rights heretofore or hereafter enacted to the extent constitutionally applicable and that their enforcement may also be subject to the exercise of judicial discretion in appropriate cases. Very truly yours, • 10-67615.3 A-2 WHEREAS, at a special election held August 5, 1997, a majority of the qualified • electors of the City voting on the aforementioned question approved the issuance of the bonds and the corresponding pledge of the Tax Receipts to the payment thereof; and WHEREAS, pursuant to the Act and the results of the aforementioned election, the City issued its City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998 (the "Series 1998 Bonds"), for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center (the "1998 Project"); and WHEREAS, the Series 1998 Bonds were originally issued in the aggregate principal amount of $6,950,000, of which $6,620,000 presently remains outstanding; and WHEREAS, the City has also, pursuant to the Act and an ordinance duly adopted by the City, previously issued its $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995 , (the "Series 1995 Bonds"), of which $700,000 in principal amount presently remains outstanding, for the purpose of financing the construction and equipping of convention facilities; and i WHEREAS, the City has now determined that debt service savings can be realized with respect to the Series 1998 Bonds by issuing its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Series 2003 Bonds"), for the purpose of refunding the Series 1998 Bonds; and WHEREAS, the payment of debt service on the Series 2003 Bonds will be secured by a pledge of the Tax Receipts on a junior and subordinate basis to the pledge of Tax Receipts securing the payment of debt service on the Series 1995 Bonds; and NOW, THEREFORE, BE IT ORDAINED by the City Council of the City of Fayetteville, Arkansas that: ' Section 1. Under the authority of the Constitution and laws of theState of Arkansas, including particularly Amendment 65 to the Constitution of the State of Arkansas and the Act, there is hereby authorized the issuance of bonds of the City to be designated as "Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003" (the "Series 2003 Bonds"). The Series 2003 Bonds shall be issued in the i original aggregate principal amount of not to exceed Six Million Six Hundred Twenty Thousand Dollars ($6,620,000), shall mature not later than October 1, 2015, and shall bear interest at the rates specified in the Bond Purchase Agreement. The average yield on the Series 2003 Bonds as a whole shall not exceed 3.75% per annum. The proceeds of the Series 2003 Bonds will be utilized to finance a portion of the cost of redeeming the Series 1998 Bonds, to establish a debt service reserve for the Series 2003 Bonds or purchaseia surety ' l bond for reserve purposes, to pay a premium for bond insurance, if !deemed as shall be approved by such persons executing the Trust Indenture, their execution to •� constitute conclusive evidence of such approval. (Advice is given that a copy of the Trust Indenture in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 4. There is hereby authorized and approved a Preliminary Official Statement of the City, including the cover page and appendices attached thereto, relating to the Series 2003 Bonds. The Preliminary Official Statement is hereby "deemed final" by the City within the meaning of U.S. Securities and Exchange Commission Rule 15c2-12. The distribution of the Preliminary Official Statement is hereby approved. The Preliminary Official Statement, as amended to conform to the terms of the Bond Purchase Agreement, including Exhibit A thereto, and with such other changes and amendments as are mutually agreed to by the City and the Underwriter, is herein referred to as the "Official Statement," and the Mayor is hereby authorized to execute the Official Statement for and on behalf of the City. The Official Statement is hereby approved in substantially the form of the Preliminary Official Statement submitted to this meeting, and the Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Official Statement in substantially the form of the Preliminary Official Statement submitted to this ,meeting, with such changes as shall be approved by such persons, the Mayor's execution to •l constitute conclusive evidence of such approval. (Advice is given that a copy of the Preliminary Official Statement is on file with the City Clerk and is available for inspection by any interested person.) Section 5. In order to prescribe the terms and conditions upon which the Series 2003 Bonds are to be sold to the Underwriter, the Mayor is hereby authorized and directed to execute a Bond Purchase Agreement on behalf of the City, to be dated as of the date of its execution (the "Bond Purchase Agreement"), by and between the City and the Underwriter, and the Bond Purchase Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter and Bond Counsel in order to complete the Bond Purchase Agreement in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Bond Purchase Agreement, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the Bond Purchase Agreement in substantially the form authorized to be executed is on file with the City Clerk and is available for inspection by any interested person.) Section 6. In order to provide for the redemption of the Series 1998 Bonds, the • Mayor is hereby authorized and directed to execute an Escrow Deposit Agreement to be 4 0 ! Sondra Smith, City Clerk of the Trust Indenture, the Bond Purchase Agreement, the Official Statement, the Escrow Agreement, the Continuing Disclosure Agreement and a Tax Regulatory Agreement relating to the tax exemption of interest on the Series 2003 Bonds, and to perform all of the obligations of the City under and pursuant thereto. The Mayor and the City Clerk are further authorized and directed, for and on behalf of the City, to execute all papers, documents, certificates and other instruments that may be required for the carrying out of such authority or to evidence the exercise thereof. Section 10. The provisions of this Ordinance are hereby declared to be severable, and if any section, phrase or provision shall for any reason be declared to be illegal or invalid, such declaration shall not affect the validity of the remainder of the sections, phrases or provisions of this Ordinance. Section 11. All ordinances, resolutions and parts thereof in conflict herewith are hereby repealed to the extent of such conflict. PASSED and APPROVED this the 20th day of May, 2003. APPROVED: •I r 1 LA 6 KUTAK ROCK LLP DRAFT 05/07/2003 • CITY OF FAYETTEVILLE, ARKANSAS, Issuer to BANK OF OKLAHOMA, N.A., Trustee TRUST INDENTURE • Dated as of July 1, 2003 Providing for: City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Prepared by: Kutak Rock LLP 425 West Capitol Avenue, Suite 1100 • Little Rock, Arkansas 72201 10-47392.4 • TABLE OF CONTENTS Page (This Table of Contents is not part of the Trust Indenture and is only for convenience of reference.) ARTICLE I DEFINITIONS Section101. Definitions............................................................................................... Section102. Use of Words.....................................................................0.................... ARTICLE II THE BONDS Section 201. Security for Bonds................................................................................... • Section 202. Authorized Amount................................................................................. Section 203. Details of Bonds...................................................................................... Section 204. Form of Bonds......................................................................................... Section 205. Payment .................................................... Section 206. Execution .................................................. Section 207. Authentication .......................................... Section 208. Delivery of Bonds .................................... Section 209. Mutilated, Destroyed or Lost Bonds ........ Section 210. Registration and Transfer of Bonds .......... Section 211. Cancellation .............................................. Section 212. Additional Bonds ...................................... Section 213. Superior Obligations Prohibited ............... Section 214. Temporary Bonds ..................................... Section 215. Book -Entry Bonds; Securities Depository ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY .4 11 11 12 12 12 13 13 13 13 15 15 16 17 17 18 18 Section 301. Redemption of Bonds.............................................................................................19 Section302. Notice.....................................................................................................................19 Section 303. Selection of Bonds to be Redeemed.......................................................................20 Section 304. Surrender of Bonds Upon Redemption..................................................................20 • Section 305. Redemption in Part.................................................................................................20 10-47392.4 1 1 • ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Section 401. Payment of Principal. Premium and Interest..........................................................21 Section 402. Performance of Covenants.............................:.......................................................21 Section 403. Instruments of Further Assurance..........................................................................21 Section 404. Recordation and Filing...........................................................................................21 Section 405. Inspection of Books..................................................................................:.............22 Section406. Tax Covenants........................................................................................................22 Section 407. Trustee's and Paying Agent's Fees and Expenses..................................................22 Section 408. Construction of Projects; Certification of Completion Date..................................22 Section 409. Encumbrances........................................................................................................23 Section 410. Continuing Disclosure............................................................................................23 Section 411. Authority of Commission........................................................................................23 ARTICLE V REVENUES AND FUNDS Section 501. Creation of Funds and Accounts............................................................................23 Section502. Project Fund...........................................................................................................24 Section503. Revenue Fund.........................................................................................................25 Section504. Bond Fund............................................................................................................... 26 • Section 505. Cost of Issuance Fund............................................................................................26 Section506. Redemption Fund...................................................................................................27 Section507. Rebate Fund............................................................................................................27 Section 508. Debt Service Reserve Fund....................................................................................28 Section 509. Cessation of Fund Deposits.....................................................................................28 Section 510. Separate Accounts Authorized................................................................................28 ARTICLE VI INVESTMENTS Section 601. Investment of Moneys...........................................................................................29 Section 602. Investment Earnings............................................................................................... 29 Section 603. Valuation of Funds.................................................................................................29 Section 604. Responsibility of Trustee.........................................................................................30 ARTICLE VII DISCHARGE OF LIEN Section 701. Discharge of Lien...................................................................................................30 Section 702. Bonds Deemed Paid...............................................................................................30 Section 703. Non -Presentment of Bonds....................................................................................30 • 10-47392.4 ii • ARTICLE VIII DEFAULT PROVISIONS AND REMEDIES OF TRUSTEE AND BONDHOLDERS Section 801. Events of Default....................................................................................................31 Section 802. Acceleration...........................................................................................................32 Section 803. Other Remedies; Rights of Bondholders................................................................32 Section 804. Right of Bondholders to Direct Proceedings..........................................................32 Section 805. Appointment of Receiver.......................................................................................32 Section806. Waiver....................................................................................................................33 Section 807. Application of Moneys...........................................................................................33 Section 808. Remedies Vested in Trustee...................................................................................34 Section 809. Rights and Remedies of Bondholders.............................................:......................34 Section 810. Termination of Proceedings...................................................................................35 Section 811. Waivers of Events of Default.................................................................................35 ARTICLE IX TRUSTEE AND PAYING AGENT Section 901. Acceptance of Trusts..............................................................................................35 Section 902. Fees, Charges and Expenses of Trustee and Paying Agent....................................37 Section 903. Additional Duties of Trustee..................................................................................38 Section 904. Notice to Bondholders of Default..........................................................................39 • Section 905. Intervention by Trustee...........................................................................................39 Section 906. Merger or consolidation of Trustee.......................................................................39 Section 907. Resignation by Trustee...........................................................................................39 Section 908. Removal of Trustee................................................................................................39 Section 909. Appointment of Successor Trustee........................................................................39 Section 910. Concerning Any Successor Trustee........................................................................40 Section 911. Reliance Upon Instruments....................................................................................40 Section 912. Appointment of Co-Trustee...................................................................................40 Section 913. Designation and Succession of Paying Agent........................................................41 ARTICLE X SUPPLEMENTAL INDENTURES Section 1001. Supplemental Indentures Not Requiring Consent of Bondholders ......................41 Section 1002. Supplemental Indentures Requiring Consent of Bondholders .............................42 Section 1003. Effect of Supplemental Indentures.......................................................................43 ARTICLE XI MISCELLANEOUS Section 1101. Consents, etc. of Bondholders..............................................................................43 Section1102. Notices.................................................................................................................. 43 Section 1103. Limitation of Rights.............................................................................................44 • Section1104. Severability...........................................................................................................44 10-47392.4 III • Section 1105. Applicable Provisions of Law ............... Section 1106. Counterparts .......................................... Section 1107. Successors and Assigns ......................... Section 1108. Captions ................................................. Section 1109. Photocopies and Reproductions ............ Section 1110. Bonds Owned by City ........................... Signatures.....................................................................................................................:.............. 46 CJ I Exhibit A Form of Series 2003 Bond............................................:.....................................A-1 Exhibit B Form of Coverage Certificate............................................................................. B-1 Exhibit C Form of Requisition............................................................................................C-1 10-47392.4 iv • TRUST INDENTURE THIS TRUST INDENTURE, made and entered into as of July 1, 2003, by and between the CITY OF FAYETTEVIL.LE, ARKANSAS, a city of the first class organized under and existing by virtue of the laws of the State of Arkansas (the "City"), as party of the first part. and BANK OF OKLAHOMA. N.A., a national banking association organized under and existing by virtue of the laws of the United States of America, with its principal office, domicile, and post office address in Tulsa, Oklahoma (the "Trustee"), as party of the second part; WITNESSETH: WHEREAS, the City is authorized under the provisions of the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), to issue its bonds secured by and payable from the revenues derived by the City from the one percent (1%) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon (i) the gross receipts or gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption; and • WHEREAS, pursuant to the provisions of Ordinance No. 4038, duly adopted by the City on June 3, 11997, there was submitted to the qualified electors of the City the question of the issuance of not to exceed $6,950,000 in principal amount of bonds pursuant to the Act, said bonds to be secured by a'pledge of and lien upon the City's receipts of the Tax (the "Tax Receipts"); and WHEREAS, at a special election held August 5, 1997, a majority of the qualified electors of the City voting on the aforementioned question approved the issuance of the bonds and the corresponding pledge of the Tax Receipts to the payment thereof; and WHEREAS, pursuant to the Act and the results of the aforementioned election, the City issued its City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998 (the "Series 1998 Bonds"), for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center (the "1998 Project"); and WHEREAS, the Series 1998 Bonds were originally issued in the aggregate principal amount of $6,950,000, of which $6,620,000 presently remains outstanding; and WHEREAS, the City has also, pursuant to the Act and an ordinance duly adopted by the City, previously issued its $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995 (the "Series 1995 Bonds"), . of which $700,000 in principal amount presently remains outstanding, for the purpose of financing the construction and equipping of convention facilities; and 10-47392.4 • WHEREAS, pursuant to the Act and the provisions of Ordinance No. _ of the City. adopted by the City Council of the City on , 2003 (the "Authorizing Ordinance"). the City has now determined that debt service savings can be realized with respect to the Series 1998 Bonds by issuing its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series '_003 (the "Series 2003 Bonds"), for the purpose of refunding the Series 1998 Bonds; and WHEREAS, the payment of debt service on the Series 2003 Bonds will be secured by a pledge of the Tax Receipts on a junior and subordinate basis to the pledge of Tax Receipts securing the payment of debt service on the Series 1995 Bonds; and WHEREAS, the Series 2003 Bonds and the Trustee's Certificate of Authentication to be endorsed thereon are to be in substantially the forms set forth in Exhibit A hereto, with necessary and appropriate variations, omissions and insertions as permitted or required by this Indenture; and WHEREAS, the execution and delivery of this Indenture and the issuance of the Series 2003 Bonds have been in all respects duly and validly authorized by the Authorizing Ordinance: and WHEREAS, all things necessary to make the Series 2003 Bonds, when authenticated by the Trustee and issued as in this Indenture provided, the valid, binding and legal obligations of the City according to the import thereof, and to constitute this Indenture a valid obligation of the • City and a valid pledge of the Tax Receipts to the payment of the principal of and premium, if any, and interest on the Series 2003 Bonds, as specified in and in accordance with the provisions of the Act and the provisions hereof, have been done and performed, and the creation. execution and delivery of this Indenture and the creation, execution, issuance and delivery of the Series 2003 Bonds, subject to the terms hereof, have in all respects been duly authorized; NOW, THEREFORE, KNOW ALL PERSONS BY THESE PRESENTS, THIS INDENTURE WITNESSETH: That the City, in consideration of the premises and the acceptance by the Trustee of the trusts hereby created and of the purchase and acceptance of the Series 2003 Bonds by the holders and owners thereof, and the sum of Ten Dollars ($10.00), lawful money of the United States of America, to it duly paid by the Trustee, at or before the execution and delivery of these presents, and for other good and valuable consideration, the receipt of which is hereby acknowledged, and in order to secure the payment of the principal of and premium, if any, and interest on the Series 2003 Bonds and all Additional Bonds (hereinafter defined), if any, according to their tenor and effect, and to secure the performance and observance by the City of all the covenants expressed or implied herein and in the Series 2003 Bonds and Additional Bonds (collectively, the "Bonds"), subject to all of the provisions hereof, does hereby grant, bargain, sell, convey, mortgage, assign, transfer and pledge unto the Trustee, and unto its successor or successors in trust, and to them and their assigns forever, for the security of the performance of the obligations of the City hereinafter set forth, the following: • 10-47392.4 2 • 1. Subject to the prior pledge securing the payment of debt service with respect to the Series 1995 Bonds, the revenues derived by the City from the Tax levied by the City upon (i) the gross receipts or gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption (the "Tax Receipts"). The Tax has been levied by Ordinance No. 2310 adopted March 1, 1977, as amended, of the City pursuant to the authority of the Act, at the rate of one percent (1%). 2. The Bond Fund, Debt Service Reserve Fund, Redemption Fund, Project Fund and all other funds held by the Trustee pursuant to. the Indenture except the Rebate Fund and Cost of Issuance Fund, and all moneys and investments in the pledged funds but subject to the provisions of this Indenture pertaining thereto, including the making of disbursements therefrom. 3 • Any and all other moneys, rights and interests of every kind and nature which is from time to time hereafter conveyed, pledged, assigned or transferred by delivery or by writing or transfer of any kind, as and for additional security hereunder, by the City or by any other person, firm or corporation, to the Trustee, which is hereby authorized to receive any and all such property at any time and at all times and to hold and apply the same subject to the terms hereof. TO HAVE AND TO HOLD all the same (the "Trust Estate") with all privileges and appurtenances hereby conveyed and assigned, or agreed or intended so to be, to the Trustee and its successors in said trusts and to them and their assigns forever; IN TRUST NEVERTHELESS, upon the terms and trusts herein set forth for the equal and proportionate benefit, security and protection of all owners of the said Bonds issued under and secured by this Indenture without privilege, priority or distinction as to lien or otherwise of any of said Bonds over any of the other Bonds; provided, however, that if the City, its successors or assigns, shall well and truly pay, or cause to be paid, the principal of, premium,, if any, and interest due on the Bonds, at the times and in the manner provided in the Bonds according to the true intent and meaning thereof, and shall make the payments as required under this Indenture or shall provide, as permitted hereby, for the payment thereof by depositing with or causing to be deposited with the Trustee the entire amount due or to become due thereon, and shall well and . truly keep, perform and observe all of the covenants and conditions pursuant to the terms of this Indenture to be kept, performed and observed by it, and shall pay to the Trustee all sums of money due or to become due to it in accordance with the terms and provisions hereof, then upon • such final payments or deposits this Indenture and the lien and rights hereby granted shall cease, determine and be void; otherwise, this Indenture to be and remain in full force and effect. 10-47392.4 3 • THIS INDENTURE FURTHER WITNESSETH that, and it is expressly declared that, all Bonds issued and secured hereunder are to be issued, authenticated and delivered and all said revenues and income hereby pledged are to be dealt with and disposed of under, upon and subject to the terms, conditions, stipulations, covenants, agreements, trusts, uses and purposes as hdreinafter expressed, and the City has agreed and covenanted, and does hereby agree and covenant, with the Trustee and with the holders from time to time of the Bonds or any part thereof, as follows, that is to say: ARTICLE I DEFINITIONS Section 101. Definitions. In addition to the words and terms elsewhere defined in this Indenture, the following words and terms as used in this Indenture shall have the following meanings: "Account" means an Account established by Article V of this Indenture. "Act" means the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§ 26-75-601 et seq., as from time to time amended. "Additional Bonds" means Bonds in addition to the Series 2003 Bonds which are issued under the provisions of Section 212 of this Indenture. • "Additional Convention Facilities" means land, buildings, structures, machinery, furniture, fixtures, equipment and all related or necessary tangible property constituting convention center improvements which are permitted to be financed under the provisions of the Act. "Annual Debt Service" means, with respect to all or any particular amount of Bonds, the Debt Service for any particular Fiscal Year required to be paid or set aside during such Fiscal Year, less the amount of such payment which is provided from the proceeds of the sale of Bonds or from sources other than Tax Receipts. "Authorized Representative" means either the Mayor or the Finance & Internal Services Director of the City and such additional persons as from time to time may be designated to act on behalf of the City by a Certificate furnished to the Trustee containing the specimen signature thereof and executed on behalf of the City by its Mayor. "Authorizing Ordinance" means Ordinance No. , adopted by the City on 2003, which authorized the issuance of the Series 2003 Bonds pursuant to this Indenture. "Beneficial Owner" means any Person who acquires beneficial ownership interest in a Bond held by the Securities Depository. In determining the Beneficial Owner of any Bond, the • Trustee may rely exclusively upon written representations made and information given to the 10-47392.4 4 • Trustee by the Securities Depository or its Participants with respect to any Bond held by the Securities Depository in which a beneficial ownership interest is claimed. "Bond Counsel" means any firm of nationally recognized municipal bond counsel designated by the City and acceptable to the Trustee. "Bond Fund" means the fund by that name created and established in Section 501 of this Indenture. "Bonds" means the Series 2003 Bonds and all Additional Bonds, if any, authenticated and delivered under this Indenture. "Book -Entry System" means the book -entry system maintained by the Securities Depository and described in Section 215 of this Indenture. ' "Certificate" means a document signed by an Authorized Representative of the City attesting to or acknowledging the circumstances or other matters therein stated. "City" means the City of Fayetteville, Arkansas. "City Clerk" means the person holding the office and performing the duties of the City Clerk of the City. • "Closing Date" means, with respect to any series of Bonds, the date upon which there is, an exchange of such series of Bonds for the proceeds representing the purchase price for such series of Bonds by the Original Purchaser or Purchasers thereof. "Code" means the Internal Revenue Code of 1986, as from time to time amended, and applicable regulations issued or proposed thereunder. "Commission" means the Advertising and Promotion Commission of the City of Fayetteville, Arkansas, or any successor thereto. "Completion Date" means the date upon which a Project is first ready for normal continuous operation or the date upon which damaged Project facilities are replaced in normal and continuous operation. "Continuing Disclosure Agreement" means, collectively, each Continuing Disclosure Agreement between the City and the Trustee, dated'the date of issuance and delivery of a series of Bonds, as originally executed and as amended from time to time in accordance with the terms thereof. "Cost of Issuance Fund" means the fund by that name created and established in Section 501 of this Indenture. • "Costs of Issuance" means all items of expense payable or reimbursable directly or indirectly by the City and related to the authorization, sale and issuance of the Bonds, including, 10-47392.4 5 • but not limited to, underwriting discounts, fees and expenses, election expenses, publication expenses, expenses of printing, reproducing, filing and recording documents, initial fees and charges of the Trustee and Paying Agent, fees and expenses for legal, accounting and other professional services, rating fees, costs of securing any credit enhancement for the Bonds, costs of execution, transportation and safekeeping of the Bonds, and other costs, charges and fees incurred in connection with the foregoing. "Debt Service" means, with respect to all or any particular amount of Bonds for any Payment Period, the amount required to pay the sum of the interest on such Bonds payable during the Payment Period and the principal of, and any other amount required to effect any mandatory redemption of, such Bonds, if any, during the Payment Period. "Debt Service Reserve Fund" means the fund by that name created and established in Section 501 of this Indenture. "Event of Default" means any event of default specified in Section 801 hereof. "Fiscal Year" means the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. "Fund" means a fund confirmed or established by Article V of this Indenture. • "Government Securities" means (i) bonds, notes, certificates of indebtedness, treasury bills or other securities constituting direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America (including any such securities issued or held in book -entry form on the books .of the Department of Treasury of the United States of America), and (ii) evidences of direct ownership or proportionate or individual interest in future interest or principal payments on specified direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America, which obligations are held by a bank or trust company organized and existing under the laws of the •United States of America or any state thereof in the capacity of custodian in form and substance satisfactory to the Trustee. "Holder" or "Bondholder" or "Owner of the Bonds" means the registered owner of any Bond. "Indenture" means this Trust Indenture dated as of July 1, 2003, between the City and the Trustee, together with all indentures supplemental hereto. "Interest Payment Date" means any date on which interest is payable on the Bonds. "Investment Obligations" means, if and to the extent the same are at the time legal for investment of Funds and Accounts held under this Indenture: • (a) Government Securities; 10-47392.4 6 • (b) bonds, notes or other obligations of any state of the United States of America or any political subdivision of any state, which at the time of their purchase are rated in either of the two highest rating categories by a nationally recognized Rating Agency; (c) certificates of deposit or. time or demand deposits constituting direct obligations of any bank, bank holding company, savings and loan association or trust company organized under the laws of the United States of America or any state thereof (including the Trustee or any of its.affiliates), except that investments may be made only in certificates of deposit or time or demand deposits which are: (1) insured by the Federal Deposit Insurance Corporation. or any other similar United States Government deposit insurance program then in existence; or (2) continuously and fully secured by Government Securities, which have a market value, exclusive of accrued interest, at all times at least equal to the principal amount of such certificates of deposit or time or demand deposits; (d) short term discount obligations of the Federal National Mortgage Association and the Government National Mortgage Association; (e) money market mutual funds (1) that invest in Government Securities or • that are registered with the federal Securities and Exchange Commission (SEC), meeting the requirements of Rule 2a-7 under the Investment Company Act of 1940, and (2) that are rated in either of the two highest categories by a nationally recognized Rating Agency; and [(f) with respect to the Debt Service Reserve Fund only, the Surety Bond.] "Mayor" means the person holding the office and performing the duties of the Mayor of the City: "Original Purchaser" means the first purchaser(s) of a series of Bonds from the City. "Outstanding" means, as of any date of computation, Bonds theretofore or thereupon being delivered under this Indenture, except: (a) Bonds cancelled at or prior to such date or delivered to or acquired by the Trustee at or prior to such date for cancellation; (b) Bonds deemed to be paid in accordance with Article VII of this Indenture; and (c) Bonds in lieu of or in exchange or substitution for which other Bonds shall have been authenticated and delivered pursuant to this Indenture. 10-47392.4 7 • "Participants" means those financial institutions for whom the Securities Depository effects book -entry transfers and pledges of securities deposited with the Securities Depository in the Book -Entry System, as such listing of Participants exists at the time of such reference. "Payment Period" means a period from, but not including, a Principal Payment Date up to, and including, the next succeeding Principal Payment Date. "Person" means any natural person. firm, association, corporation, limited liability company, partnership, joint stock company, joint venture, trust, unincorporated organization or firm, or a government or any agency or political subdivision thereof or other public body. "Principal Payment Date" means any date on which principal is payable on the Bonds, whether at maturity, by operation of the mandatory sinking fund, or otherwise. "Project" means the 1998 Project and any Additional Convention Facilities that may be acquired, constructed or equipped in the future with the proceeds of Bonds issued hereunder. "1998 Project" means the constructiqn of the Fayetteville Town Center, financed in part with the proceeds of the Series 1998 Bonds. "Project Costs" means, to the extent permitted by the Act or other applicable laws, with respect to a Project, all costs of planning, designing, purchasing, acquiring, constructing, improving, enlarging, extending, repairing, financing and placing in operation, including • obtaining governmental approvals, certificates, permits and licenses with respect thereto, heretofore or hereafter paid or incurred by or on behalf of the City and which shall include, but shall not be limited to: (a) interest accruing in whole or in part on the Bonds prior to and during construction of a Project, including all amounts required by this Indenture to be paid from the proceeds of the Bonds into the Bond Fund; (b) preliminary investigation and development costs, engineering fees, contractors' fees, labor costs, the cost of materials, equipment, utility services and supplies, costs of obtaining permits, licenses and approvals, costs of real property, insurance premiums, legal and financing fees and costs, administrative and general costs, and all other costs properly allocable to the acquisition, construction and equipping of a Project and placing the same in operation; (c) all costs relating to injury and damage claims arising out of the acquisition, construction or equipping of a Project; (d) all other costs incurred in connection with, and properly allocable to, the acquisition, construction and equipping of a Project; and (e) amounts to pay or reimburse the City or any City fund for expenses of the City incident and properly allocable to such planning, designing, purchasing, acquiring, 10-47392.4 8 • constructing, improving, enlarging, extending, repairing, financing and placing in operation of a Project. "Project Fund" means the fund by that name created and established in Section 501 of this Indenture. "Qualified Engineer" means an independent consulting engineer or firm of independent consulting engineers not in the regular employ of the City. "Rating Agency" means Moody's Investors Service, Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies, Inc., or Fitch, Inc., and their respective successors and assigns. If any such corporation ceases to act as a securities rating agency, the City may appoint any nationally recognized securities rating agency as a replacement. "Rebate Fund" means the fund by that name created and established in Section 501 of this Indenture. "Record Date" means the close of business on the 15th day of the calendar month next preceding each Interest Payment Date on the Bonds or, if such day shall not be a business day, the immediately preceding business day. "Redemption Fund" means the fund by that name created and established in Section 501 • of this Indenture. "Requisition" means a written requisition of the City, consecutively numbered, signed by an Authorized Representative including, without limitation, the following with respect to each payment requested:. (i) the name of the person or party to whom payment is to be made and the purpose of the payment, (ii) the amount to be paid thereunder; (iii) that such amount has not been previously paid by the City and is justly due and owing to the person(s) named therein as a proper payment or reimbursement of a Project Cost; and (iv) that no Event of Default exists under the Indenture and that, to the knowledge of the Authorized Representative, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. "Reserve Requirement" means, at any particular time, an amount equal to the least of (a) 10% of the face amount of [all][each series of] Outstanding Bonds, (b) the maximum Annual • Debt Service on [all][each series of] Outstanding Bonds, or (c) 1.25 times the average Annual 10-47392.4 9 • Debt Service on [all][each series of] Outstanding Bonds. For all purposes of this Indenture. the Reserve Requirement may be satisfied by cash or by Investment Obligations. "Revenue Fund" means the fund by that name confirmed and continued in Section 501 of this Indenture. "Securities Depository" means The Depository Trust Company, a limited -purpose trust company organized under the laws of the State of New York, or its nominee, and it successors and assigns, or any other depository institution appointed by the City to act as depository for the Bonds in connection with the Book -Entry -Only System. "Series 1995 Bonds" means the $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995, of which $700,000 in principal amount presently remains Outstanding. The Series 1995 Bonds are secured by and payable from the Tax Receipts on a prior and senior basis to the pledge of Tax Receipts securing the payment of the Bonds. "Series 1998 Bonds" means the $6,950,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998, of which $6,620,000 in principal amount presently remains Outstanding. The Series 1998 Bonds are being refunded with a portion of the proceeds of the Series 2003 Bonds. • "Series 2003 Bonds" means the $ City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003, dated July 1, 2003, issued under and secured by this Indenture. "State" means the State of Arkansas. "Supplemental Indenture" means any indenture supplemental to or amendatory of this Indenture, adopted by the City in accordance with Article X hereof. ["Surety Bond" means the surety bond issued by guaranteeing certain payments into the Debt Service Reserve Fund with respect to the Series 2003 Bonds as provided therein and subject to the limitations set forth therein.] "Tax" means the one percent (1%) tax levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon (i) the gross receipts or gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption. • "Tax Receipts" means receipts derived by the City from the levy of the Tax. 10-47392.4 10 • "Tax Regulatory Agreement" means with respect to any series of Bonds issued under this Indenture, that Tax Regulatory Agreement of the City relating to maintenance of the excludability of interest on such Bonds from gross income for federal income tax purposes, delivered in connection with the issuance of such series of Bonds. "Trustee" and Paying Agent" means the trustee and paying agent for the time being, whether original or successor, with the same institution to always occupy both positions, and with the original Trustee and Paying Agent being Bank of Oklahoma, N.A., Tulsa, Oklahoma. "Trust Estate" means the property described in the granting clauses of this Indenture. Section 102. Use of Words.. Words of the masculine gender shall be deemed and construed to include correlative words of the feminine and neuter genders. Unless the context shall otherwise indicate, the words "Bond," "owner," "holder," and "person" shall include the plural, as well as the singular number. ARTICLE II THE BONDS Section 201. Security for Bonds. (a) The Bonds are special and limited obligations of the City payable as to principal, premium, if any, and interest solely out of the Trust Estate. The Trust Estate is hereby pledged, appropriated and assigned to the payment of the principal of, • premium, if any, and interest on the Bonds, all in accordance with their terms and the provisions of this Indenture. The Bonds do not constitute an indebtedness for which the faith and credit of the State of Arkansas or the City is pledged within the meaning of any Constitutional or statutory limitation. The Bonds shall never constitute an obligation of or a charge against the general credit or general taxing powers of the City. (b) The pledge, charge,.lien, trusts and assignments made herein with respect to the Trust Estate shall be valid and binding, and shall be deemed continuously perfected from the time of issuance of the Series 2003 Bonds, and the Trust Estate shall thereupon be immediately subject to the pledge, charge, lien, trust and assignment created hereby upon receipt thereof by or for the City or by the Trustee and Paying Agent hereunder, without any physical delivery, segregation thereof or further act, and such pledge, charge, lien, trust and assignment shall be valid and binding as against all parties having claims of any kind in tort, contract or otherwise against the City, irrespective of whether such parties have notice thereof. (c) The Bonds shall be equally and ratably payable and secured hereunder without priority by reason of date of adoption of this Indenture or any Supplemental Indenture authorizing their issuance or by reason of their series, number, date, date of issue, execution, authentication or sale, or otherwise. (d) So long as any Bonds are Outstanding under the provisions of this Indenture, all Tax Receipts shall be deemed to be necessary to accomplish the purposes of the City and shall be subject to the covenants and agreements set forth in this Indenture, and no such Tax Receipts shall ever .be used or deposited otherwise except as herein expressly permitted. 10-47392.4 11 (e) The City covenants, as permitted by the Act, that while any of the Bonds are Outstanding, the levy and collection of the Tax shall not be reduced or discontinued, and the City will use due diligence in causing the collection of the Tax. Nothing herein shall prohibit the City from increasing the rate of the Tax from time to time, to the extent permitted by law, and no part of the revenues or receipts derived by the City from any such increase shall be deemed part of the Tax Receipts unless authorized and pledged by a Supplemental Indenture. Section 202. Authorized Amount. There is hereby authorized the issuance of bonds of the City to be designated "Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003" in the principal amount of Dollars ($ ) (the "Series 2003 Bonds"). No Bonds may be issued under the provisions of this Indenture except in accordance with this Article II. The total principal amount of Bonds that may be issued hereunder is limited to the extent described in Section 212 hereof, except as provided in Section 209 and except for refunding bonds issued under the provisions of Section 212. Section 203. Details of Bonds. (a) The Series 2003 Bonds (i) shall be designated "City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003," (ii) shall be in the aggregate principal amount of $ (iii) shall be dated as of July 1, 2003, (iv) shall bear interest from such date at the rates hereinafter provided until paid, payable semiannually on April 1 and October 1 of each year, commencing October 1, 2003, (v) shall be issued in denominations of $5,000 each, or any integral multiple thereof, (vi) shall be numbered from R03-1 upwards in order of issuance • according to the records of the Trustee, and (vii) shall mature, unless sooner redeemed in the manner in this Indenture set forth, on October 1 in each of the years and in the amounts set forth in the following table, which table also sets forth the interest rates for the Series 2003 Bonds: Year (October 1) Principal Amount Interest Rate 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 0 Section 204. Form of Bonds. (a) The Series 2003 Bonds shall be initially issued as fully registered Bonds, without coupons, in the form of [twelve] typewritten bond certificates • (one for each maturity) to be delivered to the Securities Depository. Each such certificate shall be initially registered in the name of the nominee of the Securities Depository, and no Beneficial 10-47392.4 12 • Owner will receive a certificate representing his interest in the Series 2003 Bonds, except upon the occurrence of the events described in Section 215 hereof. Beneficial Owners shall be deemed to have waived any right to receive a bond certificate except under the circumstances described in Section 215. The Series 2003 Bonds and the Trustee's certificate of authentication to be endorsed thereon shall be in substantially the form set forth in Exhibit A hereto, with appropriate variations, insertions and omissions as permitted or required by this Indenture. Section 205. Payment. The Bonds shall be payable, with respect to principal, premium, if any, and interest in any coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts. The principal of and premium, if any, on the Bonds shall be payable upon surrender thereof at the principal corporate trust office of the Trustee. Payment of interest on each Bond shall be made by check or draft mailed to the registered owner of such Bond as of the applicable Record Date at his address as it appears on the registration books maintained by the Trustee. For purposes of this Indenture, interest on the Bonds shall be deemed to accrue on the basis of a 360 -day year of twelve 30 -day months. So long as the Securities Depository or its nominee is the sole registered owner of the Bonds, payment of interest thereon shall be made by wire transfer of immediately available funds by the Paying Agent to the Securities Depository or its nominee. Section 206. Execution. The Bonds shall be executed on behalf of the City by the manual or facsimile signatures of its Mayor and City Clerk and shall have impressed or imprinted thereon the seal of the City. A facsimile signature shall have the same force and effect as if manually signed. In case any officer whose manual signature or a facsimile of whose signature shall appear on the Bonds shall cease to be such officer before the delivery of such Bonds, such signature or such facsimile shall nevertheless be valid and sufficient for all purposes, the same as if such official had remained in office until delivery. Section 207. Authentication. Only such Bonds as shall have endorsed thereon a certificate of authentication substantially in the form set forth in Exhibit A attached hereto duly executed by the Trustee shall be entitled to any right or benefit under this Indenture. No Bond shall be valid and obligatory for any purpose unless and until such certificate of authentication shall have been duly executed by the Trustee, and such certificate of the Trustee upon any such Bond shall be conclusive evidence that such Bond has been authenticated and delivered under this Indenture. The Trustee's certificate of authentication on any Bond shall be deemed to have been executed if signed by an authorized officer of the Trustee, but it shall not be necessary that the same officer sign the certificate of authentication on all of the Bonds issued hereunder. Section 208. Delivery of Bonds. The City shall execute and deliver to the Trustee and the Trustee shall authenticate the Bonds of any series and deliver said Bonds to the Securities Depository as may be directed in this Section 208, in Section 212 hereof or in any Supplemental. Indenture. (a) Prior to the delivery or original issuance by the Trustee of any authenticated • Bonds of any series, there shall be delivered to the Trustee: 10-47392.4 13 (1) An original executed counterpart of this Indenture or, in the case of Additional Bonds, a Supplemental Indenture by and between the City and the Trustee setting forth the details concerning such Additional Bonds; (2) Original executed counterparts of the Continuing Disclosure Agreement and the Tax Regulatory Agreement applicable to such series of Bonds; (3) A Certificate directing the Trustee to authenticate the Bonds and containing instructions as to the delivery of the Bonds upon payment to the Trustee. for the account of the City, of a sum specified in such Certificate; (4) A copy, duly certified by the City Clerk, of the proceedings of the City authorizing the issuance of the Bonds: (5) A written opinion of Bond Counsel approving the legality of the Bonds; (6) In the case of any series of Additional Bonds, a Certificate signed by the Mayor certifying that (i) the City is hot then in default in the performance of any of the covenants, conditions, agreements or provisions contained in this Indenture, and (ii) the City is current as to all required deposits at that time in all the Funds and Accounts described in Article V of this Indenture or hereafter created by Supplemental Indentures, or if the City is in default or is not so current, certifying in the case of (i) or (ii) as to that • fact and that, upon the application of the proceeds of the sale of such Additional Bonds as provided in the Supplemental Indenture authorizing the issuance thereof, the City will not be in default or will be current thereafter; (7) In the case of any series of Additional Bonds, a written opinion of Bond Counsel to the effect that the exemption from federal income tax of the interest on the Series 2003 Bonds and any Additional Bonds theretofore issued will not be adversely affected by the issuance of the Additional Bonds then being issued; (8) A resolution of the Commission approving the issuance of the Additional Bonds; and (9) Such further documents and certificates as may be required by the Original Purchaser of such series of Bonds. (b) Simultaneously with the delivery of the Series 2003 Bonds, the Trustee shall apply the proceeds thereof as follows: (1) The amount, if any, received as accrued interest on the Series 2003 Bonds shall be deposited in the Bond Fund; (2) $ , an amount [equal to the Reserve Requirement] [sufficient to purchase the Surety Bond], shall be deposited in the Debt Service Reserve Fund; (3) An amount equal to $ shall be deposited in the Costs of 10 Issuance Fund for payment of Costs of Issuance as directed by a Certificate of the City; 10-47392.4 14 (4) An amount sufficient, together with moneys held by the Bank of Oklahoma, N.A., as trustee for the Series 1998 Bonds, in funds and accounts created by the trust indenture securing the payment of the Series 1998 Bonds, to refund the Series 1998 Bonds shall be deposited in trust with the the Bank of Oklahoma, N.A., as escrow trustee (the "1998 Escrow Trustee"). in accordance with the provisions of an Escrow Deposit Agreement to be dated as of the date of delivery of the Series 2003 Bonds (the "1998 Escrow Agreement"), by and between the City and the 1998 Escrow Trustee. The 1998 Escrow Agreement shall provide for the investment of the funds, to the extent feasible, in Government Securities which will mature and bear interest at such times and in such amounts as will, together with any uninvested moneys held by the 1998 Escrow Trustee, provide sufficient moneys to pay as due at maturity and upon redemption prior to maturity on October 1, 2003, all principal of and premium, if any, and interest on the Series 1998 Bonds. The 1998 Escrow Agreement will provide for giving notice of redemption prior to maturity of the Series 1998 Bonds, for the payment of required trustee and paying agent fees on the Series 1998 Bonds, and for release of all claims of the Series 1998 Bonds on the Trust Estate; and (5) The balance of said proceeds shall be deposited in the Bond Fund and shall serve as a credit against the deposit required to be made to the Bond Fund by the City on or before July 15, 2003 pursuant to Section 503(b) hereof . Section 209. Mutilated, Destroyed or Lost Bonds. In case any Bond issued hereunder • shall become mutilated or be destroyed or lost, the City shall, if not then prohibited by law, cause to be executed and the Trustee may authenticate and deliver a new Bond of like series, date, number, maturity and tenor in exchange and substitution for and upon cancellation of such mutilated Bond, or in lieu of and in substitution for such Bond destroyed or lost, upon the Bondholder's paying the reasonable expenses and charges of the City and the Trustee in connection therewith, and, in the case of a Bond destroyed or lost, filing by the Bondholder with the Trustee evidence satisfactory to the Trustee that such Bonds were destroyed or lost, and of the Bondholder's ownership thereof, and furnishing the City and Trustee with indemnity satisfactory to them. The Trustee is hereby authorized to authenticate any such new Bond. In the event any such Bonds shall have matured, instead of issuing a new Bond, the City may pay the same without the surrender thereof. Upon the issuance of a new Bond under this Section 209, the City may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee) connected therewith. Section 210. Registration and Transfer of Bonds. The City hereby constitutes and appoints the Trustee as Bond Registrar of the City, and as Bond Registrar the Trustee shall keep books for the registration and for the transfer of the Bonds as provided in this Indenture at the principal corporate trust office of the Trustee. The person in whose name any Bond shall be registered shall be deemed and regarded as the absolute owner thereof for all purposes and payment of or on account of the principal of and interest on any such Bond shall be made only to or upon the order of the registered owner thereof, or the owner's legal representative, and neither . the City, the Trustee nor the Bond Registrar shall be affected by any notice to the contrary, but such registration may be changed as herein provided. All such payments shall be valid and 10-47392.4 15 effectual to satisfy and discharge the liability upon such Bond to the extent of the sum or sums so paid. Bonds may be transferred on the books of registration kept by the Trustee by the registered owner in person or by the. owner's duly authorized attorney, upon surrender thereof, together with a written instrument of transfer duly executed by the registered owner or the owner's duly authorized attorney. Upon surrender for transfer of any Bond at the principal corporate office of the Trustee, the City shall execute and the Trustee shall authenticate and deliver in the name of the transferee or transferees a new Bond or Bonds of the same series and in the same aggregate principal amount and of any authorized denomination or denominations. Bonds may be exchanged at the principal corporate trust office of the Trustee for an equal aggregate principal amount of Bonds of any other authorized denomination or denominations of the same series with corresponding maturities. The City shall execute and the Trustee shall authenticate and deliver Bonds which the Bondholder making the exchange is entitled to receive, bearing numbers not contemporaneously then Outstanding. The execution by the City of any Bond of any denomination shall constitute full and due authorization of such denomination and the Trustee shall thereby be authorized to authenticate and deliver such Bond. Such transfers of registration or exchanges of Bonds shall be without charge to the Owners of such Bonds, but any taxes or other governmental charges required to be paid with respect to the same shall be paid by the Owner of the Bond requesting such transfer or exchange • as a condition precedent to the exercise of such privilege. The Trustee shall not be required to transfer or exchange any Bond during the period from and including a Record Date to the next succeeding Interest Payment Date of such Bond nor to transfer or exchange any Bond after the mailing of notice calling such Bond for redemption has been made, and prior to such redemption. If the Securities Depository or its nominee is the sole registered owner of the Bonds, transfers of ownership and exchanges shall be effected on the records of the Securities Depository and its Participants pursuant to rules and procedures established by the Securities Depository and its Participants. In such case, the Trustee shall deal with the Securities Depository as representative of the Beneficial Owners of the Bonds for purposes of exercising the rights of Bondholders hereunder, and the rights of the Beneficial Owners of such Bonds held by the Securities Depository or its nominee shall be limited to those established by law and agreements between such Beneficial Owners and the Securities Depository and its Participants. Requests, consents and directions from, and votes of, the Securities Depository or its nominee as representative shall not be deemed inconsistent if they are made with respect to different Participants or Beneficial Owners. Section 211. Cancellation. All Bonds surrendered for payment, redemption, transfer or exchange, if surrendered to the Trustee, shall be promptly cancelled by it, and, if surrendered to any person other than the Trustee, shall be delivered to the Trustee and, if not already cancelled, • shall be promptly cancelled by it. The •City may at any time deliver to the Trustee for 10-47392.4 16 cancellation any Bonds previously authenticated and delivered hereunder, which the City may have acquired in any manner whatsoever, and all Bonds so delivered shall be promptly cancelled by the Trustee. All cancelled Bonds held by the Trustee shall be disposed of as directed by the City. Whenever in this Indenture provision is made for the cancellation by the Trustee and the delivery to the City of any Bonds, the Trustee may, upon the written request of the City, in lieu of such cancellation and delivery, destroy such Bonds in the presence of any officer of the City (but only if the City shall so require), and deliver a certificate of such destruction to the City. Section 212. Additional Bonds. The City may issue from time to time one or more series of Additional Bonds for the purpose of (i) financing Project Costs in connection with the acquisition, construction and/or equipping of a Project, (ii) refunding the Series 2003 Bonds or any series of Additional Bonds, in whole or in part, or (iii) any combination thereof. Additional Bonds shall be secured equally and ratably with the Series 2003 Bonds and any other series of Additional Bonds theretofore issued and then Outstanding, except insofar as any terms or conditions of redemption or purchase established under this Indenture may afford additional benefit or security for the Bonds of any particular series and except for the security afforded by any municipal bond insurance obtained with' respect to a particular series of Bonds. Before any Additional Bonds are authenticated, there shall be delivered to the Trustee the items required for the issuance of Bonds by Section 208 hereof, plus a Certificate of the Finance & Internal Services Director of the City (in the form attached as Exhibit B hereto) certifying that, based upon necessary investigation, the Tax Receipts deposited into the Revenue Fund during the most • recent twelve (12) months were not less than (i) 125% of the maximum Annual Debt Service requirement on all then Outstanding Bonds, and Series 1995 Bonds, plus the Additional Bonds then proposed to be issued, and (ii) the amount,. if any, needed to make required deposits to the Debt Service Reserve Fund. Notwithstanding anything herein to the contrary, no Additional Bonds shall be issued unless there is no default at the time of issuance under this Indenture. Section 213. Superior Obligations Prohibited. Except to the extent permitted in Section 212 hereof for the issuance of Additional Bonds, from and after the issuance of any of the Bonds and for so long as any of the Bonds are Outstanding, the City shall not create or permit the creation of any indebtedness, or issue any bonds, notes, warrants, certificates or other obligations or evidences of indebtedness payable in any manner from the Tax Receipts or otherwise from the Trust Estate which (i) will in any way be superior to or rank on a parity with the Bonds, or (ii) will in any way be secured by a lien and charge on the Tax Receipts or on the moneys deposited in or to be deposited in the Revenue Fund, prior to or equal with the lien, pledge and charge created herein for the security of the Bonds, or (iii) will be payable prior to or equal with the payments to be made from the Tax Receipts or the Revenue Fund into the Bond Fund or Debt Service Reserve Fund, or from said Bond Fund or Debt Service Reserve Fund for the payment of the Bonds. To that end, the City hereby specifically covenants not to issue any additional bonds under the provisions of the trust indenture securing the Series 1995 Bonds. Nothing in Section 213 shall be construed as prohibiting or restricting the issuance of bonds payable from Tax Receipts so long as use of the Tax Receipts in favor of bonds issued pursuant to this Section 213 shall be made expressly subject and subordinate to the pledge and use of Tax Receipts to pay principal of and premium, if any, and interest on the Bonds and to make all • required deposits into all funds held by the Trustee pursuant to the Indenture. 10.47392.4 17 Section 214. Temporary Bonds. Until Bonds in definitive form are ready for delivery, the City may execute, and upon the request of the City, the Trustee shall authenticate and deliver, subject to the provisions, limitations and conditions set forth herein, one or more Bonds in temporary form, whether printed, typewritten. lithographed or otherwise produced. substantially in the form of the definitive Bonds, with appropriate omissions, variations and insertions, and in authorized denominations. Until exchanged for Bonds in definitive form, such Bond in temporary form shall be entitled to the lien and benefit of this Indenture. Upon the presentation and surrender of any Bond or Bonds in temporary form, the City shall, without unreasonable delay, prepare, execute and deliver to the Trustee and the Trustee shall authenticate and deliver, in exchange therefor, a Bond or Bonds in definitive form. Such exchange shall be made by the Trustee without making any charge therefor to the Owner of such Bond in temporary form. Section 215. Book -Entry Bonds; Securities Depository. The Bonds shall initially be registered to Cede & Co., the nominee for The Depository Trust Company, New York, New York (the "Securities Depository"), and no Beneficial Owner will receive certificates representing their respective interests in the Bonds, except in the event the Trustee issues replacement bonds as provided in this Section 215. It is anticipated that during the term of the Bonds, the Securities Depository will make book -entry transfers among its Participants and receive and transmit payment of principal of, premium, if any, and interest on, the Bonds to the Participants until and unless the Trustee authenticates and delivers replacement bonds to the Beneficial Owners as described in the following paragraph. • If the City or the Trustee determines (A) that the Securities Depository is unable to properly discharge its responsibilities, or (B) that the Securities Depository is no longer qualified to act as a securities depository and registered clearing agency under the Securities and Exchange Act of 1934, as amended, or (C) that the continuation of a Book -Entry System to the exclusion of any Bonds being issued to any Bondholder other than Cede & Co. is no longer in the best interests of the Beneficial Owners of the Bonds, or (2) if the Trustee receives written notice from Participants representing interests in not less than 50% of the Bonds Outstanding, as shown on the records of the Securities Depository (and certified to such effect by the Securities Depository), that the continuation of a Book -Entry System to the exclusion of any Bonds being issued to any Bondholder other than Cede & Co. is no longer in the best interests of the Beneficial Owners of the Bonds, then the Trustee shall notify the Bondholders of such determination or such notice and of the availability of certificates to Bondholders requesting the same, and the Trustee shall register in the name of and authenticate and deliver replacement bonds to the Beneficial Owners or their nominees in principal amounts representing the interest of each; provided, that in the case of a determination under (A) or (B) of this paragraph, the City or the Trustee may select a successor securities depository in accordance with the following paragraph to effect book -entry transfers. In such event, all references to the Securities Depository herein shall relate to the period of time when the Securities Depository has possession of at least one Bond. Upon the issuance of replacement bonds, all references herein to obligations imposed upon or to be performed by the Securities Depository shall be deemed to be imposed upon and performed by the Trustee, to the extent applicable with respect to such replacement bonds. If the Securities Depository resigns and the City, the Trustee or Bondholders are unable to locate a • qualified successor of the Securities Depository in accordance with the following paragraph, then 10-47392.4 18 • the Trustee shall authenticate and cause delivery of replacement bonds to Bondholders, as provided herein. The Trustee may rely conclusively on information from the Securities Depository and its Participants as to the names and addresses of the Beneficial Owners of the Bonds. The cost of printing, registration, authentication, and delivery of replacement bonds shall be paid for by the City. In the event the Securities Depository resigns, is unable to properly discharge its responsibilities, or is no longer qualified to act as a securities depository and registered clearing agency under the Securities and Exchange Act of 1934, as amended, the City may appoint a successor Securities Depository provided the Trustee receives written evidence satisfactory to the Trustee with respect to the ability of the successor Securities Depository to discharge its responsibilities. Any such successor Securities Depository shall be a securities depository which is a registered clearing agency under the Securities and Exchange Act of 1934, as amended. or other applicable statute or regulation that operates a securities depository upon reasonable and customary terms. The Trustee upon its receipt of a Bond or Bonds for cancellation shall cause the delivery of Bonds to the successor Securities Depository in appropriate denominations and form as provided herein. ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY • Section 301. Redemption of Bonds. The Bonds shall be subject to redemption prior to maturity as follows: (a) The Series 2003 Bonds are subject to redemption at the election of the City, on and after October 1, 2008, in whole or in part (in inverse order of maturities and by lot within a maturity) at any time, at a redemption price equal to the principal amount being redeemed plus accrued interest to the date of redemption. (b) The applicable series of Bonds shall be redeemed prior to maturity, in whole or in part, on any Interest Payment Date, in inverse order of maturity and by lot in such manner as the Trustee shall determine within a maturity, at a redemption price equal to 100% of the principal amount being redeemed, plus. accrued interest to the date of redemption, from Project Fund moneys in excess of the amount needed to complete the applicable Project or portion thereof being financed with the proceeds of such series of Bonds, which moneys shall be transferred to the Redemption Fund pursuant to Section 502 hereof. (c) Additional Bonds may also be made subject to optional, extraordinary and mandatory sinking fund redemption, in whole or in part, in such manner, at such times and at such prices as may be provided in the Supplemental Indenture providing for their issuance. Section 302. Notice. Notice of the call for any redemption, identifying the Bonds or portions thereof being called and the date on which they shall be presented for payment, shall be • mailed by the Trustee by first-class mail (or, so long as the Securities Depository or its nominee is the sole registered owner of the Bonds, by any other means acceptable to the Securities 10-47392.4 19 Depository, including facsimile) to the registered owner of each such Bond addressed to such registered owner at his registered address and placed in the mails not less than thirty (30) nor more than sixty (60) days prior to the date fixed for redemption; provided, however, that failure to give such notice by mailing, or any defect therein, shall not affect the validity of any proceeding for the redemption of any Bond with respect to which no such failure or defect has occurred. Any notice mailed as provided in this Section 302 shall be conclusively presumed to have been duly given, whether or not the registered owner receives the notice. Section 303. Selection of Bonds to be Redeemed. If less than all of the Bonds of like series, maturity, interest rate and otherwise identical payment terms shall be called for redemption, the particular Bonds or portions of Bonds to be redeemed shall be selected by lot by the Trustee in such manner as the Trustee in its discretion may deem fair and appropriate; provided, however, that the portion of any Bond of a denomination of larger than the minimum denomination may be redeemed in the principal amount of such minimum denomination or a multiple thereof, and that for purposes of selection and redemption, any such Bond of a denomination larger than the minimum denomination shall be considered to be that number of separate Bonds of such minimum denomination which is obtained by dividing the principal amount of such Bond by such minimum denomination. So long as the Securities Depository or its nominee is the sole registered owner of a series of Bonds, the procedures established by the Securities Depository shall control with respect to the selection of the particular Bonds of such series to be redeemed. • Section 304. Surrender of Bonds Upon Redemption. Notice having been given in the manner and under the conditions hereinabove provided, and moneys for payment of the redemption price being held by the Trustee as provided in this Indenture (i) the Bonds or portions of Bonds so called for redemption shall, on the date fixed for redemption designated in such notice, become due and payable at the redemption price provided for redemption of such Bonds, and interest on such Bonds or portions of Bonds so called for redemption shall cease to accrue, (ii) upon surrender of the Bonds or portions of Bonds so called for redemption in accordance with such notice, such Bonds or portions of Bonds shall be paid at the applicable redemption • price, (iii) such Bonds or portions of Bonds shall cease to be entitled to any lien, benefit or security under this Indenture, and (iv) the owners of said Bonds or portions of Bonds shall have no rights in respect thereof except to receive payment of the redemption price thereof. Section 305. Redemption in Part. Any Bond which is to be redeemed only in part shall be surrendered to the Trustee (with, if the City or the Trustee so requires, due endorsement by, or a written instrument of transfer in form satisfactory to the City and the Trustee duly executed by, the owner thereof or his attorney duly authorized in writing), and the appropriate officials of the City shall execute and the Trustee shall authenticate and deliver to the owner of such Bond, without service charge, a new Bond or Bonds of the same series, of any authorized denomination or denominations, having the same maturity and interest rate as requested by such owner, in aggregate principal amount equal to and in exchange for the unredeemed portion of the principal of the Bond so surrendered. CI 10-47392.4 20 • ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Section 401. Payment of Principal, Premium and Interest. The City covenants that it will promptly pay or cause to be paid the principal of and premium, if any, and interest on every Bond issued under this Indenture at the place, on the dates and in the manner provided herein and in the Bonds according to the true intent and meaning thereof. The principal, premium, if any, and interest (except interest paid from the proceeds from the sale of the Bonds and accrued interest) are payable solely from the Trust Estate which is hereby specifically pledged to the payment thereof in the manner and to the extent herein specified, and nothing in the Bonds or this Indenture should be considered as assigning or pledging any funds or assets of the City other than the Trust Estate. Anything in this Indenture to the contrary notwithstanding, it is understood that whenever the City makes any covenants involving financial commitments it pledges no funds or assets other than the Trust Estate in the manner and to the extent herein specified, but nothing herein shall be construed as prohibiting the City from using any other funds or assets. The City covenants that the Tax will not be repealed, and the rate of the Tax will not be reduced, for so long as there are any Outstanding Bonds. It is further covenanted that all necessary action will be taken, from time to time, to collect the Tax in the full amount due and to apply Tax Receipts in the manner provided in this Indenture. Section 402. Performance of Covenants. The City covenants that it will faithfully perform at all times any, and all covenants, undertakings, stipulations and provisions contained in • this Indenture, in any and every Bond executed, authenticated and delivered hereunder, and in all ordinances pertaining hereto. The City covenants that it is duly authorized under the Constitution and laws of the State of Arkansas, including particularly and without limitation, the Act, to issue the Bonds authorized hereby and to execute this Indenture and to make the pledge of the Tax Receipts and to make the covenants in the manner and to the extent herein set forth, that all action on its part for the issuance of the Bonds and the execution and delivery of this Indenture has been duly and effectively taken, and that the Bonds in the hands of the Holders and owners thereof are and will be valid and enforceable obligations of the City according to the import thereof. Section 403. Instruments of Further Assurance. At the request of the Trustee, the City shall, so far as it may be authorized by law, pass, make, do, execute, acknowledge and deliver, all and every such further resolutions, ordinances, acts, deeds, conveyances, assignments, transfers and assurances as may be necessary or desirable for the better assuring, conveying, granting, pledging, assigning and confirming of all and singular the Tax Receipts and all other moneys hereby pledged or assigned, or intended so to be, or which the City may become bound to pledge or assign. Section 404. Recordation and Filing. To the extent necessary, the City covenants that it will cause this Indenture, such security agreements, financing statements, and all supplements thereto and other instruments as may be required from time to time to be kept, to be recorded and filed in such manner and in such places as may be required by law in order to fully preserve and • 10-47392.4 21 • protect the security of the owners of the Bonds and the rights of Trustee hereunder, and to perfect the security interest created by this Indenture. Section 405. Inspection of Books. The City shall keep proper books of record and account (separate from all other records and accounts) in which complete and correct entries shall be made of its transactions relating to the Projects and the Funds and Accounts established by this Indenture. Section 406. Tax Covenants. The City covenants that it will not use or permit the use of any Bond proceeds or any other funds of the City, directly or indirectly, in any manner, and will not take or permit to be taken any other action or actions which would adversely effect the exclusion of interest on any Bond from gross income for federal income tax purposes. Without limiting the generality of the foregoing, the City further covenants that no part of the proceeds of the Bonds shall at any time be used, directly or indirectly, to acquire securities or obligations the acquisition of which would cause any of the Bonds to be an. "arbitrage bond" as defined in Sections 148(a) and (b) of the Code. The City agrees that so long as any of the Bonds remain Outstanding, it will comply with the provisions of each applicable Tax Regulatory Agreement. Section 407. Trustee's and Paying Agent's Fees and Expenses. Subject to the provisions of Section 902 hereof, the City hereby agrees and covenants to make payments for the fees, expenses and charges of the Trustee and Paying Agent, if any, as authorized and provided by this Indenture. The City is to make payments on statements rendered by the Trustee and • Paying Agent either (i) directly to the Trustee and Paying Agent or (ii) pursuant to Section 503(b) hereof. Section 408. Construction of Projects; Certification of Completion Date. The City hereby covenants to use its best efforts to acquire, construct and equip each Project being financed with proceeds of the Bonds with all reasonable dispatch and to use its best efforts to cause the acquisition, construction and equipping of such Project to be completed as soon as may be practicable, but in any case within a period not to exceed three years after the issuance of the applicable series of Bonds, delays caused by force majeure only excepted, but if for any reason such acquisition, construction and equipping is not completed within said period, there shall be no diminution or postponement of payments required hereunder to be made by the City. Promptly after each such Completion Date, the City shall submit to the Trustee the certificate of a Qualified Engineer which shall specify the Completion Date and shall state that acquisition, construction and equipping of the Project being financed with a particular series of Bond proceeds has been completed and the Project Costs have been paid, except for any Project Costs which have been incurred but are not then due and payable, or the liability for the payment of which is being contested or disputed by the City, and for the payment of which the Trustee is directed to retain specified amounts of moneys in the Project Fund. Notwithstanding the foregoing, such certificate may state that it is given without prejudice to any rights against third parties which exist at the date thereof or which may subsequently come into being. L� 10-47392.4 22 • Section 409. Encumbrances. The City covenants that it will not create or suffer to be created any lien or charge upon the Trust Estate, except in accordance with the provisions of this Indenture. Section 410. Continuing Disclosure. The City hereby covenants and agrees that it will comply with and carry out all of the provisions of each Continuing Disclosure Agreement. Notwithstanding any other provision of this Indenture to the contrary, failure of the City or the Trustee to comply with, the provisions of a Continuing Disclosure Agreement shall not be considered an Event of Default hereunder; however, the Trustee may (and at the request of the Original Purchaser of a series of Bonds or the owners of at least 25% in aggregate Outstanding principal amount of such series of Bonds, shall) or any Beneficial Owner may take such actions as may be necessary and appropriate, including seeking mandate or specific performance by court order, to cause the City or the Trustee, as the case may be, to comply with its obligations under this Section 410. Section 411. Authority of Commission. The City hereby recognizes that the Commission is the agency and instrumentality of the City designated by the Act and ordinances of the City to expend the Tax Receipts. Such authority and responsibility of the Commission is hereby confirmed and continued. ARTICLE V REVENUES AND FUNDS • Section 501. Creation of Funds and Accounts. (a) There is hereby confirmed and continued the Revenue Fund established in the trust indenture securing the Series 1995 Bonds. The Revenue Fund shall be maintained by the City as.a segregated fund. There are hereby created and established with the Trustee the following Funds and Accounts: (i) Project Fund; (ii) 'Bond Fund, and an Interest Account and a Principal Account therein; (iii) Debt Service Reserve Fund; (iv) Cost of Issuance Fund; (v) Redemption Fund; and (vi) Rebate Fund. (b) Except for the Revenue Fund, all Funds and Accounts shall be held by the Trustee, which shall hold and maintain said Funds and Accounts in trust, for the use and benefit of the Bondholders and the City, but subject to the permitted applications expressed herein. • 10-47392.4 23 • Section 502. Project Fund. (a) The Trustee shall maintain the Project Fund to the credit of which there shall be deposited the proceeds of Additional Bonds as directed in a Supplemental Indenture. (b) Moneys credited to the Project Fund shall be expended only as set forth in this Section 502. (c) Amounts in the Project Fund shall be expended and applied for the payment of Project Costs. Disbursements shall be made from the Project Fund on the basis of consecutively numbered Requisitions in the form attached hereto as Exhibit C signed by an Authorized Representative. Requisitions may be submitted to the Trustee by certified mail, first class mail or facsimile transmission. If the Trustee deems that a Requisition submitted by the City is sufficient pursuant to this Section 502, the amount requested thereunder shall be disbursed in payment of the Project Costs set forth therein, or in reimbursement of such Project Costs, within two (2) business days of the date of receipt of such Requisition by the Trustee. Each Requisition shall specify: (i) the name of the person or party to whom payment is to be made and the purpose of the payment; (ii) the amount to be paid thereunder; • (iii) that such amount has not been previously paid by the City and is justly due and owing to the person(s) named therein as a proper payment or reimbursement of a Project Cost; and (iv) that no Event of Default exists under the Indenture and that, to the knowledge of the Authorized Representative, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. (d) The Trustee shall keep full and complete records concerning and reflecting all disbursements from the Project Fund and shall file an accounting of said disbursements if and when requested by the City. The Trustee shall only make payments from the Project Fund pursuant to and in accordance with Requisitions. In making payments from the Project Fund, the Trustee may rely on any Requisitions delivered to it pursuant to this Section 502, and the Trustee shall be relieved of all liability relating to payments made in accordance with such Requisitions and any supporting certificate or certificates requested by the Trustee without physical inspection of the Project. Within ninety (90) days following completion of the Project or portion thereof being financed with a particular series of Bonds, the City shall deliver to the Trustee its Certificate stating that the Project or applicable portion thereof is complete and the Trustee shall transfer the remaining moneys in the Project Fund relating to such series of Bonds (save and except moneys needed to satisfy unpaid Project Costs) to the Redemption Fund for application to the retirement of Bonds by redemption or purchase, as provided by Section 301(b) and • Section 506 hereof. 10-47392.4 24 (e) Upon the occurrence and continuance of an Event of Default or the occurrence and continuance of an event which with notice or lapse of time or both would constitute an Event of Default, amounts on deposit in the Project Fund shall not be disbursed but shall instead be applied to the payment of Debt Service or the redemption price of the Bonds. Section 503. Revenue Fund. (a) There shall be deposited to the credit of the Revenue Fund, as and when received. all Tax Receipts. For the purposes of financial reporting by the City with respect to the Tax, "receipts" and "revenues" shall have the same meaning. (b) On or before the fifteenth day of each month, commencing July 15, 2003, and immediately following any required transfer of Tax Receipts to the bond fund and reserve fund established with respect to the Series 1995 Bonds, the City shall transfer to the Trustee from the Revenue Fund, in the following order, the amounts set forth below: FIRST: For deposit to the Interest Account of the Bond Fund, an amount equal to one -sixth (1/6) of the interest on the Outstanding Bonds due on the next Interest Payment Date (except that with respect to deposits required with respect to a series of Bonds prior to the first Interest Payment Date for such series of Bonds, the required monthly transfers shall be equal to a fraction, the numerator of which shall be 1 and the denominator of which shall be the number of transfers to be made prior to such Interest Payment Date); • SECOND: For deposit to the Principal Account of the Bond Fund, an amount equal to one -twelfth (1/12) of the next scheduled principal maturity of Outstanding Bonds (including mandatory sinking fund redemptions) (except that with respect to deposits required with respect to a series of Bonds prior to the first Principal Payment Date for such series of Bonds, the required monthly transfers shall be equal to a fraction, the numerator of which shall be 1 and the denominator of which shall be the number of transfers to be made prior to such Principal Payment Date); THIRD: For deposit to the Debt Service Reserve Fund, an amount sufficient to cure any deficiency in the Debt Service Reserve Fund; FOURTH: For deposit to the Rebate Fund, an amount sufficient to satisfy the City's obligations under Section 507 hereof; and FIFTH: For payment to the Trustee and Paying Agent, the amount, if any, necessary to pay or reimburse the Trustee and Paying Agent for fees and expenses related to the Bonds. (c) Required deposits into the Interest Account and Principal Account of the Bond Fund and the Debt Service Reserve Fund shall be reduced by investment earnings, if any, in said Funds and Accounts and, with respect to required deposits to the Interest Account of the Bond Fund only, by any accrued interest deposited to the Interest Account of the Bond Fund upon the • initial sale of a series of Bonds. In the event there shall be insufficient moneys in the Revenue 10-47392.4 25 • Fund in a particular month to make the required transfers described above, then any deficiencies shall be added to the required deposits during the next month. (d) Any moneys remaining in the Revenue Fund following the required transfers set forth above may be used for any lawful purpose as determined by the Commission. Section 504. Bond Fund. (a) There shall be deposited to the credit of the appropriate Account of the Bond Fund all moneys required to be transferred thereto pursuant to Sections 208, 503, 505, 506 and 508 of this Indenture and all other moneys received for said Fund. (b) Moneys credited to the Bond Fund shall be expended only as set forth in this Section 504. (c) (i) On each Interest Payment Date for any of the Bonds Outstanding, the Trustee shall pay out of moneys credited to the Interest Account of the Bond Fund the amounts required for the payment of interest on the Bonds due on such date, and on each redemption date, the amounts required for the payment of accrued interest on Bonds then to be redeemed or purchased unless the payment of such accrued interest shall be otherwise provided for, and such amounts shall be applied to such payments. (ii) On each principal payment or redemption date for any of the Bonds Outstanding, the Trustee shall pay out of moneys credited to the Principal Account of the • Bond Fund the amounts required for the payment of principal and premium, if any, due on the Bonds on such date and such amounts shall be applied to such payments. (iii) If there shall be insufficient moneys in the Bond Fund to pay in full interest, principal or premium, if any, due on the Bonds on any interest or principal payment or redemption date, the Trustee shall, three days prior to such date, notify the City of such deficiency, and if by one day prior to such date such deficiency has not been cured, transfer an amount equal to the deficiency into the appropriate Account of the Bond Fund from the Funds indicated in the following order: FIRST: the Redemption Fund; and SECOND: the Debt Service Reserve Fund (for payment of principal and interest on any Interest or Principal Payment Date only). (d) All payments made pursuant to this Section 504 shall be made in immediately available funds. Section 505. Cost of Issuance Fund. There shall be deposited to the credit of the Cost of Issuance Fund all moneys received for said Fund pursuant to Section 208 hereof. The Trustee shall pay those Costs of Issuance as directed by the City pursuant to a Certificate delivered on a Closing Date. After all Costs of Issuance have been paid (and in any event not later than • September 1, 2003 with respect to the Series 2003 Bonds), any remaining moneys in the Cost of 10-47392.4 26 • Issuance Fund shall be transferred to the Interest Account of the Bond Fund. The Cost of Issuance Fund is not pledged to the payment of the Bonds. Section 506. Redemption Fund. (a) There shall be deposited to the credit of the Redemption Fund all moneys required to be transferred thereto to effect an optional redemption of the Bonds pursuant to Section 301(a) hereof and all moneys transferred thereto pursuant to Section 502 of this Indenture. (b) Moneys credited to the Redemption Fund shall be expended only as set forth in this Section 506. (c) Moneys in the Redemption Fund shall be transferred to the Principal Account of the Bond Fund at such times as may be necessary to effectuate, on the first available date, redemptions of Bonds required by Section 301(a) and (b) of this Indenture. (d) The amounts accumulated in the Redemption Fund, if so directed by the City by means of a Certificate delivered to the Trustee, shall be applied by the Trustee to the purchase of Bonds of the maturities which would otherwise be redeemed pursuant to Section 301(a) and (b) and this Section 506 but for the provisions of this subsection (d), at prices directed by the City not exceeding the applicable redemption prices of the Bonds which would be redeemed but for the operation of this sentence. Interest accrued on the Bonds so purchased shall be paid from _moneys credited to the Interest Account of the Bond Fund. Section 507. Rebate Fund. (a) The Trustee shall establish and maintain, separate and apart from any other Funds and Accounts established and maintained hereunder, a Fund to be designated as the Rebate Fund, which Fund is not pledged to the payment of any Bonds. Subject to the transfer provisions provided in subsection (c) below, all moneys at any time deposited in the Rebate Fund shall be held by the Trustee in trust, to the extent required to satisfy the Rebate Amount (as defined in each Tax Regulatory Agreement), for payment to the United States of America, and neither the City nor the Owner of any Bond shall have any rights in or claim to such money. All amounts deposited into or on deposit in the Rebate Fund shall be governed by this Section 507, by Section 406, and by each Tax Regulatory Agreement (which are incorporated herein by reference). (b) As provided in Section 503(b) hereof, there shall be deposited in the Rebate Fund the amount of all income or gain on moneys, deposited in any of the Funds and Accounts established by this Indenture which is required to be rebated to the United States and is designated for deposit therein, as calculated by the City to be owing to the United States pursuant to the Tax Regulatory Agreement, which shall be delivered by the City concurrently with the issuance of a series of Bonds. (c) The Trustee, upon receipt of written instructions from the Mayor or Finance & Internal Services Director of the City, shall pay to the United States out of amounts in the Rebate Fund such amounts as are required pursuant to each Tax Regulatory Agreement. 0 10-47392.4 27 (d) Any moneys remaining in the Rebate Fund after payment to the United States, within sixty (60) days after the date on which the last Bond is redeemed, of one hundred percent (100%) of the rebate amount as described in Section 148(f)(2) of the Code, shall be transferred to the Revenue Fund. (e) The Trustee, as instructed by Certificate of the City, shall invest all amounts held in the Rebate Fund in Investment Obligations, subject to the restrictions set forth in the applicable Tax Regulatory Agreement. Money shall not be transferred from the Rebate Fund except as provided in subsection (c). (f) Notwithstanding any other provision of this Indenture, the obligation to remit the Rebate Amount to the United States and to comply with all other requirements of this Section 507, Section 406 and each Tax Regulatory Agreement shall survive the defeasance or payment in full of the Bonds. Section 508. Debt Service Reserve Fund. [REVISE IF SURETY USED] As provided in Section 208(b)(2) hereof, upon the issuance of each series of Bonds, there shall be deposited into the Debt Service Reserve Fund, from proceeds of the Bonds, an amount sufficient to cause the amounts on deposit therein to be equal to the Reserve Requirement. The Debt Service Reserve Fund shall be maintained in an amount equal to the Reserve Requirement. The Debt Service Reserve Fund shall be used solely to pay the principal of and interest on Outstanding Bonds for which there are insufficient funds available in the Bond Fund to make such payments, as the same become due at maturity (including mandatory sinking fund redemption). If the Debt Service Reserve Fund, by virtue of any such payment, is reduced below the Reserve Requirement, it shall be reimbursed in the amount of any such deficiency as provided in Section 503. Notwithstanding the above provisions of this Section 508, the amount on deposit in the Debt Service Reserve Fund may be used, together with other available funds, to provide for the payment at maturity or to redeem prior to maturity all, but not less than all, of the Outstanding Bonds. If an excess shall exist in the Debt Service Reserve Fund over and above the Reserve Requirement, such excess shall be transferred to the Interest Account of the Bond Fund. Section 509. Cessation of Fund Deposits. When the moneys in the Bond Fund, the Debt Service Reserve Fund and the Redemption Fund shall be and remain sufficient to pay in full the principal and interest on all Bonds then Outstanding in accordance with Article VII of this Indenture, together with the required fees and expenses to be paid or reimbursed to the Trustee and Paying Agent, the City shall have no further obligation to make payments into said Funds. Section 510. Separate Accounts Authorized. A Supplemental Indenture authorizing the issuance of Additional Bonds may provide for the creation of separate Accounts within the Bond Fund, Debt Service Reserve Fund, Redemption Fund, Project Fund, Costs of Issuance Fund and Rebate Fund for such series of Bonds and such other Accounts as the City may direct; provided, that the creation of such separate Accounts shall be solely for the ease of administration and shall in no event affect the equal and ratable security of the Bonds of each series. 10-47392.4 28 • If any Supplemental Indenture authorizing the issuance of Additional Bonds provides for the establishment of separate Accounts for a series of Bonds, then such Supplemental Indenture shall require that the Tax Receipts received by the City shall be deposited pursuant to written direction of the City into each of the Accounts within the Bond Fund and Debt Service Reserve Fund for each series of Bonds on the basis of the installments of principal, premium, if any, and interest due on each series of Bonds and the amounts required to be deposited in the Accounts within the Bond Fund and the Debt Service Reserve Fund during the applicable period, to the end that the Bonds of each series shall be equally and ratably secured by the Tax Receipts. Any Supplemental Indenture authorizing the issuance of Additional Bonds shall provide that any proceeds of such series of Bonds and investment earnings thereon remaining after some specified date, or after the construction of all facilities to be financed with the proceeds of such series of Bonds, shall be applied to the redemption of such series of Bonds. ARTICLE VI INVESTMENTS Section 601. Investment of Moneys. At the direction of the City or absent such direction, the Trustee shall invest moneys in Funds or Accounts held by the Trustee in Investment Obligations with maturity or redemption dates consistent with the times at which said moneys will be required for the purposes provided in this Indenture; provided, however, the • stated maturity dates of Investment Obligations of Debt Service Reserve Fund moneys shall not exceed five years from the date of investment therein. Moneys in separate Funds or Accounts may be commingled for the purpose of investment. Section 602. Investment Earnings. Subject to the provisions of the Tax Regulatory Agreement and Article V hereof, Investment Obligations purchased with moneys held in or attributable to any Fund or Account held by the Trustee under the provisions of this Indenture shall be deemed at all times to be a part of such Fund or Account. and the income or interest earned, profits realized or losses suffered by a Fund or Account due to the investment thereof shall be retained in, credited or charged, as the case may be, to such Fund or Account unless otherwise provided pursuant to this Indenture. Section 603. Valuation of Funds. Investments in any Fund or Account shall be evaluated monthly by the Trustee. The Trustee shall report the determined value of each Fund and Account to the City. For the purpose of determining the amount in any Fund or Account, the Trustee shall value all Investment Obligations credited to such Fund or Account at the price at which such Investment Obligations are redeemable by the owner thereof at its option if so redeemable, or, if not so redeemable, at the lesser of (i) the cost of such Investment Obligations minus the amortization of any premium or plus the amortization of any discount thereon and (ii) the market value of such Investment Obligations, provided that Investment Obligations credited to the Debt Service Reserve Fund, if not so redeemable, shall be valued at the cost thereof minus the amortization of any premium or plus the amortization of any discount thereon. 10-47392.4 29 • The Trustee shall sell or present for redemption any Investment Obligations as necessary in order to provide money for the purpose of making any payment required hereunder, and the Trustee shall not be liable for any loss resulting from any such sale. Section 604. Responsibility of Trustee. The Trustee shall not be responsible or liable for any loss suffered in connection with any investment of moneys made by it at the direction of the City. ARTICLE VII DISCHARGE OF LIEN Section 701. Discharge of Lien. If the City shall pay or cause to be paid to the owners of the Bonds the principal, premium, if any, and interest to become due thereon at the times and in the manner stipulated therein, and if the City shall keep, perform and observe all and singular the covenants and promises in the Bonds and in this Indenture expressed as to be kept, performed and observed by it on its part, then these presents and the estate and rights hereby granted shall cease, determine and be void, and thereupon the Trustee shall cancel and discharge the lien of this Indenture, and execute and deliver to the City such instruments in writing as shall be requisite to satisfy the lien hereof, and reconvey to the City the estate hereby conveyed, and assign and deliver to the City any property at the time subject to the lien of this Indenture which may then be in its possession, except moneys or Government Securities held by it for the • payment of the principal of and premium, if any, and interest on the Bonds. Section 702. Bonds Deemed Paid. Any Bond shall be deemed to be paid within the meaning of this Article VII when payment of the principal of and premium, if any, and interest on such Bond (whether at maturity or upon redemption as provided in this Indenture, or otherwise), either (i) shall have been made or caused to be made in accordance with the terms thereof, or (ii) shall have been provided for by irrevocably depositing with the Trustee, in trust and irrevocably set aside exclusively for such payment, (1) moneys sufficient to make such payment or (2) Government Securities (provided that such deposit will not affect the tax-exempt status of the interest on any of the Bonds or cause any of the Bonds to be classified as "arbitrage bonds" within the meaning of Section 148(a) of the Code, as reflected in an opinion of Bond Counsel delivered to the Trustee), maturing as to principal and interest in such amount and at such times as will provide sufficient moneys to make such payment, and all necessary and proper fees, compensation and expenses of the Trustee and any Paying Agent pertaining to the Bonds with respect to which such deposit is made shall have been paid or the payment thereof provided for to the satisfaction of the Trustee and any said Paying Agent. Section 703. Non -Presentment of Bonds. In the event any Bonds shall not be presented for payment when the principal thereof becomes due, either at maturity or otherwise, or at the date fixed for redemption thereof, if there shall have been deposited with the Trustee for that purpose, or left in trust if previously so deposited, funds sufficient to pay the principal thereof, and premium, if any, together with all interest unpaid and due thereon, to the due date thereof, for • the benefit of the Holder thereof, all liability of the City to the Holder thereof for the payment of the principal thereof, premium if any, and interest thereon, shall forthwith cease, determine and 10-47392.4 30 • be completely discharged, and thereupon it shall be the duty of the Trustee to hold such fund or funds, without liability for interest thereon, for the benefit of the Holder of such Bonds, who shall thereafter be restricted exclusively to such fund or funds, for any claim of whatever nature on his part under this Indenture or on, or with respect to, the Bonds. ARTICLE VIII DEFAULT PROVISIONS AND REMEDIES OF TRUSTEE AND BONDHOLDERS Section 801. Events of Default. Each of the following events shall constitute and is referred to in this Indenture as an "Event of Default": (a) Default in the due and punctual payment of any interest on any Bond; (b) Default in the due and punctual payment of the principal of or premium, if any, on any Bond, whether at the stated maturity thereof, or upon proceedings for redemption thereof, or upon the maturity thereof by declaration; (c) Default in the payment of any other amount required to be paid under this Indenture or the performance or observance of any other of the covenants, agreements or conditions contained in this Indenture, or in the Bonds issued hereunder, and continuance thereof for a period of sixty (60) days after written notice specifying such failure and • requesting that it be remedied shall have been given to the City by the Trustee, which may give such notice in its discretion and shall give such notice at the written request of Bondholders of not less than 51% in aggregate principal amount of the Bonds then Outstanding, unless the Trustee, or the Trustee and Holders of an aggregate principal amount of Bonds not less than the aggregate principal amount of Bonds the Holders of which requested such notice, as the case may be, shall agree in writing to an extension of such period prior to its expiration; provided, however, if the failure stated in the notice cannot be corrected within the applicable period, the Trustee will not unreasonably withhold its consent to an extension of such time if corrective action is instituted by the City within such period and is being diligently pursued; (d) The filing of a petition in bankruptcy by or against the City under the United States Bankruptcy Code or the commencement of a proceeding by or against the City under any other law concerning insolvency, reorganization or bankruptcy; and (e) If the State has limited or altered the rights of the City pursuant to the Act, as in force on the date of this Indenture, to fulfill the terms of any agreements made with the Trustee or the Bondholders or in any way impaired the rights and remedies of the Trustee or the Bondholders while any Bonds are Outstanding. The term "default" as used in clauses (a), (b) and (c) above shall mean default by the City in the performance or observance of any of the covenants, agreements or conditions on its part • contained in this Indenture or in the Bonds Outstanding hereunder, exclusive of any period of grace required to constitute a default an "Event of Default" as hereinabove provided. 10-47392.4 31 Section 802. Acceleration. Upon the occurrence of an Event of Default, the Trustee may, and upon the written request of the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder shall, by notice in writing delivered to the City, declare the principal of all Bonds then Outstanding, together with the interest accrued thereon, immediately due and payable, and such principal and interest shall thereupon become and be immediately due and payable. Section 803. Other Remedies; Rights of Bondholders. Upon the occurrence of an Event of Default, the Trustee may, as an alternative, pursue any available remedy by suit at law or in equity, including, without limitation, mandamus to enforce the payment of the principal of and premium, if any, and interest on the Bonds then Outstanding hereunder. If an Event of Default shall have occurred, and if it shall have been requested so to do by the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder and if it shall have been indemnified as provided in Section 901(1) hereof, the Trustee shall be obligated to exercise such one or more of the rights and powers conferred upon it by this Section 803 as the Trustee, being advised by counsel, shall deem most expedient in the interests of the Bondholders. No remedy by the terms of this Indenture conferred upon or reserved to the Trustee (or to the Bondholders) is intended to be exclusive of any other remedy, but each and every such remedy shall be cumulative and shall be in addition to any other remedy given hereunder or now • or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default or Event of Default shall impair any such right or power or shall be construed to be a waiver of any such default or Event of Default or acquiescence therein; and every such right and power may be exercised from time to time and as often as may be deemed expedient. No waiver of any default or Event of Default hereunder, whether by the Trustee or by the Bondholders, shall extend to or shall affect any subsequent default or Event of Default or shall impair any rights or remedies consequent thereon. Section 804. Right of Bondholders to Direct Proceedings. Anything in this Indenture to the contrary notwithstanding, the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder shall have the right, at any time, by an instrument or instruments in writing executed and delivered to the Trustee, to direct the method and place of conducting all proceedings to be taken in connection with the enforcement of the terms and conditions of this Indenture, or for the appointment of a receiver or any other proceeding hereunder; provided that such direction shall not be otherwise than in accordance with the provisions of law and of this Indenture. Section 805. Appointment of Receiver. Upon the occurrence of an Event of Default, and upon the filing of a suit or other commencement of judicial proceedings to enforce the rights • of the Trustee and of the Bondholders under this Indenture, the Trustee shall be entitled to the 10-47392.4 32 • appointment of a receiver or receivers of the Trust Estate and of the tolls, rents, revenues, issues, earnings, income, products and profits thereof, including, without limitation, the Tax Receipts (subject to the prior right of the trustee for the Series 1995 Bonds), pending such proceedings with such powers as the court making such appointment shall confer. Section 806. Waiver. In case of an Event of Default on its part, as aforesaid, to the extent that such rights may then lawfully be waived, neither the City nor anyone claiming through the City or under the City shall or will set up, claim or seek to take advantage of any appraisement, valuation, stay, extension or redemption laws now or thereafter in force, in order to prevent or hinder the enforcement of this Indenture, but the City, for itself and all who may claim through or under it, hereby waives, to the extent that it lawfully may do so, the benefit of all such laws and all right of appraisement and redemption to which it may be entitled under the laws of the State. Section 807. Application of Moneys. Available moneys remaining after discharge of costs, charges and liens prior to this Indenture shall be applied by the Trustee as follows: (a) Unless the principal of all the Bonds shall have become or shall have been declared due and payable, all such moneys shall be applied: First: To the payment to the Persons entitled thereto of all installments of interest then due, in the order of the maturity of the installments of • such interest, and, if the amount available shall not be sufficient to pay in full any particular installment, then to the payment ratably, according to the amounts due on such installment, to the Persons entitled thereto, without any discrimination or privilege; Second: To the payment to the Persons entitled thereto of the unpaid principal of any of the Bonds which shall have become due (other than Bonds called for redemption for the payment of which moneys are held pursuant to the • provisions of this Indenture), in the order of their due dates, with interest on such Bonds from the respective dates upon which they become due, and, if the amount available shall not be sufficient to pay in full Bonds due on any particular date, together with such interest, then to the payment ratably, according to the amount of principal due on such date, to the Persons entitled thereto without any discrimination or privilege of any Bond over any other Bond and without preference or priority of principal over interest or of interest over principal; and Third: To the payment of the interest on and the principal of the Bonds, and to the redemption of Bonds, all in accordance with the provisions of Article V of this Indenture. (b) If the principal of all the Bonds shall have become due or shall have been declared due and payable, all such moneys shall be applied first to the payment of the • interest then due and unpaid upon the Bonds, and then to the payment of the principal 10-47392.4 33 •• then due and unpaid upon the Bonds, in each case without preference or priority of any Bond over any other Bond, ratably, according to the amounts due respectively for principal and interest, to the Persons entitled thereto. (c) If the principal of all the Bonds shall have been declared due and payable, and if such declaration shall thereafter have been rescinded and annulled under the provisions of this Article VIII then, subject to the provisions of paragraph (b) of this Section 807, in the event that the principal of all the Bonds shall later become due or be declared due and payable, the moneys shall be applied in accordance with the provisions of paragraph (a) of this Section 807. Whenever moneys are to be applied by the Trustee pursuant to the provisions of this Section 807, such moneys shall be applied by it at such times, and from time to time, as it shall determine, having due regard to the amount of such moneys available for application and the likelihood of additional moneys becoming available for such application in the future. Whenever the Trustee shall apply such funds, it shall fix the date (which shall be an Interest Payment Date unless it shall deem another date more suitable) upon which such application is to be made and upon such date interest on the amounts of principal to be paid on such dates shall cease to accrue. The Trustee shall give such notice as it may deem appropriate of the deposit with it of any such moneys and of the fixing of any such date and shall not be required to make payment to the Holder of any Bond until such Bond shall be presented to the Trustee for appropriate endorsement or for cancellation if fully paid. • Section 808. Remedies Vested in Trustee. All rights of action (including the right to file proof of claim) under this Indenture or under any of the Bonds may be enforced by the Trustee without the possession of any of the Bonds or the production thereof in any trial or other proceeding relating thereto, and any such suit or proceeding instituted by the Trustee shall be brought in its name as Trustee, without the necessity of joining as plaintiffs or defendants any Bondholders hereby secured, and any recovery of judgment shall be for the equal benefit of the Holders of all Outstanding Bonds. Section 809. Rights and Remedies of Bondholders. No Bondholder shall have any right to institute any suit, action or proceeding in equity or at law for the enforcement of this Indenture or for the execution of any trust hereof or for the appointment of a receiver or any other remedy hereunder, unless a default has occurred of which the Trustee has been notified as provided in subsection (g) of Section 901, or of which by said subsection it is deemed to have notice, nor unless such default shall have become an Event of Default and the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder shall have made written request to the Trustee and shall have offered it reasonable opportunity either to proceed to exercise the powers hereinbefore granted or to institute such action, suit or proceeding in its own name, nor unless also they have offered to the Trustee indemnity as provided in subsection (I) of Section 901, nor unless the Trustee shall thereafter fail or refuse to exercise the powers hereinbefore granted, or to institute such action, suit or proceeding in its own name; and such • notification, request and offer of indemnity are hereby declared in every such case, at the option of the Trustee, to be conditions precedent to the execution of the powers and trusts of this 10-47392.4 34 • Indenture, and to any action or cause of action for the enforcement of this Indenture or for the appointment of a receiver or for any other remedy hereunder; it being understood and intended that no one or more Holders of the Bonds shall have any right in any manner whatsoever to affect, disturb or prejudice the lien of this Indenture by action of the Holder or Holders or to enforce any right hereunder except in the manner herein provided, and that all proceedings at law or in equity shall be instituted, held and maintained in the manner herein provided for the equal benefit of the Holders of all Bonds Outstanding hereunder. Nothing in this Indenture contained shall, however, affect or impair the right of any Bondholders to enforce the payment of the principal of and premium, if any, and interest on any Bonds at and after the maturity thereof, or the obligation of the City to pay the principal of and premium, if any, and interest on each of the Bonds issued hereunder to the respective Holders thereof at the time and place in said Bonds expressed. Section 810. Termination of Proceedings. In case the Trustee shall have proceeded to enforce any right under this Indenture by the appointment of a receiver or otherwise, and such proceedings shall have been discontinued or abandoned for any reason, or shall have been determined adversely to the Trustee, then and in every such case the City and the Trustee shall be restored to their former positions and rights hereunder with respect to the property herein conveyed, and all rights, remedies and powers of the Trustee shall continue as if no such proceedings had been taken, except to the extent the Trustee is legally bound by such adverse determination. • Section 811. Waivers of Events of Default. The Trustee may, and upon the written. request of the Holders of not less than 51% in principal amount of all Bonds Outstanding hereunder shall, waive any Event of Default hereunder and its consequences and rescind any declaration of maturity of principal; provided, however, there shall not be waived any Event of Default described in clause (a) or (b) of the first paragraph of Section 801 hereof, unless prior to such waiver or rescission all arrears of principal (due otherwise than by declaration) and interest, and all expenses of the Trustee and Paying Agent, shall have been paid or provided for. In case of any such waiver or rescission the City, Trustee and the Bondholders shall be restored to their former positions and rights hereunder respectively, but no such waiver or rescission shall extend to any subsequent or other default, or impair any right subsequent thereon. ARTICLE IX TRUSTEE AND PAYING AGENT Section 901. Acceptance of Trusts. The Trustee hereby accepts the trusts imposed upon it by this Indenture and agrees to perform said trusts, but only upon and subject to the following expressed terms and conditions: (a) The Trustee may execute any of the trusts or powers hereof and perform any duties required of it by or through attorneys, agents, receivers or employees, and shall be entitled to advice of counsel concerning all matters of trusts hereof and its duties hereunder, and may in all cases pay reasonable compensation to all such attorneys, agents, receivers and employees as may reasonably be employed in connection with the trusts 10-47392.4 35 • hereof. Reimbursement of such compensation paid by the Trustee is subject to the provisions of Section 902 hereof. The Trustee may act upon the opinion or advice of any attorney, surveyor, engineer or accountant selected by it in the exercise of reasonable care, or, if selected or retained by the City prior to the occurrence of a default of which the Trustee has been notified as provided in subsection (g) of this Section 901, or of which by said subsection the Trustee is deemed to have notice, approved by the Trustee in the exercise of such care. The Trustee shall not be responsible for any loss or damage resulting from an action or nonaction in accordance with any such opinion or advice. (b) The Trustee shall not be responsible for any recital herein, or in the Bonds (except in respect to the certificate of authentication of the Trustee endorsed on such Bonds), or for the validity of the execution by the City of this Indenture or of any Supplemental Indentures or instruments of further assurance, or for the sufficiency of the security for the Bonds issued hereunder or intended to be secured hereby, or for the value of the title of the property herein conveyed or otherwise as to the maintenance of the security hereof; except that in the event the Trustee enters into possession of a part or all of the property herein conveyed pursuant to any provision of this Indenture, it shall use due diligence in preserving such property; and the Trustee shall not be bound to ascertain or inquire as to the performance or observance of any covenants, conditions and agreements aforesaid as to the condition of the property herein conveyed. • (c) The Trustee may become the owner of Bonds secured hereby with the same rights which it would have if not Trustee. (d) The Trustee shall be protected in acting upon any notice, request, consent, certificate, order, affidavit, letter, telegram or other paper or document believed by it, in the exercise of reasonable care, to be genuine and correct and to have been signed or sent by the proper person or persons. Any action taken by the Trustee pursuant to this Indenture upon the request or authority or consent of the owner of any Bond secured hereby, shall be conclusive and binding upon all future owners of the same Bond and upon Bonds issued in exchange therefor or in place thereof. (e) As to the existence or nonexistence of any fact or as to the sufficiency or validity of any instrument, paper or proceeding, the Trustee shall be entitled to rely upon a Certificate of the City signed by its Authorized Representative and attested by the City Clerk as sufficient evidence of the facts therein contained and, prior to the occurrence of a default of which it has been notified as provided in subsection (g) of this Section 901, or of which by that subsection it is deemed to have notice, shall also be at liberty to accept a similar certificate to the effect that any particular dealing, transaction, or action is necessary or expedient, but may at its discretion, at the reasonable expense of the City, in every case secure such further evidence as it may think necessary or advisable but shall in no case be bound to secure the same. The Trustee may accept a certificate of the City Clerk of the City under its seal to the effect that a resolution or ordinance in the form • therein set forth has been adopted by the City as conclusive evidence that such resolution or ordinance has been duly adopted, and is in full force and effect. 10-47392.4 36 • (f) The permissive right of the Trustee to do things enumerated in this Indenture shall not be construed as a duty of the Trustee, and the Trustee shall be answerable only for its own gross negligence or willful misconduct. (g) The Trustee shall not be required to take notice or be deemed to have notice of any default hereunder (except for defaults under clause (a) or (b) of the first paragraph of Section 801 hereof as to which the Trustee shall be deemed to have notice) unless the Trustee shall be specifically notified in writing of such default by the City or by the Holders of at least 10% in aggregate principal amount of Bonds Outstanding hereunder, and all notices or other instruments required by this Indenture to be delivered to the Trustee must, in order to be effective, be delivered to the principal corporate trust office of the Trustee, and in the absence of such notice so delivered, the Trustee may conclusively assume there is no such default except as aforesaid. (h) [Reserved]. (i) At any and all reasonable times the Trustee, and its duly authorized agents, attorneys, experts, engineers, accountants and representatives, shall have the right fully to inspect any and all of the property herein conveyed, including all books, papers and records of the City pertaining to the Tax Receipts and the Bonds, and to take such memoranda from and in regard thereto as may be desired. • (j) The Trustee shall not be required to give any bond or surety in respect of the execution of the said trusts and powers or otherwise in respect of the premises. (k) Notwithstanding anything elsewhere in this Indenture contained, the Trustee shall have the right, but shall not be required, to demand, in respect of the authentication of any Bonds, the withdrawal of any cash, the release of any property, or any action whatsoever within the purview of this Indenture, any showings, certificates, opinions, appraisals or other information, or corporate action or evidence thereof, in addition to that by the terms hereof required as a condition of such action by the Trustee, deemed desirable for the purpose of establishing the right of the City to the authentication of any Bonds, the withdrawal of any cash, the release of any property, or the taking of any other action by the Trustee. (I) Before taking such action hereunder, the Trustee may require that it be furnished an indemnity bond satisfactory to it for the reimbursement to it of all expenses to which it may be put and to protect it against all liability, except liability which is adjudicated to have resulted from the gross negligence or willful misconduct of the Trustee, by reason of any action so taken by the Trustee. Section 902. Fees, Charges and Expenses of Trustee and Paying Agent. (a) Subject. to subsection (b) of this Section 902, the City shall, from moneys lawfully available therefor, pay to the Trustee and Paying Agent reasonable compensation for all services performed hereunder • and also all reasonable expenses, charges and other disbursements and those of their attorneys, agents and employees incurred in and about the administration and execution of the trusts hereby 10-47392.4 37 • created and the performance of the powers and duties hereunder and, to the extent permitted by law and from moneys lawfully available therefor, shall indemnify and save the Trustee harmless against any liabilities which it may incur in the exercise and performance of its powers and duties hereunder. With respect to the Series 2003 Bonds, the Trustee's initial authentication fee and related fees for redeeming the Series 1998 Bonds shall be $2,500 and the annual administration fee of the Trustee shall be up to, but shall not exceed, $4,500. If the City shall fail to make any payment required by this subsection (a), the Trustee may make such payment from any moneys in its possession under the provisions of this Indenture and shall be entitled to a preference therefor over any of the Bonds Outstanding hereunder. The City shall not be required to indemnify the Trustee against any liabilities which the Trustee may incur as a result of negligent or wrongful acts or omissions of the Trustee. (b) The City shall pay to the Trustee compensation for its services as described in Section 902(a), provided that such compensation, together with all expenses, charges and other disbursements of the Trustee and its attorneys, agents and employees and all reimbursements to the Trustee for all costs and other disbursements as described in Section 901(a) hereof shall not exceed $9,500 annually (not including the initial authentication fee) without the prior written approval of the City, which approval shall not be unreasonably withheld. If the Trustee wishes to consult with or retain counsel for any purpose hereunder whose anticipated fees, together with all other compensation, disbursements and reimbursements of the Trustee and its attorneys, agents and employees to be paid by the City hereunder, shall exceed $10,000 annually, then such • counsel shall have to be acceptable to the City and such fees shall have to be approved by the City as described above. Section 903. Additional Duties of Trustee. (a) In addition to the other duties of the Trustee described in this Indenture, it shall be the duty of the Trustee, on or before the tenth day of each month after the month in which the Series 2003 Bonds are delivered, to file with the City a statement setting forth in respect of the preceding. calendar month: (i) the amount withdrawn or transferred by it and the amount deposited with it on account of each Fund and Account held by it under the provisions of this Indenture; (ii) the amount on deposit with it at the end of such month to the credit of each such Fund and Account; (iii) a brief description of all obligations held by it as an investment of moneys in each such Fund and Account; (iv) the amount applied to the purchase or redemption of Bonds under the provisions of this Indenture and a description of the Bonds or portions of Bonds so purchased or redeemed; and (v) any other information that the City may reasonably request, including, but not limited to, submittal of monthly statements of activity relating to the Bonds. Such • information shall also be provided at the direction of the City to one additional designated entity. 10-47392.4 38 • All records and files pertaining to each such Fund and Account in the custody of the Trustee hereunder shall be open at all reasonable times to the inspection of the City and its agents and representatives, and the City may make copies thereof. (b) The Trustee additionally shall be responsible for the preparation and timely distribution of any and all forms and reports required by law to all Bondholders, the State and the Internal Revenue Service in connection with the payment to the Bondholders of interest on the Bonds. Section 904. Notice to Bondholders of Default. If a default occurs of which the Trustee is pursuant to the provisions of Section 901(g) deemed to have or is given notice, the Trustee shall promptly make demand upon the City and give notice to each owner of Bonds then Outstanding. Section 905. Intervention by Trustee. In any judicial proceeding to which the City is a party and which in the opinion of the Trustee and its counsel has a substantial bearing on the interests of Holders of Bonds issued hereunder, the Trustee may intervene on behalf of Bondholders and shall do so if requested in writing by the Holders of at least 51% of the aggregate principal amount of Bonds Outstanding hereunder. The rights and obligations of the Trustee under this Section 905 are subject to the approval of the court having jurisdiction in the premises. Section 906. Merger or Consolidation of Trustee. Any bank or trust company to • which the Trustee may be merged, or with which it may be consolidated, or to which it may sell or transfer its trust business and assets as a whole or substantially as a whole, or any bank or trust company resulting from any such sale, merger, consolidation or transfer to which it is a party, ipso facto, shall be and become successor trustee hereunder and vested with all of the title to the whole property or Trust Estate and all the trusts, powers, discretions, immunities, privileges and all other matters as was its predecessor, without the execution. or filing of any instrument or any further act, deed, or conveyance on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that such successor trustee shall have capital and surplus of at least $40 million: Section 907. Resignation by Trustee. The Trustee and any successor trustee may at any time resign from the trusts hereby created by giving written notice to the City and the Bondholders, and such resignation shall take effect upon the appointment of a successor trustee by the Bondholders or by the City. Such notice may be served personally or sent by registered mail (to the City) or first class mail (to the Bondholders). Section 908. Removal of Trustee. The Trustee may be removed at any time by an instrument or concurrent instruments in writing delivered to the Trustee and to the City, and signed by the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder. Section 909. Appointment of Successor Trustee. In case the Trustee hereunder shall • resign or be removed, or be dissolved, or shall be in course of dissolution or liquidation, or 10-47392.4 39 • otherwise become incapable of acting hereunder, or in case it shall be taken under the control of any public officer or officers, or of a receiver appointed by the court, a successor may be appointed by the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding hereunder, by an instrument or concurrent instruments in writing signed by such Holders, or by their attorneys in fact, duly authorized; provided, nevertheless, that in case of such vacancy the City by an instrument executed and signed by its Mayor and attested by its City Clerk under its seal, shall appoint a temporary trustee to fill such vacancy until a successor trustee shall be appointed by the Bondholders in the manner above provided. Any such temporary trustee appointed by the City shall immediately and without further act be superseded by the trustee appointed by such Bondholders. Every such temporary trustee and every such successor trustee shall be a trust company or bank in good standing, having capital and surplus of not less than $40 million. Section 910. Concerning Any Successor Trustee. Every successor or temporary trustee appointed hereunder shall execute, acknowledge and deliver to its predecessor and also to the City an instrument in writing accepting such appointment hereunder, and thereupon such successor or temporary trustee, without any further act or conveyance, shall become fully vested with all the estates, properties, rights, powers, trusts, duties and obligations of its predecessor; but such predecessor shall, nevertheless, on the written request of the City or of its successor trustee, execute and deliver an instrument transferring to such successor all the estate, properties, rights, powers and trusts of such predecessor hereunder; and every predecessor trustee shall • deliver all, securities, moneys and any other property held by it as trustee hereunder to its successor. Should any instrument in writing from the City be required by any successor trustee for more fully and certainly vesting in such successor the estates, rights, powers and duties hereby vested or intended to be vested in the predecessor trustee, any and all such instruments in writing shall, on request, be executed, acknowledged, and delivered by the City. Section 911. Reliance Upon Instruments. The resolutions, opinions, certificates and other instruments provided for in this Indenture may be accepted and relied upon by the Trustee as conclusive evidence of the facts and conclusions stated therein and shall be full warrant, protection and authority to the Trustee for its actions taken hereunder. Section 912. Appointment of Co -Trustee. The City and the Trustee shall have power toappoint, and upon the request of the Trustee the City shall for such purpose join with the Trustee in the execution of all instruments necessary or proper to appoint, another corporation or one or more Persons approved by the Trustee, either to act as co -trustee or co -trustees jointly with the Trustee of all or any of the property subject to the lien hereof, with such powers as may be provided in the instrument of appointment and to vest in such corporation or Person or Persons as such co -trustee any property, title, right or power deemed necessary or desirable. In the event that the City shall not have joined in such appointment within fifteen (15) days after the receipt by it of a request so to do, the Trustee alone shall have the power to make such appointment. Should any deed, conveyance or instrument in writing from the City be required by the co -trustee so appointed for more fully and certainly vesting in and confirming to such co- trustee such properties, rights, powers, trusts, duties and obligations, any and all such deeds, • conveyances and instruments in writing shall, on request, be executed, acknowledged and 10-47392.4 40 • delivered by the City. Every such co -trustee shall; to the extent permitted by law, be appointed subject to the following provisions and conditions, namely: (a) The Bonds shall be authenticated and delivered, and all powers, duties, obligations and rights conferred upon the Trustee in respect of the custody of all money and securities pledged or deposited hereunder, shall be exercised solely by the Trustee; and (b) The Trustee, at any time by an instrument in writing, may remove any such separate Trustee or co -trustee. Every instrument, other than this Indenture, appointing any such co -trustee shall refer to this Indenture and the conditions of this Article IX expressed, and upon the acceptance in writing by such co -trustee, the co -trustee shall be vested with the estate or property specified in such instrument, jointly with the Trustee (except insofar as local law makes it necessary for any separate trustee to act alone), subject to all the trusts, conditions and provisions of this Indenture. Any such co -trustee may at any time, by an.instrument in writing, constitute the Trustee as the co -trustee's agent or attorney -in -fact with full power and authority, to the extent authorized by law, to do all acts and things and exercise all discretion authorized or permitted by the co -trustee, for and on behalf of the co -trustee and in the co -trustee's name. In case any co -trustee shall die, become incapable of acting, resign or be removed, all the estate, properties, rights, powers, trusts, duties and obligations of said co -trustee shall vest in and be exercised by the Trustee until the • appointment of a new trustee or a successor to such co -trustee. Section 913. Designation and Succession of Paying Agent. The Trustee and any successor Trustee shall also be the Paying Agent for the Bonds. The Paying Agent shall enjoy the same protective provisions in the performance of its duties hereunder as are specified in Section 901 hereof with respect to the Trustee insofar as such provisions may be applicable. ARTICLE X SUPPLEMENTAL INDENTURES Section 1001. Supplemental Indentures Not Requiring Consent of Bondholders. The City and the Trustee may, from time to time and at any time, without the consent of or notice to the Bondholders, enter into Supplemental Indentures as follows: (a) to cure any formal defect, omission, inconsistency or ambiguity in this Indenture; (b) to grant to or confer or impose upon the Trustee for the benefit of the Bondholders any additional rights, remedies, powers, authority, security, liabilities or duties which may lawfully be granted, conferred or imposed and which are not contrary to or inconsistent with this Indenture as theretofore in effect, provided that no such additional liabilities or duties shall be imposed upon the Trustee without its consent; • 10-47392.4 41 (c) to add to the'covenants and agreements of, and limitations and restrictions upon, the City in this Indenture other covenants, agreements, limitations and restrictions to be observed by the City which are not contrary to or inconsistent with this Indenture as theretofore in effect: (d) to confirm, as further assurance, any pledge under, and the subjection to any claim, lien or pledge created or to be created by, this Indenture, of the Trust Estate or of any other moneys, securities or funds: (e) to comply with the requirements of the Trust Indenture Act of 1939, as from time to time amended; (f) to authorize the issuance and sale of one or more series of Additional Bonds; (g) to make such additions, deletions or modifications as may be necessary to assure compliance with Section 14$(f) of the Code relating to required rebate to the United States or otherwise as may be necessary to assure exemption from federal income taxation of interest on the Bonds; or (h) to modify, alter, amend or supplement this Indenture in any other respect which is not materially adverse to the Bondholders and which does not involve a change • described in clause (a), (b), (c), (d), (e) or (f) of Section 1002 hereof and which, in the judgment of the Trustee, is not to the prejudice of the Trustee. Section 1002. Supplemental Indentures Requiring Consent of Bondholders. Subject• to the terms and provisions contained in this Section 1002, and not otherwise, the Holders of not less than 2/3 in aggregate principal amount of the Bonds then Outstanding shall have the right, from time to time, anything contained in this Indenture to the contrary notwithstanding, to consent to and approve the execution by the City and the Trustee of such indenture or indentures supplemental hereto as shall be deemed necessary and desirable by the City for the purpose of modifying, altering, amending, adding to,, or rescinding, in any particular, any of the terms or provisions contained in this Indenture or in any Supplemental Indenture; provided, however, that nothing herein contained shall permit or be construed as permitting (a) an extension of the maturity (or mandatory redemption date) of the principal of or the interest on any Bond issued hereunder, or (b) a reduction in the principal amount of or redemption premium or rate of interest on any Bond issued hereunder, or (c) the creation of any lien on the Trust Estate or any part thereof, except as hereinbefore expressly permitted, or (d) a privilege or priority of any Bond or Bonds over any other Bond or Bonds, or (e) a reduction in the aggregate principal amount of the Bonds required for consent to such Supplemental Indenture, or (f) the deprivation of the Holder of any Bond then Outstanding of the lien hereby created on the Trust Estate. Nothing herein contained, however, shall be construed as making necessary the approval of Bondholders of the execution of any Supplemental Indenture as provided in Section 1001. • If, at any time the City shall request the Trustee to enter into any Supplemental Indenture for any of the purposes of this Section, the Trustee shall, at the expense of the City, cause notice 10-47392.4 42 • of the proposed execution of such Supplemental Indenture to be mailed by first class mail to each registered owner of the Bonds. Such notice shall briefly set forth the nature of the proposed Supplemental Indenture and shall state that copies thereof are on file at the principal office of the Trustee for inspection by Bondholders. The Trustee shall not, however, be subject to any liability to any Bondholder by reason of its failure to mail such notice, and any such failure shall not affect the validity of such Supplemental Indenture when consented to and approved as provided in this Section 1002. If the Holders of not less than 2/3 in aggregate principal amount of the Bonds Outstanding at the time of the execution of any such Supplemental Indenture shall have consented to and approved the execution thereof as herein provided, no Holder of any Bond shall have any right to object to any of the terms and provisions contained therein, or the operation thereof, or in any manner to question the propriety of the execution thereof, or to enjoin or restrain the Trustee or the City from executing the same or from taking any action pursuant to the provisions thereof. Section 1003. Effect of Supplemental Indentures. Upon the execution of any Supplemental Indenture entered into pursuant to Section 1001 or 1002 hereof, this Indenture shall be deemed to be modified and amended in accordance therewith. ARTICLE XI MISCELLANEOUS Section 1101. Consents, etc. of Bondholders. Any request, direction, objection or other • instrument required by this Indenture to be signed and executed by the Bondholders may be in any number of concurrent writings of similar tenor and may be signed or executed by such Bondholders in person or by agent appointed in writing. Proof of the execution of any such request, direction, objection or other instrument or of the writing appointing any such agent and of the ownership of Bonds, if made in the following manner, shall be sufficient for any of the purposes of this Indenture, and shall be conclusive in favor of the Trustee with regard to any action taken by it under such request or other instrument, namely: (a) The fact and date of the execution by any Person of any such writing may be proved by the certificate of any officer in any jurisdiction who by law has power to take acknowledgments within such jurisdiction that the Person signing such writing acknowledged before such officer the execution thereof, or by an affidavit of any witness to such execution. (b) The fact of ownership of Bonds and the amount or amounts, numbers, and other identification of such Bonds, and the date of holding the same shall be proved by the registration books of the City maintained by the Trustee, as Bond registrar. Section 1102. Notices. Except as otherwise provided in this Indenture, all notices, certificates or other communications shall be sufficiently given and shall be deemed given when mailed by registered or certified mail, postage prepaid, to the City or the Trustee. Notices, certificates or other communications shall be sent to the following addresses: 10-47392.4 43 City: City of Fayetteville City Administration Building 113 West Mountain Fayetteville, Arkansas 72701 Attention: Mayor Trustee: Bank of Oklahoma, N.A. P. O. Box 2300 Tulsa, Oklahoma 74192 Attention: Cynthia Wilkinson Either of the foregoing may, by notice given hereunder, designate any further or different addresses to which subsequent notices, certificates or other communications shall be sent. Section 1103. Limitation of Rights. With the exception of rights herein expressly conferred, nothing expressed or mentioned in or to be implied from this Indenture, or the Bonds issued hereunder, is intended or shall be construed to give to any person or company other than the parties hereto, and the Holders of the Bonds secured by this Indenture any legal or equitable rights, remedy, or claim under or in respect to this Indenture or any covenants, conditions, and provisions hereof being intended to be and being for the sole exclusive benefit of the parties hereto and the Holders of the Bonds hereby secured as herein provided. • Section 1104. Severability. If any provisions of this Indenture shall be held or deemed to be or shall, in fact, be inoperative or unenforceable as applied in any particular case in any jurisdiction or jurisdictions or in all jurisdictions or in all cases because it conflicts with any provisions or any constitution or statute or rule of public policy, or for any other reason, such circumstances shall not have the effect of rendering the provision in question inoperative or unenforceable in any other case or circumstance, or of rendering any other provision or provisions herein contained invalid, inoperative or unenforceable to any extent whatever. The invalidity of any one or more phrases, sentences, clauses or paragraphs in this Indenture contained shall not affect the remaining portions of this Indenture or any part thereof. Section 1105. Applicable Provisions of Law. This Indenture shall be considered to have been executed in the State of Arkansas and it is the intention of the parties that the substantive law of the State of Arkansas govern as to all questions of interpretation, validity and effect. Section 1106. Counterparts. This Indenture may be executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. Section 1107. Successors and Assigns. All the covenants, stipulations, provisions, agreements, rights, remedies and claims of the parties hereto in this Indenture contained shall bind and inure to the benefit of their successors and assigns. 10-47392.4 44 • Section 1108. Captions. The captions or headings in this Indenture are for convenience only and in no way define, limit or describe the scope or intent of any provisions or sections of this Indenture. Section 1109. Photocopies and Reproductions. A photocopy or other reproduction of this Indenture may be filed as a financing statement pursuant to the Uniform Commercial Code, although the signatures of the City and the Trustee in such reproduction are not original manual signatures. Section 1110. Bonds Owned by City. In determining whether Bondholders of the requisite aggregate principal amount of the Bonds have concurred in any direction, consent or waiver under this Indenture, Bonds which are owned by the City shall be disregarded and deemed not to be Outstanding for the purpose of any such determination, except that, for the purpose of determining whether the Trustee shall be protected in relying on any such direction, consent or waiver, only Bonds which the Trustee knows are so owned shall be so disregarded. Bonds so owned which have been pledged in good faith may be regarded as Outstanding if the pledgee establishes to the satisfaction of the Trustee the pledgee's right so to act with respect to such Bonds and that the pledgee is not the City. In case of a dispute as to such right, any decision by the Trustee taken upon the advice of counsel shall be full protection to the Trustee. • • 10-47392.4 45 • IN WITNESS WHEREOF, the City has caused these presents to be signed in its name and behalf by its Mayor and its corporate seal to be hereunto affixed and attested by its City Clerk, and, to evidence its acceptance of the trust hereby created, the Trustee has caused these presents to be signed in its behalf by its duly authorized officers and its corporate seal to be hereto affixed. CITY OF FAYETTEVILLE, ARKANSAS Mayor ATTEST: City Clerk (SEAL) • ATTEST: By:_ Title: (SEAL) BANK OF OKLAHOMA, N.A., as Trustee By:_ Title: [SIGNATURE PAGE TO TRUST INDENTURE] 10-47392.4 • CONSENT AND AGREEMENT TO TRUST INDENTURE The Advertising and Promotion Commission of the City of Fayetteville, Arkansas hereby consents to the execution and delivery of the foregoing Trust Indenture. ADVERTISING AND PROMOTION COMMISSION OF THE CITY OF . FAYETTEVILLE, ARKANSAS By: Title: Chairman ATTEST: City Clerk • • [CONSENT PAGE TO TRUST INDENTURE] 10.47392.4 CI CI L� EXHIBIT A TO TRUST INDENTURE Form of Series 2003 Bond Unless this certificate is presented by an authorized representative of The Depository Trust Company, a New York corporation( 'DTC"), to the City or its agent for registration of transfer, exchange or payment, and any certificate issued is registered in the name of Cede & Co. or in such other name as is requested by the authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an authorized representative of DTC), any transfer, pledge or other use hereof for value or otherwise by or to any person is wrongful inasmuch as the registered owner hereof, Cede & Co., has an interest herein. REGISTERED No. R03 - REGISTERED UNITED STATES OF AMERICA STATE OF ARKANSAS CITY OF FAYETTEVILLE, ARKANSAS HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BOND SERIES 2003 Interest Rate: _% Date of Bond: July 1, 2003 Registered Owner: CEDE & CO. Principal Amount: KNOW ALL MEN BY THESE PRESENTS: Maturity Date: October 1, 20_ S1.!]' DOLLARS That the City of Fayetteville, Arkansas, a municipality and political subdivision organized and existing by virtue of the laws of the State of Arkansas (the "City"), for value received, promises to pay to the Registered Owner shown above, or registered assigns, on the Maturity Date shown above, but solely from the source and in the manner hereinafter set forth, the Principal Amount shown above, and in like manner to pay interest on said amount from the date hereof until payment of such Principal Amount has been made or duly provided for, at the Interest Rate per annum shown above, such interest to be payable semiannually on April 1 and October 1 of each year, commencing on the April I or October 1 next succeeding the date of this bond shown above, except as the provisions hereinafter set forth with respect to redemption of this bond prior to maturity may become applicable hereto. The principal of and premium, if any, on this bond are payable in lawful money of the United States of America upon the presentation and surrender hereof at the principal corporate trust office of Bank of Oklahoma, N.A., Tulsa, Oklahoma, or its successor or successors, as trustee (the "Trustee"). So long as Cede & Co. or another nominee of DTC is the registered owner of this bond, payment of interest hereon shall be made by wire transfer of immediately available funds by the Trustee to the Registered Owner as 10-47392.4 A -I • of the fifteenth day of the calendar month preceding the calendar month in which such interest payment date shall fall (the "Record Date"). At any time thereafter, payment of interest hereon shall be made by check or draft of the Trustee to the Registered Owner as of the applicable Record Date, at the owner's address as it appears on the bond registration books of the City kept by the Trustee. This bond, designated "Hotel and Restaurant Gross Receipts Tax Refunding Bond, Series 2003", is one of a series of bonds aggregating Dollars ($ ) in principal amount (the "Series 2003 Bonds"). The Series 2003 Bonds are being issued for the purpose of refunding the City's Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"), funding a debt service reserve, and paying the costs of issuance of the Series 2003 Bonds. The Series 2003 Bonds are issued under and are secured by and entitled to the protection of a Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City and the Trustee, which Indenture is available for inspection at the principal corporate trust office of the Trustee. Reference is hereby made to the Indenture and to all indentures supplemental thereto for the provisions, among others, with respect to the nature and extent of the security, the rights, duties and obligations of the City, the Trustee and the owners of the Bonds, and the terms upon which the Bonds are issued and secured. The Series 2003 Bonds are issued pursuant to and in full compliance with the • Constitution and laws of the State of Arkansas, including particularly, the Advertising and Promotion Commission Act, codified as Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), and Ordinance No. of the City adopted 2003, which ordinance authorized the execution and delivery of the Indenture. In order to secure the repayment of the Series 2003 Bonds, the City has, in accordance with the Act, pledged all receipts from a one percent (1%) tax (the "Tax") levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon (i) the gross receipts or gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive- in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store - restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption. The pledge of the receipts of the Tax (the "Tax Receipts") is subject to the prior and senior pledge of such Tax Receipts securing payment of the City's Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995, of which $700,000 in principal amount presently remains outstanding. The Indenture provides that the City may hereafter issue Additional Bonds under certain terms and conditions contained in the Indenture and, if issued or incurred, such Additional Bonds 10-47392.4 A-2 • will rank on a parity of security with the Series 2003 Bonds and be equally and ratably secured by and entitled to the protection of the Indenture. The Series 2003 Bonds are not general obligations of the City, but are special obligations secured by an irrevocable pledge of and lien on the Tax Receipts, as more particularly described in the Indenture. In no event shall the Series 2003 Bonds constitute an indebtedness of the City within the meaning of any constitutional or statutory limitation. The holder of this Series 2003 Bond shall have no right to enforce the provisions of the Indenture or to institute action to enforce the covenants therein, or to take any action with respect to any event of default under the Indenture, or to institute, appear in or defend any suit or other proceeding with respect thereto, except as provided in the Indenture. In certain events, on the conditions, in the manner and with the effect set forth in the Indenture, the principal of all the Series 2003 Bonds and Additional Bonds, if any, issued under the Indenture and then outstanding may be declared and may become due and payable before the stated maturity thereof, together with accrued interest thereon. Modifications or alterations of the Indenture, or of any indenture supplemental thereto, may be made only to the extent and in the circumstances permitted by the Indenture. The Series 2003 Bonds are subject to redemption at the election of the City, on and after October 1, 2008, in whole or in part (in inverse order of maturities and by lot within a maturity) at any time, at a redemption price equal to the principal amount being redeemed plus accrued • interest to the date of redemption. Notwithstanding the foregoing, so long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, the particular Series 2003 Bonds or portions thereof to be redeemed in part within a maturity shall be selected by lot by DTC in such manner as DTC shall determine. In selecting Series 2003 Bonds for redemption prior to maturity, in the case any outstanding Series 2003 Bond is in a denomination greater than $5,000, each $5,000 of face value of such Series 2003 Bond shall be treated as a separate Series 2003 Bond of the denomination of $5,000. In the event any of the Series 2003 Bonds or portions thereof (which shall be $5,000 or any integral multiple thereof) are called for redemption, notice thereof shall be given by the Trustee by first class mail to the registered owner of each such Series 2003 Bond addressed to such registered owner at his registered address and placed in the mails not less than thirty (30) nor more than sixty (60) days prior to the date fixed for redemption; provided, however, that failure to give such notice by mailing, or any defect therein, shall not affect the validity of the proceedings for the redemption of any Series 2003 Bond with respect to which no such failure or defect has occurred. Each notice shall identify the Series 2003 Bonds or portions thereof being called, and the date on which they shall be presented for payment. After the date specified in such call notice, the Series 2003 Bond or Bonds so called for redemption will cease to bear interest provided funds sufficient for their redemption have been deposited with the Trustee, and, except for the purpose of payment, shall no longer be protected by the Indenture and shall not be • deemed to be outstanding under the provisions of the Indenture. 10-47392.4 A-3 • This Series 2003 Bond may be transferred on the books of registration kept by the Trustee by the registered owner or by his duly authorized attorney upon surrender hereof, together with a written instrument of transfer duly executed by the registered owner or his duly authorized attorney. The Series 2003 Bonds are issuable as registered bonds without coupons in denominations of $5,000 and any integral multiple thereof. Subject to the limitations and upon payment of the charges provided in the Indenture, Series 2003 Bonds may be exchanged for a like aggregate principal amount of Series 2003 Bonds of other authorized denominations. No recourse shall be had for the payment of the principal of or premium, if any, or interest on any of the Series 2003 Bonds or for any claim based thereon or upon any obligation, covenant or agreement contained in the Series 2003 Bonds or the Indenture against any past, present or future alderman, officer or employee of the City, or any successor, as such, either directly or through the City or any successor of the City, under any rule of law or equity, statute or constitution or by the enforcement of any assessment or penalty or otherwise, and all such liability of any such alderman, officer or employee as such is hereby expressly waived and released as a condition of and consideration fbr the issuance of any of the Series 2003 Bonds. This Series 2003 Bond is issued with the intent that the laws of the State of Arkansas will govern its construction. [The Series 2003 Bonds have been designated by the City as "qualified tax-exempt obligations" within the meaning of Section 265(b)(3) of the Internal Revenue Code of 1986, as amended.] IT IS HEREBY CERTIFIED, RECITED AND DECLARED that all acts, conditions and things required to exist, happen and be performed precedent to and in the issuance of the Series 2003 Bonds do exist, have happened and have been performed in due time, form and manner as required by law; that the indebtedness represented by the Series 2003 Bonds, together with all obligations of the City, does not exceed any constitutional or statutory limitation; and that the revenues pledged to the payment of the principal of and premium, if any, and interest on the Series 2003 Bonds as the same become due and payable will be sufficient in amount for that purpose. This Series 2003 Bond shall not be valid or become obligatory for any purpose or be entitled to any security or benefit under the Indenture until the Certificate of Authentication hereon shall have been signed by the Trustee. 10-47392.4 A-4 • IN WITNESS WHEREOF, the City of Fayetteville, Arkansas has caused this Series 2003 Bond to be executed by its Mayor and City Clerk, thereunto duly authorized (by their manual or facsimile signatures), and its corporate seal to be affixed or imprinted hereon, all as of the date hereof shown above. CITY OF FAYETTEVILLE, ARKANSAS By: Mayor ATTEST: By: City Clerk (SEAL) • C (Form of Trustee's Certificate) TRUSTEE'S CERTIFICATE OF AUTHENTICATION This bond is one of the Series 2003 Bonds of the issue described in and issued under the provisions of the within mentioned Indenture. Attached hereto is the complete text of the opinion of Kutak Rock LLP, a signed original of which is on file with the undersigned, delivered and dated the date of the original delivery of and payment for the Series 2003 Bonds. BANK OF OKLAHOMA, N.A., as Trustee By: Authorized Signature 10-47392.4 A-5 • (Form of Assignment) ASSIGNMENT FOR VALUE RECEIVED, , hereby sells, assigns, and transfers unto , the within Bond and all rights thereunder, and hereby irrevocably constitutes and appoints as attorney to transfer the within Bond on the books kept for registration thereof with full power of substitution in the premises. DATE: _________,20_ Transferor GUARANTEED BY: • NOTICE: Signature(s) must be guaranteed by an institution satisfactory to the Trustee or other transfer agent. 10-47392.4 A-6 • EXHIBIT B TO TRUST INDENTURE COVERAGE CERTIFICATE City of Fayetteville, Arkansas Series 2003 Hotel and Restaurant Gross Receipts Tax Refunding Bonds Date: TO: Bank of Oklahoma, N.A., as Trustee This certificate is provided pursuant to the provisions of Section 212 of the Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City of Fayetteville, Arkansas (the "City") and you, as trustee, in connection with the proposed issuance of Additional Bonds. In connection with such issuance, the undersigned certifies as follows: (a) Tax Receipts deposited into Revenue Fund for preceding twelve (12) months: $ . (b) Maximum Annual Debt Service on all Outstanding Bonds and Series 1995 Bonds, plus the proposed Additional Bonds: $ (c) (a) divided by (b) _ % (which is greater than 125%) The undersigned hereby certifies that he is authorized to deliver this Certificate on behalf of the City. No Event of Default exists under the Indenture and, to the knowledge of the undersigned, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Indenture. CITY OF FAYETTEVILLE, ARKANSAS Finance & Internal Services Director 10-47392.4 B-1 EXHIBIT C TO TRUST INDENTURE FORM OF REQUISITION City of Fayetteville, Arkansas Series Hotel and Restaurant Gross Receipts Tax Bonds Date: Requisition No.:. TO: Bank of Oklahoma, N.A., as Trustee Pursuant to the provisions of Section 502 of the Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City of Fayetteville, Arkansas (the "City") and you, as trustee, you are authorized to make the following described payment directly to the Payee named below from the Project Fund: Name and Address of Payee: • Amount of Payment: General Classification of the Expenditures: The undersigned hereby certifies that he is authorized to deliver this Requisition on behalf of the City. The amount requested hereunder has not been the basis for any previous Requisition by the City and is justly due and owing to the person(s) named herein as a proper payment or reimbursement of a Project Cost. No Event of Default exists under the Indenture and, to the knowledge of the undersigned, no event has occurred and continues which with notice or lapse of time or both would constitute an Event of Default under the Indenture. CITY OF FAYETTEVILLE, ARKANSAS • By: Authorized Representative 10-47392.4 C-1 KUTAK ROCK LLP DRAFT 5/07/03 • BOND PURCHASE AGREEMENT , 2003 City of Fayetteville City Administration Building 113 West Mountain Fayetteville, Arkansas 72701 S City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Ladies and Gentlemen: On the basis of the representations, warranties and agreements and upon the terms and conditions contained herein, the undersigned, Stephens Inc. (the "Underwriter"), hereby offers to enter into this Bond Purchase Agreement (this "Bond Purchase Agreement") with the City of Fayetteville, Arkansas (the "City") which, upon your acceptance of this offer, will be binding upon you and upon the Underwriter. Terms not otherwise defined herein shall have the same meanings as set forth in the Indenture defined and described below. • This offer is made subject to your acceptance of this Bond Purchase Agreement on or before midnight on , 2003. 1. General. Upon the terms and conditions and in reliance upon the respective representations, warranties and covenants herein, the Underwriter hereby agrees to purchase from the City, and the City hereby agrees to sell to the Underwriter, all (but not less than all) of $ City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Bonds"), at the purchase price (the "Purchase Price") of $ (equal to the par amount of the Bonds less an underwriter's discount of $ ), plus accrued interest, if any, from July 1, 2003, to the Closing Date (hereinafter defined). The Bonds shall be issued by the City pursuant to the provisions of the laws of the State of Arkansas, including, particularly, the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (the "Act"). The Bonds will constitute special and limited obligations of the City, secured solely by and payable solely from (1) a pledge of and lien on the receipts from a one percent (1.00%) gross receipts tax (the "Tax") authorized under the Act and levied by the City pursuant to Ordinance No. 2310 of the City adopted on March 1, 1977, as subsequently amended (the "Levying Ordinance"), and (2) moneys on deposit in the Bond Fund and the Debt Service Reserve Fund established by a Trust Indenture to be dated as of July 1, 2003 (the "Indenture"), by and between • the City and Bank of Oklahoma, N.A., Tulsa, Oklahoma, as trustee (the "Trustee"), all as more 10-47965.2 • particularly described in the Indenture. The Tax is levied upon (i) the gross receipts or gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption. The pledge of the receipts of the Tax (the "Tax Receipts") securing the Bonds is made on a junior and subordinate basis to the prior pledge of the Tax Receipts securing the City's outstanding Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995 (the "Series 1995 Bonds"). The Bonds shall be issued and secured pursuant to Ordinance No. _ of the City Council of the City which was adopted on , 2003 (the "Authorizing Ordinance"), and pursuant to the Indenture. The Bonds shall have the maturities and interest rates as set forth in Exhibit A hereto. The Bonds shall be subject to redemption as set forth in the Indenture and in the Official Statement (hereinafter defined). The proceeds of the Bonds will be utilized to finance (i) a portion of the costs of refunding the City's outstanding Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"), (ii) the creation of a debt service reserve for the Bonds, [(iii) the payment of the premium for a policy of municipal bond insurance to be issued by and (iv)] the payment of the costs of issuance of the Bonds. A portion of the proceeds of the Bonds will be deposited with the Bank of Oklahoma, • N.A., Tulsa, Oklahoma, as escrow trustee (the "Escrow Trustee"), pursuant to the terms of an Escrow Deposit Agreement to be dated as of the date of delivery of the Bonds (the "Escrow Agreement"), by and between the City and the Escrow Trustee, and said proceeds will be utilized by the Escrow Trustee (along with other available moneys) to redeem the Series 1998 Bonds on October 1, 2003. The City will undertake, pursuant to a Continuing Disclosure Agreement to be dated as of the date of delivery of the Bonds (the "Continuing Disclosure Agreement"), to provide certain annual financial and operating information and notices of the occurrence of certain events, if material, as required by Section (b)(5)(i) of Rule 15c2-12 under the Securities Exchange Act of 1934, as amended (the "Rule"). A description of this undertaking is set forth in the Preliminary Official Statement and will also be set forth in the Official Statement (each hereinafter defined). The City is not in default with respect to any of its obligations under previous undertakings pursuant to the Rule. In order to ensure compliance with the provisions of the Internal Revenue Code of 1986, as amended (the "Code"), the City will enter into a Tax Regulatory Agreement dated as of the date of delivery of the Bonds (the "Tax Regulatory Agreement"). 2. Bona Fide Public Offering. The Underwriter agrees to make a bona fide public offering of all of the Bonds at the offering prices set forth on the cover of the final Official Statement described below. 2 10-07965.2 • 3. Delivery of Official Statement. (a) The City has previously provided the Underwriter with copies of its Preliminary Official Statement, including the cover page and the appendix thereto, dated , 2003, relating to the Bonds (the "Preliminary Official Statement"). As of its date, the Preliminary Official Statement is "deemed final' by the City for purposes of SEC Rule 15c2 -12(b)(1). The Preliminary Official Statement, as amended to conform to the terms of this Bond Purchase Agreement, including Exhibit A hereto, and with such other changes and amendments as are mutually agreed to by the City and the Underwriter, is herein referred to as the "Official Statement." (b) The City agrees to deliver to the Underwriter, at such address as the Underwriter shall specify, as many copies of the final Official Statement dated 2003, relating to the Bonds as the Underwriter shall reasonably request as necessary to comply with paragraph (b)(4) of the Rule (as defined above) and with Rule G-32 and all other applicable rules of the Municipal Securities Rulemaking Board. The City agrees to deliver such final Official Statement within seven (7) business days after the execution hereof. (c) The City hereby authorizes and approves the Preliminary Official Statement and the final Official Statement, consents to their distribution and use by the Underwriter and authorizes the execution of the final Official Statement by a duly authorized officer of the City. • (d) The Underwriter shall give notice to the City on the date after which no participating underwriter, as such term is defined in the Rule, remains obligated to deliver final Official Statements pursuant to paragraph (b)(4) of the Rule. 4. City's Representation and Warranties. The City represents and warrants to the Underwriter that: (a) The City is a duly organized and existing political subdivision under the Constitution and laws of the State of Arkansas (the "State"). The City is authorized by the provisions of the Act to issue the Bonds for the purpose of financing the costs of refunding the Series 1998 Bonds. (b) The City has the full legal right, power and authority (i) to adopt the Levying Ordinance levying the Tax, (ii) to adopt the Authorizing Ordinance authorizing the issuance of and sale of the Bonds, (iii) to enter into this Bond Purchase Agreement, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (iv) to levy the Tax, (v) to issue, sell and deliver the Bonds to the Underwriter as provided herein, (vi) to pledge irrevocably the Tax Receipts to the payment of the principal of, premium, if any, and interest on the Bonds, and (vii) to carry out and consummate all other transactions contemplated by each of the aforesaid documents, and the City has complied with all provisions of applicable law, including the Act, in all matters relating to such transactions. • 3 10-07965.2 • (c) The City has duly authorized all actions necessary under the Act or otherwise to be taken by it or on its behalf for (i) the pledge of the Tax Receipts as set forth in the Indenture and as described in the Official Statement, (ii) the execution and delivery of the Bonds and the execution, delivery and due performance of this Bond Purchase Agreement, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (iii) the distribution and use of the Preliminary Official Statement and the execution, delivery and distribution of the final Official Statement, and (iv) the taking of any and all such actions as may be required on the part of the City to carry out, give effect to and consummate the transactions contemplated by such instruments. All consents or approvals necessary to be obtained by the City in connection with the foregoing have been received, and the consents or approvals so received remain still in full force and effect. (d) The Levying Ordinance and the Authorizing Ordinance have been duly adopted by governing body of the City, are each in full force and effect and each constitutes the legal, valid and binding act of the City; and this Bond Purchase Agreement, the Indenture, the escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, when executed and delivered, will constitute legal, valid and binding obligations of the City, and this Bond Purchase Agreement, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement are enforceable against the City in accordance with their respective terms, except as enforceability thereof may be limited by bankruptcy, • insolvency or other laws affecting creditors' rights generally. (e) When delivered to or at the direction of the Underwriter, the Bonds will have been duly authorized, executed, authenticated, issued and delivered and will constitute legal, valid and binding obligations of the City in conformity with the laws of the State of Arkansas, including the Act, and will be entitled to the benefit and security of the Authorizing Ordinance and the Indenture. (f) The City has duly approved and authorized the distribution and use of the Preliminary Official Statement and the execution, delivery and distribution of the Official Statement. (g) The information contained in the Preliminary Official Statement is, and as of the Closing Date such information in the final Official Statement will be, true and correct in all material respects, and the Preliminary Official Statement does not and the final Official Statement will not contain any untrue or misleading statement of a material fact or omit to state any material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading. (h) If, at any time prior to the earlier of (i) receipt of notice from the Underwriter pursuant to Section 3(d) hereof that Official Statements are no longer required to be delivered under the Rule or (ii) 25 days after the Closing Date, any event occurs as a result of which the Official Statement, as then amended or supplemented, • might include an untrue statement of a material fact, or omit to state any material fact necessary to make the statements therein, in light of the circumstances under which they 4 10-47965.2 • were made, not misleading, the City shall promptly notify the Underwriter in writing of such event. Any information supplied by the City for inclusion in any amendments or supplements to the Official Statement will not contain any untrue or misleading statement of a material fact or omit to state any material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading. Upon the request of the Underwriter therefor, the City shall prepare and deliver to the Underwriter, at the City's expense, as many copies of an amendment or supplement to the Official Statement which will correct any untrue statement or omission therein as the Underwriter may reasonably request. (i) Neither the adoption of the Authorizing Ordinance or the Levying Ordinance, the execution and delivery of this Bond Purchase Agreement, the Bonds, the Indenture, the Escrow Agreement. the Continuing Disclosure Agreement or the Tax Regulatory Agreement, nor the consummation of the transactions contemplated herein or therein or the compliance with the provisions hereof or thereof will conflict with, or constitute on the part of the City a violation of, or a breach of or default under, (i) any statute, indenture, mortgage, commitment, note or other agreement or instrument to which the City is a party or by which it is bound, (ii) any provision of the Constitution of the State of Arkansas, or (iii) any, existing law, rule, regulation, ordinance, judgment, order or decree to which the City (or the members of its City Council or any of its officers in their respective capacities as such) is subject. All consents, approvals, authorizations and orders of governmental or regulatory authorities, if any, which are • required for the City's execution and delivery of, consummation of the transactions contemplated by, and compliance with the provisions of this Bond Purchase Agreement, the Authorizing Ordinance, the Levying Ordinance, the Bonds, the Escrow Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement have been obtained. 0j) Except as is specifically disclosed in the Official Statement, there is no action, suit, proceeding, inquiry or investigation, at law or in equity, before or by any -court, public board or body, pending or, to the best knowledge of the City, threatened, which in any way questions the powers of the City referred to in subparagraph 4(b) above, or the validity of any proceeding taken by the City in connection with the issuance of the Bonds, the levy of the Tax or the pledge of the Tax Receipts, or wherein an unfavorable decision, ruling or finding could materially adversely affect the transactions contemplated by this Bond Purchase Agreement, or of any other document or instrument required or contemplated by the Bond financing, or which, in any way, could adversely affect the validity or enforceability of the Authorizing Ordinance, the Levying Ordinance, the Bonds, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement or this Bond Purchase Agreement or, to the knowledge of the City, which in any way questions the exclusion from gross income of the recipients thereof of the interest on the Bonds for federal income tax purposes or in any other way questions the status of the Bonds under federal or State of Arkansas tax laws or regulations. • 5 10-47965.2 • (k) Any certificate signed by any official of the City and delivered to the Underwriter shall be deemed a representation and warranty by the City to the Underwriter as to the truth of the statements therein contained. (1) The City has not been notified of any listing or proposed listing by the Internal Revenue Service to the effect that it is a bond issuer whose arbitrage certifications may not be relied upon. (m) The collection history with respect to the Tax Receipts as set forth in the Preliminary Official Statement under the caption entitled "SECURITY FOR THE BONDS" is fair, accurate and complete. (n) The City will not knowingly take or omit to take any action, which action or omission will in any way cause the proceeds from the sale of the Bonds to be applied in a manner other than as provided in the Indenture, or which would cause the interest on the Bonds to be includable in gross income for federal income tax purposes. 5. City's Covenants. The City covenants with the Underwriter as follows: (a) The City will cooperate with the Underwriter in qualifying the Bonds for offer and sale under the securities or Blue Sky laws of such jurisdictions of the United States as the Underwriter may request; provided, however, that the City shall not be required to consent to suit or to service of process in any jurisdiction. The City • consents to the use by the Underwriter in the course of its compliance with the securities or Blue Sky laws of the various jurisdictions of the documents relating to the Bonds, subject to the right of the City to withdraw such consent for cause by written notice to the Underwriter. (b) Prior to the earlier of (i) receipt of notice from the Underwriter pursuant to Section 3(d) hereof that final Official Statements are no longer required under the Rule or (ii) 25 days after the Closing Date, the City shall provide the Underwriter with such information regarding the City, the Tax Receipts, and the current financial condition and ongoing operations of the City, all as the Underwriter may reasonably request. 6. Closing. At 10:00 a.m. Little Rock time on , 2003, or at such other time and/or date as shall have been mutually agreed upon by the City and the Underwriter (the "Closing Date"), the City will deliver the Bonds, or cause the Bonds to be delivered, to or. at the direction of the Underwriter, said Bonds to be in definitive form duly executed by the City and authenticated by the Bank of Oklahoma, N.A., Tulsa, Oklahoma, as trustee (the "Trustee"), together with the other documents hereinafter mentioned; and the Underwriter will accept such delivery and pay the Purchase Price of the Bonds by making a wire transfer of federal funds payable to the order of the Trustee for the account of the City. The Bonds shall be delivered to The Depository Trust Company in New York, New York, and the activities relating to the final execution and delivery of the Authorizing • Ordinance, the Levying Ordinance, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement and the other documents related to the Bonds and the payment for the Bonds and the delivery of the certificates, opinions and other 6 10-17965.2 • instruments as described in Section 8 of this Bond Purchase Agreement shall occur in the offices of Kutak Rock LLP, '.25 West Capitol Avenue, Suite 1100, Little Rock, Arkansas ("Bond Counsel") or at such other place as shall have been mutually agreed upon between the City and the Underwriter. The payment for the Bonds and simultaneous delivery of the Bonds to or at the direction of the Underwriter is herein referred to as the "Closing." 7. Underwriter's Right to Cancel. The Underwriter shall have the right to cancel its obligation to purchase the Bonds hereunder by notifying the City in writing or by telegram of its election to do so between the date hereof and the Closing, if at any time hereafter and prior to the Closing: (i) the House of Representatives or the Senate of the Congress of the United States, or a committee of either, shall have pending before it, or shall have passed or recommended favorably, legislation introduced previous to the date hereof, which legislation, if enacted in its form as introduced or as amended, would have the purpose or effect of imposing federal income taxation upon revenues or other income of the general character to be derived by the City or by any similar body under the Authorizing Ordinance or the Indenture or similar documents or upon interest received on obligations of the general character of the Bonds or the Bonds, or of causing interest on obligations of the general character of the Bonds, or the Bonds, to be includable in gross income for purposes of federal income taxation, and such legislation, in the Underwriter's opinion, materially adversely affects the market price of the Bonds; or • (ii) a tentative decision with respect to legislation shall be reached by a committee of the House of Representatives or the Senate of the Congress of the United States, or legislation shall be favorably reported or rereported by such a committee or be introduced, by amendment or otherwise, in or be.passed by the House of Representatives or the Senate, or recommended to the Congress of the United States for passage by the President of the United States, or be enacted or a decision by a federal court of the United States or the United States Tax Court shall have been rendered, or a ruling, release, order, regulation or official statement by or on behalf of the United States Treasury Department, the Internal Revenue Service or other governmental agency shall have been made or proposed to be made having the purpose or effect, or any other action or event shall have occurred which has the purpose or effect, directly or indirectly, of adversely affecting the federal income tax consequences of owning the Bonds or of any of the transactions contemplated in connection herewith, including causing interest on the Bonds to be included in gross income for purposes of federal income taxation, or imposing federal income taxation upon revenues or other income of the general character to be derived by the City or by any similar body under the Authorizing Ordinance or the Indenture or similar documents or upon interest received on obligations of the general character of the Bonds, or the Bonds which, in the opinion of the Underwriter, materially adversely affects the market price of or market for the Bonds; or (iii) legislation shall have been enacted, or actively considered for enactment with an effective date prior to the Closing, or a decision by a court of the United States shall • have been rendered, the effect of which is that the Bonds, including any underlying obligations, or the Indenture, as the case may be, is not exempt from the registration, 7 10-17965.2 • qualification or other requirements of the Securities Exchange Act of 1933, as amended and as then in effect, the Securities Exchange Act of 1934, as amended and as then in effect, or the Trust Indenture Act of 1939, as amended and as then in effect; or (iv) a stop order, ruling, regulation or official statement by the Securities and Exchange Commission or any other governmental agency having jurisdiction of the subject matter shall have been issued or made or any other event occurs, the effect of which is that the issuance, offering or sale of the Bonds, including any underlying obligations, or the execution and delivery of the Indenture as contemplated hereby or by the Official Statement, is or would be in violation of any provision of the federal securities laws, including the Securities Act of 1933, as amended and as then in effect, the Securities Exchange Act of 1934, as amended and as then in effect, or the Trust Indenture Act of 1939, as amended and as then in effect; or (v) any event shall have occurred or any information shall have become known to the Underwriter which causes the Underwriter to reasonably believe that the Official Statement as then amended or supplemented includes an untrue statement of a material fact, or omits to state any material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; or (vi) there shall have occurred any outbreak of hostilities or any national or international calamity or crisis, including a financial crisis, the effect of which on the financial markets of the United States is such as, in the reasonable judgment of the Underwriter, would materially adversely affect the market for or market price of the Bonds; or (vii) there shall be in force a general suspension of trading on the New York Stock Exchange, the effect of which on the financial markets of the United States is such as, in the reasonable judgment of the Underwriter, would materially adversely affect the market for or market price of the Bonds; or (viii) a general banking moratorium shall have been declared by federal, New York or State authorities; or (ix) any proceeding shall be pending or threatened by the Securities and Exchange Commission against the City; or (x) additional material restrictions not in force as of the date hereof shall have been imposed upon trading in securities generally by any governmental authority or by any national securities exchange; or (xi) the New York Stock Exchange or other national securities exchange, or any governmental authority, shall impose, as to the Bonds or obligations of the general character of the Bonds, any material restrictions not now in force, or increase materially those now in force, with respect to the extension of credit by, or the charge to the net capital requirements • of the Underwriter. 10-47965.2 3. Conditions to Underwriter's Obligations. The obligation of the Underwriter to purchase the Bonds shall be subject (a) to the performance by the City of its obligations to be performed hereunder at and prior to the Closing, (b) to the accuracy of the representations and warranties of the City herein as of the date hereof and as of the time of the Closing, and (c) to the following conditions, including the delivery by the City of such documents as are enumerated herein in form and substance satisfactory to the Underwriter: (a) The Bonds shall have been duly authorized, executed and delivered in the form approved by the City in the Indenture with only such changes therein as the Underwriter and the City shall mutually agree upon, which shall in all instances be as described in the final Official Statement; (b) At the time of Closing, (i) the Official Statement, this Bond Purchase Agreement, the Indenture, the Escrow Agreement, the Authorizing Ordinance, the Levying Ordinance, the Continuing Disclosure Agreement and the Tax Regulatory Agreement shall be in full force and effect and shall not have been amended, modified or supplemented from the date hereof, except as may have been agreed to in writing by the Underwriter, (ii) the proceeds of the sale of the Bonds and other funds shall be deposited and applied as described in the Indenture, (iii) no default or event of default under the Indenture shall have occurred and be continuing, and (iv) no material adverse change affecting the City, the Tax -or the Tax Receipts shall have occurred; • (c) Receipt of fully executed originals of the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement at or prior to the Closing; (d) At or prior to the Closing, the Underwriter shall receive the following documents in such number of counterparts as shall be mutually agreeable to the Underwriter and Bond Counsel: (1) A final approving opinion of Bond Counsel, dated the Closing Date, in substantially the form set forth in Exhibit B hereto; (2) A supplemental opinion of Bond Counsel, addressed to the City, the Trustee and the Undenvriter and dated the Closing Date, in substantially the form set forth in Exhibit C hereto; (3) The Official Statement executed by a duly authorized officer of the City; (4) Certified copies of the Authorizing Ordinance and the Levying Ordinance and all other ordinances and resolutions of the City relating to the Bonds and the Tax; (5) Photocopies of the Bonds as executed and delivered; • (6) A letter from Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies, Inc., to the effect that the Bonds have been 9 10-47965.2 • assigned a rating of no less than "", which rating shall be in effect as of the Closing Date; (7) The certificates of and satisfactory to Bond Counsel; (the "Policy") issued by (" "), together with such supporting opinions of counsel to as shall be .(S) A certificate, in form and substance satisfactory to the Underwriter, of any duly authorized officer or official of the City. satisfactory to the Underwriter, dated as of the Closing Date, to the effect that: (i) each of the City's representations, warranties and covenants contained herein are true and correct as of the Closing Date; (ii) the City has duly adopted the Authorizing Ordinance and the Levying Ordinance by all action necessary under the Act and the laws of the State of Arkansas, and has duly authorized the execution, delivery and due performance of the Bonds, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement, the Official Statement and this Bond Purchase Agreement; (iii) no litigation is pending, or to the knowledge of the officer or official of the City signing the certificate after due investigation and inquiry, threatened, to restrain or enjoin the issuance or sale of the Bonds or in any way affecting any authority for or the validity of the Bonds, the Tax, the Official Statement, the Authorizing Ordinance, the Levying • Ordinance, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement or this Bond Purchase Agreement; (iv) the Bonds, the Indenture, the Escrow Agreement, this Bond Purchase Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, as executed and delivered by the City, are in the form or in substantially the form approved for such execution by appropriate proceedings of the City; (v) neither the Authorizing Ordinance nor the Levying Ordinance have been amended, modified or repealed as of the Closing Date, and the Authorizing Ordinance and the Levying Ordinance remain in full force and effect; (vi) none of the proceedings of the City taken preliminary to the issuance of the Bonds, as certified in such certificate, including the levy of the Tax, have been in any manner repealed, amended or changed; (vii) the City has complied in all respects with the provisions of the Act and has full legal right, power and authority to levy the Tax, to pledge the Tax Receipts and to issue the Bonds for the purposes stated in the Act and to enter into this Bond Purchase Agreement, to adopt the Authorizing Ordinance and the Levying Ordinance, to issue, sell and deliver the Bonds as provided in this Bond Purchase Agreement, and to carry out and consummate all other transactions contemplated by this Bond Purchase Agreement, the Authorizing Ordinance, the Levying Ordinance, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement and the Tax Regulatory Agreement; (viii) neither the Official Statement nor any amendment or supplement thereto contains any untrue statement of a material fact or omits to state any material fact necessary in order to make the statements contained • therein, in the light of the circumstances under which they were made, not misleading; and (ix) to the best knowledge of the officer or official of the City 10 I0-47965.? • signing the certificate, no event affecting the City or the Tax has occurred since the date of the Official Statement which should be disclosed in the Official Statement for the purposes for which it is used that is necessary to disclose therein in order to make the statements and information therein not misleading in any respect; (9) An opinion of Kit Williams, Esq., City Attorney, dated the Closing Date and addressed to the Underwriter, Bond Counsel and the Trustee, to the effect that (i) the City is a duly organized and validly existing political subdivision and city of the first class, organized under the laws of the State of Arkansas, with full power and authority to adopt the Authorizing Ordinance and the Levying Ordinance, to levy the Tax, to pledge the Tax Receipts and to execute and deliver the Bonds, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement and this Bond Purchase Agreement; (ii) the City has duly approved the Preliminary Official Statement and the Official Statement; (iii) the Authorizing Ordinance and the Levying Ordinance have been duly adopted by the City by all action necessary under the Act and the laws of the State of Arkansas, and remain in full force and effect; (iv) the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement and this Bond Purchase Agreement have been duly authorized, approved, executed and delivered by the City and, subject to the extent that the enforceability of the rights and remedies set forth therein may be • limited by bankruptcy, insolvency or other laws affecting creditors' rights generally, constitute valid and binding agreements of the City enforceable in accordance with their terms; (v) the information in the Official Statement under the captions "THE REFUNDING PROGRAM," "THE CITY," "THE COMMISSION" and "LEGAL MATTERS" (apart from financial or statistical data contained or incorporated therein, as to which no view need be expressed) is fair, accurate and complete and does not omit any matter which, in such counsel's opinion, for the purposes for which the Official Statement is to be used, should be included or referred to therein; (vi) excepting those matters discussed in the Official Statement, there is no action, suit or proceeding at law or in equity before or by any court, public board or body, pending or threatened, against or affecting the City, challenging the validity of the transactions contemplated by the Official Statement or the validity of the Bonds, the Tax, the Authorizing Ordinance, the Levying Ordinance, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement or this Bond Purchase Agreement and, to the best of such counsel's knowledge, there is no investigation, pending or threatened, and no threatened action, suit or proceeding involving any of the matters hereinabove mentioned in this clause (vi); (vii) the execution and delivery of the Authorizing Ordinance, the Levying Ordinance, the Indenture, the Escrow Agreement, the Continuing Disclosure Agreement, the Tax Regulatory Agreement and this Bond Purchase Agreement, and compliance with the provisions hereof and thereof, under the circumstances contemplated hereby and • thereby, do not and will not in any material respect conflict with or constitute on the part of the City a breach of or default under any agreement or other instrument to which the City is a party or any existing law, regulation, court order or consent 1047965.2 • decree to which the City is subject; and (viii) based upon the examinations which such counsel has made as counsel to the City, which shall be specified, nothing has come to such counsel's attention which would lead such counsel to believe that the Official Statement (except for the financial statements and other financial data included in the Official Statement, as to which no view need be expressed) contains an untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; (10) Evidence that Federal Form 8038-G has been executed by the City and is ready for filing with the Internal Revenue Service. (11) Evidence that, except as disclosed in the Official Statement, all necessary approvals, whether legal or administrative, have been obtained from applicable federal, state and local entities and agencies; and (12) Such additional legal opinions, certificates, proceedings, instruments and other documents as the Underwriter and Bond Counsel may reasonably request to evidence compliance by the City with legal requirements, the truth and accuracy; as of the time of Closing, of the representations of the City herein contained and the due performance or satisfaction by the City at or prior to such time of all agreements then to be performed and all conditions then to be satisfied. If the City shall be unable to satisfy the conditions to the obligations of the Underwriter contained in this Bond Purchase Agreement, or if the obligation of the Underwriter to purchase and accept delivery of the Bonds shall be terminated for any reason permitted by this Bond Purchase Agreement, this Bond Purchase Agreement shall terminate and neither the Underwriter nor the City shall be under further obligation hereunder; except that the respective obligations to pay expenses, as provided in Section 12 hereof, shall continue in full force and effect. 9. Conditions to Obligations of the City. The obligations of the City hereunder are subject to the performance by the Underwriter of its obligations hereunder. 10. Survival. All representations, warranties and agreements of the City shall remain operative and in full force and effect, regardless of any investigations made by or on behalf of the Underwriter, and shall survive the Closing. The obligations of the City under Sections 11 or 12 hereof shall survive any termination of this Bond Purchase Agreement by the Underwriter pursuant to the terms hereof 11. . Indemnification. The City, to the extent permitted by law, agrees to indemnify and hold harmless the Underwriter, each member, officer, director, partner or employee of the Underwriter and each person who controls the Underwriter within the meaning of Section 15 of the Securities Act of 1933, as amended, or Section 20 of the Securities Exchange Act of 1934, as amended (collectively called the "Indemnified Parties"), against any and all losses, claims, damages, liabilities or expenses (including any legal or other expenses incurred by an Indemnified Party in connection with investigating any claims against an Indemnified Party and 12 10-47965.2 • defending any actions) whatsoever caused by any untrue statement or misleading statement or alleged untrue statement or alleged misleading statement of a material fact contained in the Official Statement or caused by any omission or alleged omission from the Official Statement of any material fact required to be stated therein or necessary in order to make the statements made therein, in the light of the circumstances under which they were made, not misleading insofar as such losses, claims, damages, liabilities or expenses are caused by any such untrue or misleading statement or omission or alleged untrue or misleading statement or omission in the information contained in the Official Statement; provided, however, that the City shall not be liable to an Indemnified Party in any such case to the extent that any such loss, claim, damage, liability or action arises out of, or is based upon, any untrue statement or alleged untrue statement or omission or alleged omission made in any of such documents in reliance upon and in conformity with written information furnished to the City by the Underwriter specifically for use therein. No Indemnified Parties shall be indemnified hereunder for any losses, claims, damages or liabilities resulting from the negligence of such Indemnified Parties. 12. Payment of Expenses. The City will pay or cause to be paid all reasonable expenses incident to the performance of its obligations under this Bond Purchase Agreement, including, but not limited to, expenses of mailing or delivery of the Bonds, costs of printing the Bonds, the Preliminary and final Official Statements, any amendment or supplement to the Preliminary or final Official. Statement and this Bond Purchase Agreement, fees and disbursements of Bond Counsel, any fees charged by investment rating agencies for the rating of the Bonds, bond insurance premiums, if any, fees of the Trustee and any paying agent fees, and • any fees and disbursements in connection with the qualification of the Bonds for sale under the securities or "Blue Sky" laws of the various jurisdictions and the preparation of "Blue Sky" memoranda. In the event this Bond Purchase Agreement shall terminate because of the default of the Underwriter, the City will, nevertheless, pay, or cause to be paid, all of the expenses specified above. The Underwriter shall pay all advertising expenses in connection with the public offering of the Bonds, and all other expenses incurred by it in connection with the public offering and distribution of the Bonds, including the fees and expenses of any counsel retained by the Underwriter. If the City defaults under this Bond Purchase Agreement, the Underwriter may bring whatever legal action it may have against the City to recover damages, if any, incurred • by the Underwriter. 13. Notices. Any notice or other communication to be given to the City under this Bond Purchase Agreement may be given by delivering the same in writing to the Mayor at the address set forth above, and any notice or other communication to be given to the Underwriter under this Bond Purchase Agreement may be given by delivering the same in writing to Stephens Inc., 3425 North Futrall, Suite 201, Fayetteville, AR 72703, Attention: Mr. Dennis Hunt. 14. Non assign ability. This Bond Purchase Agreement is made solely for the benefit of the City and the Underwriter (including any successor or assign of the Underwriter), and no other person, including any purchaser of the Bonds, shall acquire or have any right hereunder or by virtue hereof. 15. Applicable Law. This Bond Purchase Agreement shall be governed by and construed in accordance with the laws of the State of Arkansas. 13 10-47965.2 • 16. Counterparts. This Bond Purchase Agreement shall become effective upon your acceptance hereof and may be executed in counterparts, each of which shall be regarded as an original and all of which shall constitute one and the same document. Very truly yours, STEPHENS INC. By: Authorized Representative Accepted and agreed to as of the date first above written: CITY OF FAYETTEVILLE, ARKANSAS Title: Mayor 14 10-47965.2 • EXHIBIT A MATURITY SCHEDULE (October 1) Principal Interest Maturity Amount Rate Price 2004 $ 2005 % % 2006 2007 % 2008 °i° % 2009 2010 2011 2012 2013 2014 2015 • (with accrued interest on all Bonds from July 1, 2003) 10-47965.2 A-1 • EXHIBIT B PROPOSED FORM OF BOND COUNSEL APPROVING OPINION Upon delivery of the Bonds in definitive form, Kutak Rock LLP, Little Rock, Arkansas, proposes to deliver its approving opinion in substantially the following form: July _, 2003 City of Fayetteville, Arkansas Fayetteville, Arkansas Bank of Oklahoma, N.A., as Trustee Tulsa, Oklahoma Stephens Inc. Fayetteville, Arkansas 5 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Ladies and Gentlemen: We have acted as bond counsel in connection with the issuance and sale by the City of Fayetteville, Arkansas (the "City"), a political subdivision of the State of Arkansas, of its S Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. _ of the City, duly adopted and approved on 2003 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City and Bank of Oklahoma, N.A., as trustee (the "Trustee"). Reference is hereby made to the Indenture and to all indentures supplemental thereto for the provisions, among others, with respect to the conditions for the issuance of parity debt by the City, the nature and extent of the security for the Bonds, the rights, duties and obligations of the City, the Trustee and the Holders of the Bonds, and the terms upon which the Bonds are issued and secured. Reference is made to an opinion of even date herewith of Kit Williams, Esq., City Attorney, a copy of which is on file with the Trustee, with respect, among other matters, to the status and valid existence of the City, the power of the City to adopt the Authorizing Ordinance • and to enter into and perform its obligations under the Indenture, the valid adoption of the Authorizing Ordinance, and the due authorization, execution and delivery of the Indenture by the City, and with respect to the Indenture being enforceable upon the City. 10-47965.2 B-1 We have examined the law and such certified proceedings and other papers as we have deemed necessary to render this opinion. As to questions of fact material to our opinion, we have relied upon the representations of the City contained in the Authorizing Ordinance and the Indenture and in the certified proceedings and other certifications of public officials furnished to us, without undertaking to verify the same by independent investigation. Based upon the foregoing, we are of the opinion, under existing law, as follows: 1. The City is duly created and validly existing as a municipal corporation of the State of Arkansas. Pursuant to the Constitution and laws of the State of Arkansas, including, particularly, the Act, the City is empowered to adopt the Authorizing Ordinance, to execute and deliver the Indenture, to perform the agreements on its part contained therein, and to issue the Bonds. 2. The Authorizing Ordinance has been duly adopted by the City and constitutes a valid and binding obligation of the City enforceable upon the City in accordance with its terms. 3. The Indenture has been duly authorized, executed and delivered by the City and is a valid and binding obligation of the City enforceable upon the City in accordance with its terms. 4. The Bonds have been validly authorized, executed, issued and delivered by the City and represent valid and binding special obligations of the City. The principal, premium, if • any, and interest on the Bonds shall be payable from, and shall be secured by an assignment and pledge by the City to the Trustee of, the Tax Receipts (as defined in the Indenture). 5. The Tax Receipts have been duly and validly assigned and pledged to the Trustee under the Indenture, and the Indenture creates, as security for the Bonds, a valid security interest in the Tax Receipts. 6. The interest on the Bonds is excluded from gross income for federal income tax • purposes and is not an item of tax preference for purposes of the federal alternative minimum tax imposed on individuals and corporations; it should be noted, however, that, for the purpose 'of computing the alternative minimum, tax imposed on corporations (as defined for federal income tax purposes), such interest is taken into account in determining adjusted current earnings for purposes of such alternative minimum tax. The opinions set forth in the preceding sentence are subject to the condition that the City comply with all requirements of the Internal Revenue Code of 1986, as amended, that must be satisfied prior to or subsequent to the issuance of the Bonds in order that the interest thereon be, or continue to be, excluded from gross income for federal income tax purposes. The City has covenanted to comply with each such requirement. Failure to comply with certain of such requirements may cause the inclusion of interest on the Bonds in gross income for federal income tax purposes to be retroactive to the date of issuance of the Bonds. The Bonds are "qualified tax-exempt obligations" within the meaning of Section 265(b)(3) of the Code, and, in the case of certain financial institutions (within the meaning of Section 265(b)(5) of the Code), a deduction is allowed for 80 percent of that portion of such financial institution's interest expense allocable to interest on the Bonds. We express no opinion • regarding other federal tax consequences arising with respect to the Bonds. 10-47965.2 B-2 • 7. The interest on the Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. 8. The Bonds are exempt from registration pursuant to the Securities Act of 1933, as amended, and the Indenture is not required to be qualified under the Trust Indenture Act of 1939, as amended, in connection with the offer and sale of the Bonds. It is to be understood that the rights of the registered owners of the Bonds and the enforceability of the Bonds, the Authorizing Ordinance and the Indenture may be subject to bankruptcy, insolvency, reorganization, moratorium and other similar laws affecting creditors' rights heretofore or hereafter enacted to the extent constitutionally applicable and that their enforcement may also be subject to the exercise of judicial discretion in appropriate cases. Very truly yours, • 10-47965.2 B-3 0 1 . EXHIBIT C PROPOSED FORM OF BOND COUNSEL SUPPLEMENTAL OPINION July __,2003 City of Fayetteville, Arkansas Fayetteville, Arkansas Bank of Oklahoma, N.A., as Trustee Tulsa, Oklahoma Stephens Inc. Fayetteville, Arkansas S City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Ladies and Gentlemen: This opinion supplements our bond approving opinion, dated the date hereof, relating to the above -captioned bonds (the "Bonds"). Except as otherwise defined herein, the terms used herein shall have the meanings prescribed for them in said opinion. We have examined the law and such certified proceedings and other papers as we have deemed necessary to render this opinion.. As to questions of fact material to our opinion, we have relied upon the representations of the City contained in the Indenture and in the certified proceedings and other certifications of public officials furnished to us, without. undertaking to verify the same by independent investigation. In addition to the documents specifically mentioned in the approving opinion, in connection with this opinion we have also examined: (a) An executed counterpart of the Bond Purchase Agreement dated 2003 (the "Bond Purchase Agreement"), by and between the City and Stephens Inc., as underwriter (the "Underwriter"); (b) An executed counterpart of the Escrow Deposit Agreement dated July _, 2003 (the "Escrow Agreement"), by and between the City and the Bank of Oklahoma, N.A., as escrow trustee (the "Escrow Trustee"); (c) An executed counterpart of the Continuing Disclosure Agreement dated July _, 2003 (the "Disclosure Agreement"), by and between the City and the Bank of Oklahoma, N.A., as trustee (the "Trustee"); 10-47965.2 C- l (d) An executed counterpart of the Tax Regulatory Agreement dated July _, 2003 (the "Tax Regulatory Agreement"), by and between the City and the Trustee; and (e) Portions of the Official Statement dated , 2003, with respect to the Bonds (the "Official Statement"), captioned "INTRODUCTORY STATEMENT," "THE SERIES 2003 BONDS," "SECURITY FOR THE BONDS," "ESTIMATED SOURCES AND USES OF FENDS," "DEFINITIONS OF CERTAIN TERMS," "SUMMARY OF THE INDENTURE," "SUMMARY OF THE CONTINUING DISCLOSURE AGREEMENT," "TAX EXEMPTION," and "APPENDIX A — Form of Opinion of Bond Counsel" (the "Relevant Captions") insofar as they relate to this opinion. Based on our examination, we are of the opinion, as of the date hereof and under existing law, as follows: 1. The Bond Purchase Agreement has been duly authorized, executed and delivered by the City and, assuming due authorization, execution and delivery by the Underwriter, the Bond Purchase Agreement constitutes the valid and binding agreement of the City enforceable in accordance with its terms. 2. The Escrow Agreement has been duly authorized, executed and delivered by the City and, assuming due authorization, execution and delivery by the Escrow Trustee, the Escrow Agreement constitutes the valid and binding agreement of the City enforceable in accordance with its terms. 3. The Disclosure Agreement has been duly authorized, executed and delivered by the City and, assuming due authorization, execution and delivery by the Trustee, the Disclosure Agreement constitutes the valid and binding agreement of the City enforceable in accordance with its terms. 4. The Tax Regulatory Agreement has been duly authorized, executed and delivered by the city and, assuming due authorization, execution and delivery by the Trustee, the Tax Regulatory Agreement constitutes the valid and binding agreement of the City enforceable in accordance with its terms. 5. The statements contained in the Official Statement under the Relevant Captions, insofar as such statements purport to summarize certain provisions of the Bonds, the•Indenture and the Continuing Disclosure Agreement, or conclusions of law and legal opinions, are true, accurate and correct summaries thereof in all material respects and do not omit to state a material fact necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading. The enforceability of the respective obligations of the parties to the documents and other items described above, and the availability of certain rights and remedies provided for therein, may be limited by bankruptcy, receivership, insolvency, reorganization, moratorium, marshalling • or other similar statutes or rules of law affecting creditors' rights and remedies, to general principles of equity and to the discretion of any court in granting any relief or issuing any order, whether the proceeding is considered a proceeding at law or equity. In particular, the right to 10-47965.2 C-2 • indemnification under any of the documents or other items described above may be limited by federal of state securities laws or by the public policy underlying such laws. This opinion is being rendered to you solely for your use and benefit and may not be relied upon in any manner, nor used, by any other person. Very truly yours, • 10-47965.2 •C-3 KUTAK ROCK LLP DRAFT 5/07/03 • ESCROW DEPOSIT AGREEMENT THIS ESCROW DEPOSIT AGREEMENT (this "Agreement") dated July _, 2003, by and between the City of Fayetteville, Arkansas, a political subdivision of the State of Arkansas (the "City"), and Bank of Oklahoma, N.A., Tulsa, Oklahoma, a national banking association organized and existing by virtue of the laws of the United States of America, as escrow trustee for the hereinafter defined Prior Bonds (the "Escrow Trustee"). WITNESSETH: WHEREAS, the City has heretofore issued its $6,950,000 Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated as of November 1, 1998, of which $6,620,000 aggregate principal amount are outstanding and are stated to mature on October 1, 2003 to October 1, 2012, inclusive, and on October 1, 2015 (with sinking fund redemption on October 1 in the years 2013 and 2014) (the "Prior Bonds"); and WHEREAS, the terms of and the security for the Prior Bonds are prescribed by that certain Trust Indenture dated as of September 1, 1995, as amended and supplemented by a First Supplemental Trust Indenture dated as of November 1, 1998 (the "Prior Indenture"), between the City and the Bank of Oklahoma, N.A., as trustee (the "Prior Trustee"); and • WHEREAS, Article IX of the Prior Indenture provides under certain circumstances that the Prior Bonds shall be deemed paid within the meaning of the Prior Indenture if there shall be on deposit with the Prior Trustee moneys or certain types of investment obligations described therein maturing on or prior to the maturity or redemption dates of the Prior Bonds and sufficient to pay when due the principal of, premium, if any, and interest on the Prior Bonds to the maturity date or redemption date, as the case may be; and WHEREAS, the City, pursuant to an ordinance adopted by its City Council on , 2003, and the Constitution and laws of the State of Arkansas, has authorized the issuance of $ aggregate principal amount of its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Refunding Bonds"), a portion of the proceeds of which are to be used, together with other available funds, to refund all of the Prior Bonds; and . WHEREAS, the City has made arrangements for deposit with the Escrow Trustee of moneys and investment obligations derived from and purchased with (a) a portion of the proceeds derived from the sale of the Refunding Bonds, (b) amounts released from the Bond Fund for the Prior Bonds, and (c) amounts released from the Bond Reserve Fund for the Prior Bonds, which in the aggregate will provide sufficient immediately available funds to enable the Escrow Trustee to pay the principal of and interest on the Prior Bonds upon redemption on October 1, 2003 (the "Redemption Date"), as set forth on Schedule 1 hereto; and WHEREAS, the City has entered into this Agreement with the Escrow Trustee in order to ensure that the procedures required for discharging the Prior Bonds will be followed; • 10-47997.2 • NOW, THEREFORE, in consideration of the foregoing and of the mutual covenants hereinafter set forth, and in order to provide for the redemption of the Prior Bonds and to set forth the obligations of the parties hereto, the parties hereto agree as follows: Section 1. Establishment of Escrow Fund. There is hereby created and established with the Escrow Trustee a special, segregated and irrevocable escrow account designated "City of Fayetteville, Arkansas - 1998 Refunding Escrow Fund" (the "Escrow Fund") to be held in the custody of the Escrow Trustee as a trust fund for the benefit of the registered owners of the Prior Bonds, separate and apart from other funds of the City and the Escrow Trustee. Section 2. Deposit to Escrow Fund; Application of Moneys. Simultaneously with the execution of this Agreement, the City has sold and delivered the Refunding Bonds. From the proceeds of the sale of the Refunding Bonds, the City has delivered to the Escrow Trustee for deposit in the Escrow Fund immediately available moneys in the amount of S . The• Escrow Trustee, in its role as Prior Trustee, is hereby directed to liquidate all investments in the Bond Fund and Bond Reserve Fund established under the Prior Indenture and applicable to the Prior Bonds, and to transfer such moneys (viz., the sum of $_ ) to the Escrow Fund. The Escrow Trustee has purchased, from and as an investment of moneys in the Escrow Fund, at the prices indicated, the direct noncallable obligations of the United States of America identified in Schedule 2 attached hereto (the "Government Obligations"). Accordingly, the Escrow Trustee now holds (or has the right to receive principal and interest on) the Governmental Obligations and S in uninvested cash. • Section 3. Deposit to Escrow Fund Irrevocable. The deposit of the moneys and Governmental Obligations in the Escrow Fund shall constitute an irrevocable deposit of said moneys and Governmental Obligations exclusively for the benefit of the owners of the Prior Bonds, and such moneys and Governmental Obligations shall be held in escrow and shall be applied solely to the payment of the principal of and interest on the Prior Bonds through and including the Redemption Date. Subject to the requirements set forth herein for the use of the Escrow Fund and the moneys therein, the City covenants and agrees that the Escrow Trustee shall have full and complete control and authority over and with respect to the Escrow Fund and the moneys and Governmental Obligations deposited therein. Section 4. Use of Moneys. The Escrow Trustee shall apply the moneys and Governmental Obligations deposited in the Escrow Fund, together with any interest or income earned thereon, in accordance with the provisions hereof. The Escrow Trustee shall withdraw from the Escrow Fund immediately available funds for application to the payment of the principal of and interest on the Prior Bonds in the amounts and at the times necessary in accordance with Schedule I attached hereto. Schedule 3 attached hereto shows the availability and application of moneys in the Escrow Fund necessary to meet the requirements set forth in Section 1. The Escrow Trustee shall not sell, transfer, otherwise dispose of or cause to be redeemed prior to maturity, any Government Obligations, except as authorized by Section 5 hereof. The Escrow Trustee shall make no further investment or reinvestment except as expressly authorized • by Section 5. The liability of the Escrow Trustee for the payment of the amounts to be paid hereunder shall be limited to the moneys available for such purposes in the Escrow Fund. 2 10-47997.2 • Subject to the provisions of Section 5 hereof, any amounts held as cash in the Escrow Fund shall be held in cash without any investment thereof, not as a deposit with any bank or other depository. The Escrow Trustee shall not have any duty with respect to calculating or verifying the mathematical sufficiency of the moneys in the Escrow Fund to be utilized to pay the principal of, redemption premium and interest on the Prior Bonds as the same shall become due and payable. Section 5. Investment of Escrow Fund Moneys. (a) The Escrow Trustee may from time to time sell, cause the redemption of. or otherwise dispose of any Government Obligations in the Escrow Fund upon the substitution of other direct or fully guaranteed and noncallable obligations of the United States of America, provided: (1) The Escrow Trustee shall have previously obtained an opinion of an independent certified public accountant that the substitution will not adversely affect the availability of moneys in the Escrow Fund at times. and in amounts sufficient to meet the required payments on the Prior Bonds provided in Schedule 1 attached hereto; and (2) The Escrow Trustee shall receive an unqualified opinion of recognized attorneys in the field of tax-exempt municipal bonds to the effect that, if such substitution had been reasonably expected on the date of issuance of the Prior Bonds, such substitution would not have caused any of the Prior Bonds to be "arbitrage bonds" within the meaning of Section 148 of the Internal Revenue Code of 1986, as amended (the "Code"), and the regulations of the U.S. Treasury thereunder proposed or in effect at the • time of such substitution and applicable to obligations issued on the date of issuance of the Prior Bonds, so as to adversely affect the exemption from Federal income taxation of the interest on the Prior Bonds or the Refunding Bonds; and (3) The City shall have given the Escrow Trustee its written consent to the substitution. All substituted obligations shall become a part of the Escrow Fund and shall be "Government Obligations" for all purposes of this Agreement. (b) Notwithstanding any other provision of this Agreement, the City and the Escrow Trustee hereby covenant that no part of the proceeds of the moneys in the Escrow Fund shall be used, at any time, directly or indirectly, in such a manner which, if such use had been reasonably anticipated on the date of issuance of the Refunding Bonds, would have caused any of the Refunding Bonds to be an "arbitrage bond" under Section 148 of the Code and the regulations of the U.S. Treasury thereunder proposed or in effect at the time of such use and applicable to obligations issued on the date of issuance of the Refunding Bonds. Section 6. Redemption and Defeasance. (a) The City hereby calls the Prior Bonds for redemption prior to maturity on October 1, 2003. The instructions to the Escrow Trustee to redeem the Prior Bonds on October 1, 2003 are hereby declared to be irrevocable. (b) The Escrow Trustee is hereby irrevocably instructed to give notice of the call for • redemption to all registered owners of the Prior Bonds. Such notice shall be given by first class mail, postage prepaid, in the form attached hereto as Exhibit A, at least thirty (30) days prior to 3 I0-17997.2 • the redemption date. The City will be responsible for any out-of-pocket expenses incurred in connection with this Section 6(b) from moneys other than those in the Escrow Fund. (c) As soon as practicable after receipt of these instructions, the Escrow Trustee shall mail by first class mail, postage prepaid, to all of the registered owners of the Prior Bonds, a notice of defeasance in the form attached hereto as Exhibit B. The City will be responsible for any out-of-pocket expenses incurred in connection with this Section 6(c) from moneys other than those in the Escrow Fund. Section 7. Remaining Moneys in Escrow Fund. Upon the retirement of the Prior Bonds, any amounts remaining in the Escrow Fund shall be deposited in the bond fund for the Refunding Bonds, free and clear of the trust created by the Prior Indenture and this Agreement. Section 8. Rights of Owners of Prior Bonds. The escrow created hereby shall be irrevocable and the owners of the Prior Bonds shall have a beneficial interest and a first, prior and paramount lien and claim on all moneys in the Escrow Fund until paid out, used and applied in accordance with this Agreement. Section 9. Fees of Escrow Trustee. In consideration of the services rendered by the Escrow Trustee under this Agreement, the City has made arrangements satisfactory to the Escrow Trustee for payment of its reasonable fees and expenses, and the Escrow Trustee hereby acknowledges that it shall have no lien whatsoever upon any moneys in the Escrow Fund for payment of such fees and expenses. The Escrow Trustee agrees to remain in office until all of • the Prior Bonds have been redeemed. Except to the extent arising from their gross negligence or willful misconduct, the Escrow Trustee and its respective successors, assigns, agents and servants shall not be • held to any liability whatsoever, in tort, contract or otherwise, in connection with the execution and delivery of this Agreement, the establishment of the Escrow Fund, the acceptance of the moneys and Governmental Obligations deposited therein, or by reason of any act, omission or error of the Escrow Trustee made in good faith in the conduct of its duties. The Escrow Trustee makes no representations or warranties as to whether the Escrow Fund is adequate or sufficient to defease or redeem the Prior Bonds and shall not be responsible or liable for any inadequacy or insufficiency. The Escrow Trustee shall be entitled to the immunities, powers, privileges and protections set forth in the Prior Indenture for the benefit of the Trustee as if set forth herein in their entirety. Section 10. Enforcement. The City and the owners of the Prior Bonds shall have the right to take all actions available under law or equity to enforce this Agreement or the terms hereof. Section 11. Successors Bound. All covenants, promises and agreements in this Agreement shall bind and inure to the benefit of the respective successors and assigns of the • City, the Escrow Trustee and the owners of the Prior Bonds, whether so expressed or not. 4 10-47997.2 • Section 12. Arkansas Law Governing This Agreement shall be governed by the applicable laws of the State of Arkansas. Section 13. Termination. This Agreement shall terminate when all of the Prior Bonds have been paid as aforesaid and any remaining moneys have been transferred as prodded in Section 7 hereof. Section 14. Severability. If any one or more of the covenants or agreements provided in this Agreement on the part of the City or the Escrow. Trustee to be performed should be determined by a court of competent jurisdiction to be contrary to law, such covenant or agreement shall be deemed and construed to be severable from the remaining covenants and agreements herein contained and shall in no way affect the validity of the remaining provisions of this Agreement. Section 15. Counterparts. This Agreement may be executed in several counterparts, all or any of which shall be regarded for all purposes as one original and shall constitute and be one and the same instrument. Section 16. No Recourse Against City Officers and Employees. No recourse shall be had for the payment of the principal of or interest on any of the Prior Bonds or for any claim based thereon or upon any obligation, covenant or agreement in this Agreement. contained against any past, present or future officer, member, alderman or employee of the City or of any rule of law or equity, statute or constitution or by the enforcement of any assessment or penalty • or otherwise, and all such liability of any such officers, members, aldermen or employees, as such, is hereby expressly waived and released as a condition of and consideration for the execution of this Agreement. Section 17. Notices. Unless otherwise provided, any notice, demand, direction, request or other instrument authorized or required by this Agreement to be given to or filed with the City or the Escrow Trustee shall be in writing and shall be addressed as follows: To the City: City of Fayetteville, Arkansas 113 West Mountain Fayetteville, Arkansas 72701 Attention: Finance & Internal Services Director To the Escrow Trustee: Bank of Oklahoma, N.A. Corporate Trust Group I Williams Center Tower, I0`.h Floor Tulsa, Oklahoma 74103 r 5 10-47997.2 • IN WITNESS WHEREOF, the parties hereto have each caused this Agreement to be executed by their duly authorized officers as of the date first above written. CITY OF FAYETTEVILLE, ARKANSAS By: Mayor BANK OF OKLAHOMA, N.A. By: _ Title: • • [SIGNATURE PAGE TO ESCROW AGREEMENT] 10-47997.2 • SCHEDULE1 REQUIREMENTS TO PAY AND REDEEM THE PRIOR BONDS Principal Redemption Payment Date Principal Due Redeemed Premium Interest Due 10-1-03 $ 80,000 $6,540,000 $ -0- $ • • S-1 10-47997.2 - - Total Due • SCHEDULE2 DESCRIPTION OF GOVERNMENT OBLIGATIONS Type Maturity Date Principal Amount Coupon Rate • 0 S-2 10-47997.2 • SCHEDULE3 SCHEDULE OF AVAILABILITY AND APPLICATION OF ESCROW FUND Cash Balance at Receipts from Debt Service Requirement Cash Balance at Period Ending Beginning of Period Government Obligations to Retire Prior Bonds End bf Period 7-_-03 $ - 10-1-03 $ • r LJ S-3 10-47997.2 • EXHIBIT A NOTICE OF REDEMPTION City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds Series 1998 NOTICE IS HEREBY GIVEN by Bank of Oklahoma, N.A., Tulsa, Oklahoma, the trustee (the "Trustee") for the Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, of the City of Fayetteville, Arkansas (the "City"), dated November 1, 1998 (the "Bonds"), that all of the outstanding Bonds are hereby called for redemption and prepayment on October 1, 2003. The outstanding Bonds called for redemption mature, bear interest and have been assigned CUSIP numbers as follows: Maturity Date (October 1) Principal Amount Interest Rate CUSIP 2004 S 85,000 3.90% 312664 AQ 8 2005 475,000 3.95% 312664 AR 6 2006 490,000 4.00% 312664 AS 4 2007 510,000 4.15% 312664 AT 2 2008 535,000 , 4.20% 312664 AU 9 2009 555,000 4.30% 312664 AV 7 2010 580,000 4.40% 312664 AW 5 2011 605,000 4.50% 312664 AX 3 2012 630,000 4.60% 312664 AY I 2015 2,075,000 4.80% 312664 BA 2 No representation is made as to the accuracy of the CUSIP numbers set forth above, and the redemption of the Bonds shall not be affected by any defect in or omission of such numbers. Each of the Bonds so called for redemption and prepayment shall be redeemed and prepaid at a redemption price of 100.0% of the principal amount thereof plus accrued interest to the date of redemption. The Bonds shall cease to bear interest as of October 1, 2003. The Bonds so called for redemption shall be payable at the corporate trust office of the Trustee and shall be presented as follows: Bank of Oklahoma, N.A. Corporate Trust Services 1525 West W.T. Harris Blvd, 3C3 Charlotte, NC 28288-1153 Withholding. of 30% of gross redemption proceeds of any payment .made within the United States may be required by the Economic Growth and Tax Relief Reconciliation Act of 2001, unless the paying agent has the correct taxpayer identification number (social security or • taxpayer identification number) or exemption certificate or equivalent when presenting your securities for payment. A-1 1047997.2 Dated this day of , 2003. BANK OF OKLAHOMA, N.A. as Trustee Instructions: Mail by first class mail, postage prepaid to the registered owner of each Bond to be redeemed, addressed to such registered owner at the owner's registered address, and placed in the mails no later than September 1, 2003. • A-2 10-47997.2 0 EXHIBIT B NOTICE OF DEFEASANCE City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds Series 1998 NOTICE IS HEREBY GIVEN THAT, pursuant to the provisions of a Trust Indenture dated as of September 1, 1995, as amended and supplemented by a First Supplemental Trust Indenture dated as of November 1, 1998 (the "Indenture"), under which the bonds referenced above (the "Bonds") were issued and secured, there has been deposited with Bank of Oklahoma, N.A., Tulsa, Oklahoma, as Trustee for the Bonds, moneys and direct noncallable obligations of the United States of America, sufficient in amount to pay at maturity and upon redemption on October 1, 2003, all of the outstanding Bonds. The City of Fayetteville, Arkansas has irrevocably called for redemption on October 1, 2003, all of the Bonds maturing on October 1, 2004 and thereafter at a redemption price of 100% of the principal amount thereof, together with accrued interest to the date of redemption. On and after October 1, 2003, interest on the Bonds shall cease to accrue. As a result of the deposit with the Trustee of the moneys and direct noncallable obligations of the United States of America described above, the Bonds are deemed to have been paid in accordance with Article IX of the Indenture. • For further inquiries, contact Bank of Oklahoma, N.A., Corporate Trust Group, 1 Williams Center Tower, 10`h Floor, Tulsa, Oklahoma 74103, Attn: Cynthia Wilkinson, phone (918) 588- 6043. Date of mailing: July _, 2003 BANK OF OKLAHOMA, N.A., as Trustee Instructions: Mail by first class mail, postage prepaid to the registered owner of each Bond to be redeemed, addressed to such registered owner at the owner's registered address, and placed in • the mails as soon as possible after July _, 2003. B -I 1037997.2 KUTAK ROCK LLP DRAFT 5/07/03 0 CONTINUING DISCLOSURE AGREEMENT This Continuing Disclosure Agreement dated as of July _, 2003 (this "Agreement'), is executed and delivered by the City of Fayetteville, Arkansas (the "City") and the Bank of Oklahoma, N.A., as trustee (the "Trustee"), in connection with the issuance of the City's S Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Bonds"). The Bonds are being issued pursuant to the terms and provisions of Ordinance No. _ duly adopted by the City Council of the City on , 2003 (the "Authorizing Ordinance"), and a Trust Indenture dated as of July 1, 2003 (the "Indenture"), by and between the City and the Trustee. In connection with the issuance of the Bonds, the City and the Trustee agree as follows: Section 1. Purpose of this Agreement. This Agreement is being executed and delivered by the City and the Trustee for the benefit of the Beneficial Owners of the Bonds and in order to assist the Participating Underwriter in complying with, and constitutes the written undertaking for the benefit of the Beneficial Owners of the Bonds required by, Section (b)(5)(i) of Securities and Exchange Commission Rule 15c2-12 under the Securities Act of 1934, as amended (17 C.F.R. Section 240.15c2-12) (the "Rule"). The City hereby represents that it has not failed to comply with any previous undertaking pursuant to the Rule. Section 2. Definitions. In addition to the definitions set forth in the Indenture, which apply to any capitalized term used in this Agreement unless otherwise defined in this Section, the • following capitalized terms shall have the following meanings: "Annual Financial Information" shall mean the annual financial information provided by the City pursuant to, and as described in, Sections 3 and 4 of this Agreement. "Arkansas State Repository" shall mean any public or private repository or entity as may be designated by the State of Arkansas as a state repository for the purpose of the Rule and recognized as such by the SEC. As of the date of this Agreement, there is no Arkansas State Repository. "Beneficial Owner" shall mean any person which has or shares the power, directly or indirectly, to vote or consent with respect to, or to dispose of ownership of, any Bonds, including persons holding Bonds through nominees, depositories or other intermediaries. "Disclosure Representative" shall mean the City's Finance & Internal Services Director or his or her designee, or such other officer or employee as the City shall designate in writing to the Trustee from time to time. "Fiscal Year" shall mean the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. "MSRB" shall mean the Municipal Securities Rulemaking Board established in accordance with the provisions of Section 15B(b)(1) of the 1934 Act. • 10-47915.2 • "National Repository" shall mean any Nationally Recognized Municipal Securities Information Repository for purposes of the Rule. The National Repositories currently approved by the Securities and Exchange Commission are set forth in Exhibit B hereto. "Participating Underwriter" shall mean Stephens Inc. "Repository" shall mean each National Repository and the Arkansas State Repository, if any. "Ride" shall mean Rule 15c2 -12(b)(5) adopted by the Securities and Exchange Commission ("SEC") under the Securities Exchange Act of 1934, as the same may be amended from time to time ("1934 Act"). "Specified Events" shall mean any of the events with respect to the Bonds listed in Section 5(a) of this Agreement. "Tax" shall mean the one percent (1%) tax levied by the City pursuant to Ordinance No. 2310 adopted by the City on March 1, 1977, as subsequently amended, upon (i) the gross receipts or gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises • consumption. "Tax Receipts" shall mean receipts derived by the City from the levy of the Tax. Section 3. Provision of Annual Financial Information. (a) The City shall, not later than August 1 of each year, commencing August 1, 2003, provide to each Repository and to the Trustee its Annual Financial Information which is consistent with the requirements of Section 4 of this Agreement. The City's Annual Financial Information may be submitted as a single document or as separate documents comprising a package, and may cross-reference other information as provided in Section 4(b) hereof, provided that the audited financial statements of the City may be submitted separately from the balance of its Annual Financial Information and later than the date required above for the filing of the Annual Financial Information if they are not available by that date. If the City's fiscal year changes, it shall give notice of such change in the same manner as for a material Specified Event under Section 5 of this Agreement. (b) If, on the date specified in subsection (a) for providing the Annual Financial Information to Repositories, the Trustee has not received a copy of the Annual Financial Information, the Trustee shall contact the Disclosure Representative to determine if the city is in compliance with subsection (a). (c) If the Trustee is unable to verify that the Annual Financial Information has • been provided to the Repositories by the date required in subsection (a), the Trustee shall 1047915.2 2 • file a notice with the Repositories and the MSRB in substantially the form set forth in Exhibit A and as required by the Rule. (d) The City shall: (i) determine each year prior to the date for providing the Annual Financial Information the name and address of each Repository; and (ii) file a report with the Trustee certifying that the Annual Financial Information has been provided pursuant to this Agreement, stating the date it was provided, and listing all of the Repositories to which it was provided. Section 4. Content of Annual Financial Information. (a) The City's Annual Financial Information shall contain or incorporate by reference the following: (i) Tax Receipts for the latest Fiscal Year and for the four previous Fiscal Years, if available; and' (ii) The City's audited financial statements for the prior Fiscal Year, prepared in accordance with accounting principles generally accepted in the United States ("GAAP") as such principles are modified by the governmental accounting standards promulgated by the Government Accounting Standards • Board ("GASB") and by mandated principles of the State of Arkansas, if any, as in effect from time to time, which financial statements have been audited by such auditor as shall then be required or permitted by the laws of the State of Arkansas. If the City's audited financial statements are not available by the time its Annual Financial Information is required to be filed pursuant to Section 3(a) hereof, the Annual Financial Information shall contain the unaudited financial statements of the City, and the audited financial statements shall be filed in the same manner as the Annual Financial Information when they become available. (b) Any or all of the items listed above may be incorporated by reference from other documents, including official statements of debt issues of the City or related public entities, which have been submitted to each of the Repositories or the Securities and Exchange Commission., If the document has been incorporated by reference in a final official statement, it must be available from the Municipal Securities Rulemaking Board. The City must clearly identify each such other document incorporated by reference. Section 5. Reporting of Specified Events. (a) This Section 5 shall govern the giving of notices of the occurrence of any of the following events with respect to the Bonds, if material: (1) Principal and interest payment delinquencies; • (2) Non-payment related defaults; I0-47915.2 3 (3) Unscheduled draws on debt service reserves reflecting financial difficulties; (4) Unscheduled draws on credit enhancements reflecting financial difficulties; (5) Substitution of any credit or liquidity providers, or their failure to perform; (6) Adverse tax opinions or events affecting the tax-exempt status of the Bonds; (7) Modifications to rights of Bondowners; (8) Bond calls; (9) Defeasances; (10) Release, substitution, or sale of property securing repayment of the Bonds; and (11) Rating changes. (b) The Trustee, upon obtaining actual knowledge of the occurrence of any of • the Specified Events, shall promptly inform the Disclosure Representative of any Specified Event that has occurred, and shall request that the City promptly notify the Trustee.in writing whether to report the event pursuant to subsection (e). (c) If the City determines that the occurrence of a Specified Event is material to a Beneficial Owner of the Bonds, the Disclosure Representative shall promptly notify the Trustee in writing. Such notice shall instruct the Trustee to report the occurrence pursuant to subsection (e) below. (d) If the City determines that the occurrence of a Specified Event is not material, the Disclosure Representative shall so notify the Trustee in writing and instruct the Trustee not to report the occurrence pursuant to subsection (e) below. (e) If the Trustee has been instructed by the Disclosure Representative to report the occurrence of a Specified Event, the Trustee shall file a notice of such occurrence with each National Repository, or with the MSRB and the Arkansas State Repository. The Trustee shall not be obligated to report the occurrence of a Specified Event if there is no instruction to do so from the Disclosure Representative. Notwithstanding the foregoing: (i) notice of the occurrence of a Specified Event described in subsections (a)(1), (4) or (5) shall be given by the Trustee unless the Disclosure Representative gives the Trustee affirmative instructions not to disclose such • occurrence; and 10.47915.2 4 (iil notice of the Specified Events described in subsections (a)(S) and (9) need not be given under this subsection any earlier than the notice (if any) of the underlying event is given to Beneficial Owners of affected Bonds pursuant to the Indenture. Section 6. Termination of Reporting Obligation. The City's obligations under this Agreement shall terminate if the City is no longer an "obligated person" within the meaning of the Rule. The City's obligations under this Agreement shall terminate upon the maturity, defeasance, prior redemption or payment in full of all of the Bonds. Section 7. Amendment; Waiver. Notwithstanding any other provision of this Agreement, the City and the Trustee may amend this Agreement (and the Trustee shall consent in its discretion, such consent not to be unreasonably withheld, to any amendment so requested by the City), and any provision of this Agreement may be waived, if such amendment or waiver is supported by an opinion of counsel, reasonably acceptable to each of the City and the Trustee, to the effect that such amendment or waiver would not, in and of itself, cause the undertakings herein to violate the Rule taking into account any subsequent change in or official interpretation of the Rule. Section 8. Additional Information. Nothing in this Agreement shall be deemed to prevent the City from disseminating any other information, using the means of dissemination set forth in this Agreement or any other means of communication, or including any other information in any Annual Financial Information or notice of occurrence of a Specified Event, in • addition to that which is required by this Agreement. If the City chooses to include any information in any Annual Financial Information or notice of occurrence of a Specified Event in addition to that which is specifically required by this Agreement, the City shall have no obligation under this Agreement to update such information or include it in any future Annual Financial Information or notice of occurrence of a Specified Event. Section 9. Default. (a) In the event of a failure of the City to provide to the Repositories the Annual Financial Information as undertaken by the City in this Agreement, the Beneficial Owner of any Bonds may take such actions as may be necessary and appropriate, including seeking mandamus or specific performance by court order, to cause the City to comply with its obligations to provide Annual Financial Information or notices under this Agreement. (b) Notwithstanding the foregoing, no Beneficial Owner of the Bonds shall have the right to challenge the content or adequacy of the information provided pursuant to Sections 3, 4 or 5 of this Agreement by mandamus, specific performance or other equitable proceedings unless the City shall have been given ninety (90) days' written notice by a Beneficial Owner of the Bonds to remedy the alleged inadequacy of the information provided and unless Beneficial Owners of Bonds representing at least 25% aggregate principal amount of outstanding Bonds shall join in such proceedings. 10-47915.2 5 • (c) A default under this Agreement shall not be deemed an Event of Default under the Trust Indenture, and the sole remedy under this Agreement in the event of any failure of the City or the Trustee to comply with this Agreement shall be an action to compel performance. Section 10. Duties, Immunities and Liabilities of Trustee. Article LX of the Trust Indenture is hereby made applicable to this Agreement as if this Agreement were (solely for this purpose) contained in the Trust Indenture The Trustee shall have only such duties as are specifically set forth in this Agreement, and the City agrees to indemnify and save the Trustee, its officers, directors, employees and agents, harmless against any liabilities which it may incur arising out of or in the exercise or performance of its powers and duties hereunder, including the costs and expenses (including attorneys' fees and expenses) of defending against any claim of liability, but excluding liabilities due to its own negligence or willful misconduct. Section 11. Beneficiaries. This Agreement shall inure solely to the benefit of the City, the Trustee and the Beneficial Owners from time to time of the Bonds, and shall create no rights in any other person or entity. Section 12. Counterparts. This Agreement may be executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. CITY OF FAYETTEVILLE, ARKANSAS • By: Title: Mayor BANK OF OKLAHOMA, N.A., as Trustee By:_ Title: . [SIGNATURE PAGE TO CONTINUING DISCLOSURE AGREEMENT] 1017915.2 • • • EXHIBIT A NOTICE TO REPOSITORIES REGARDING FINANCIAL INFORMATION NAME OF ISSUER: City of Fayetteville, Arkansas NAME OF BOND ISSUE: $ Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 DATE OF ISSUANCE: July _, 2003 NOTICE IS HEREBY GIVEN that the City of Fayetteville, Arkansas (the "City") has not yet provided Annual Financial Information with respect to the above -named Bonds as required by Section 3 of the Continuing Disclosure Agreement dated as of July _, 2003, between the City and Bank of Oklahoma, N.A., as trustee. [The City anticipates that the Annual Financial Information will be filed by .1 Dated: cc: City of Fayetteville Stephens Inc. BANK OF OKLAHOMA, N.A., as Trustee A-1 10-47915.2 • EXHIBIT B List of Nationally Recognized Municipal Securities Information Repositories at the time of execution and delivery of the Continuing Disclosure Agreement This list may change from time to time. The Agreement requires that information and notices be provided to each Repository. This list should be checked for changes each time information or notice is to be provided. A current list may be obtained from the Securities and Exchange Commission over the Internet at http://www.sec.aov/info/municipal/mmsir.htm. Bloomberg Municipal Repository 100 Business Park Drive Skillman, NJ 08558 Phone: (609) 279-3225 Fax: (609) 279-5962 E-mail: Munis@Bloomberg.com DPC Data Inc. One Executive Drive Fort Lee, NJ 07024 Phone: (201) 346-0701 • Fax: (201) 947-0107 E-mail: nrmsir@dpcdata.com FT Interactive Data Attn: NRMSIR 100 William Street New York, New York 10038 Phone: (212) 771-6999 Fax: (212) 771-7390 (Secondary Market Information) (212) 771-7391 (Primary Market Information) Email: NRMSIR6r)FTID.com Standard & Poor's J. J. Kenny Repository 55 Water Street 45`h Floor New York, NY 10041 Phone: (212) 438-4595 Fax: (212) 438-3975 Email: nrmsir_repository@sandp.com • B-1 10-47915.2 KUTAK ROCK LLP . ) DRAFT 05/07/2003 PRELIMINARY OFFICIAL STATEMENT DATED MAY _, 2003 N o u NEW ISSUE *RATING: BOOK -ENTRY ONLY In the opinion of Bond Counsel, under existing law and assuming compliance with certain covenants, interest on the Series 2003 Bonds is excludedfrom gross income of the owners thereof fin federal income tax purposes and is not an item of tax preference for purposes of the federal alternative minimum tax v v imposed on individuals and corporations; however, with respect to corporations, interest on the Series 2003 Bonds will be taken into account in determining N adjusted current earnings and profits for purposes of computing the federal alternative minimum tax. Bond Counsel is also of the opinion that the Series 2003 Bonds are "qualified tax-exempt obligations" within the meaning of Section 265(b)(3) of the Internal Revenue Code of 1986, as amended. Under existing law, Bond Counsel is of the opinion that the Series 2003 Bonds and the interest thereon are exempt from all state, county and municipal taxes in the State of 2 .2 Arkansas. See the caption "TAX EXEMPTION" herein. $ ** CITY OF FAYETTEVILLE, ARKANSAS HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS °= SERIES 2003 I-.,-, O � c Dated: July 1, 2003 Due: October 1, as shown below The Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Series 2003 Bonds"), are being issued by the City of Fayetteville, Arkansas (the "City") for the purpose of financing a portion of the costs of (i) redeeming the City's Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"), funding a debt service reserve, and paying certain expenses in connection with the issuance of the Series 2003 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and "REFUNDING PROGRAM" herein. I o 5 The Series 2003 Bonds are issuable only as fully registered bonds and, when issued, will be registered in the name of Cede & Co., as nominee of The 'e`_-'� Depository Trust Company ("DTC"), New York, New York, to which principal, premium, if any, and interest payments on the Series 2003 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2003 Bonds. Individual purchases of the Series 2003 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof. Individual purchasers ("Beneficial Owners") of Series 2003 Bonds will not receive physical [Lv ° delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. o `o The Series 2003 Bonds shall bear interest from their dated date, payable on April I and October 1 of each year, commencing October 1, 2003. All such b 3 interest payments shall be payable to the persons in whose name such Series 2003 Bonds are registered on the bond registration books maintained by the Bank o y of Oklahoma, N.A., Tulsa, Oklahoma as trustee and paying agent (the "Trustee"), as of the fifteenth day of the calendar month next preceding the calendar o month in which the applicable interest payment date falls. Principal of and premium, if any, on the Series 2003 Bonds shall be payable at the principal corporate trust office of the Trustee. So long as DTC or its nominee is the registered owner of the Series 2003 Bonds, disbursement of such payments to DTC '3 N Participants is the responsibility of DTC, and the disbursement of such payments to Beneficial Owners is theTresponsibility of DTC,Participants or Indirect Participants, as more fully described herein. I Pursuant to a Trust Indenture dated as of July 1, 2003 (the "Indenture"), between the City and the Trustee, the'payment of the principal of, premium,if any, and interest on the Series 2003 Bonds is secured by a pledge of the receipts from a one percent (1%) citywide tax (the "Tax") levied by the City upon c (i) the gross receipts and gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries o rn of the City, and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis; drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants, caterers and similar businesses from the sale of prepared food and beverages for on -premises or off -premises consumption. See the caption "SECURITY FOR THE BONDS" herein. Assuming the satisfaction of certain coverage tests, the City has E O o• reserved the right to issue additional bonds to be secured on a parity basis with the Series 2003 Bonds. See the caption "THE SERIES 2003 BONDS — $ Additional Bonds" herein. The Series 2003 Bonds are subject to optional redemption prior to maturity as more fully described herein under the caption "THE 2 .� SERIES 2003 BONDS - Redemption." 9 '—� The Series 2003 Bonds are special obligations of the City secured by and payable solely from receipts of the Tax. The Series 2003 Bonds do not constitute an indebtedness of the City within the meaning of any constitutional or statutory debt limitation or restriction. The issuance of the Series 2003 Bonds shall not directly, indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the e `o payment of the Series 2003 Bonds, except as described herein with respect to the Tax. � h 6 . d MATURITY SCHEDULE** Maturity Principal Interest Maturity Principal Interest (October11 Amount Rate Price (October I1 Amount Rate Price 2004 $ % % 2010 $ % % °o c 2005 2011 2006 2012 2007 2013 2008 2014 $ € 0 2009 2015 (Accrued interest from July 1, 2003 to be added) tt v u. o The Series 2003 Bonds are offered when, as and if issued by the City and are subject to the final approving opinion of Kutak Rock LLP, Little Rock, E E " Arkansas, Bond Counsel. Certain matters will be passed upon for the City by its counsel, Kit Williams, Esq., City Attorney. It is expected that the Series 2003 rnc Bonds will be available for delivery in New York, New York, on or about July 10, 2003. a „ Stephens Inc. The date of this Official Statement is June , 2003. * See the caption "RATING " herein. ti .� ** Preliminary; subject to change. H_ U O r.3 CITY OF FAYETTEVILLE, ARKANSAS Issuer City Council Dan Coody, Mayor Kyle Cook Bob Davis Lioneld Jordan Shirley Lucas Don Marr Robert Reynolds Robert Rhoades Brenda Thiel Hugh Earnest, Chief Administrative Officer Stephen Davis, Finance & Internal Services Director Sondra Smith, City Clerk Kit Williams, City Attorney t Fayetteville Advertising and Promotion` Commission Bob Davis, Chairman e, Dan Coody Neal Crawford Pat Gazzola David McGeady Ching Mong Curtis Shipley BANK OF OKLAHOMA, N.A. Tulsa, Oklahoma Trustee and Paying Agent KUTAK ROCK LLP Little Rock, Arkansas Bond Counsel STEPHENSINC. Fayetteville, Arkansas Underwriter • 10-47615.3 No dealer, broker, salesman or other person has been authorized by the City or by Stephens Inc. (the • "Underwriter") to give any information or to make any representations, other than those contained herein; and, if given or made, such other information or representations must not be relied upon as having been authorized by either of the foregoing. This Official Statement does not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of any Series 2003 Bonds in any jurisdiction in which such offer is not authorized, or in which the person making such offer, solicitation or sale is not qualified to do so, or to any person to whom it is unlawful to make such offer, solicitation or sale. The information and expressions of opinion contained herein are subject to change without notice, and neither the delivery of this Official Statement nor any sale made hereunder shall, under any circumstances, create any implication that there has been no change in the affairs of the City since the date hereof. THE SERIES 2003 BONDS HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, NOR HAS THE TRUST INDENTURE BEEN QUALIFIED UNDER THE TRUST INDENTURE ACT OF 1939, AS AMENDED, IN RELIANCE UPON CERTAIN EXEMPTIONS FROM SUCH REGISTRATION AND QUALIFICATION CONTAINED IN SUCH LAWS. CERTAIN INFORMATION CONTAINED HEREIN HAS BEEN OBTAINED FROM THE CITY, THE DEPOSITORY TRUST COMPANY AND OTHER SOURCES WHICH ARE BELIEVED TO BE RELIABLE. THE UNDERWRITER HAS REVIEWED THE INFORMATION IN THIS OFFICIAL STATEMENT IN ACCORDANCE WITH, AND AS PART OF, ITS RESPONSIBILITIES TO INVESTORS UNDER THE FEDERAL SECURITIES LAWS AS APPLIED TO THE FACTS AND CIRCUMSTANCES OF THIS TRANSACTION, BUT THE UNDERWRITER DOES NOT GUARANTY THE ACCURACY OR COMPLETENESS OF SUCH INFORMATION. IN CONNECTION WITH THIS OFFERING, THE UNDERWRITER MAY OVERALLOT OR EFFECT TRANSACTIONS WHICH STABILIZE OR MAINTAIN THE MARKET PRICE OF THE SERIES 2003 BONDS AT A LEVEL ABOVE THAT WHICH MIGHT OTHERWISE PREVAIL IN THE OPEN MARKET.- SUCH STABILIZING, IF COMMENCED, MAYBE DISCONTINUED AT ANY TIME. • TABLE OF CONTENTS Page IntroductoryStatement......................................................................................................................................... I TheSeries 2003 Bonds......................................................................................................................................... 2 Securityfor the Bonds.......................................................................................................................................... 4 Book -Entry Only System...................................................................................................................................... 5 RefundingProgram............................................................................................................................................... 7 Estimated Sources and Uses of Funds.................................................................................................................. 8 Estimated Debt Service Requirements.................................................................................................................. 8 Estimated Debt Service Coverage........................................................................................................................ 9 TheCity................................................................................................................................................................ 9 TheCommission................................................................................................................................................... 12 Definitionsof Certain Terms................................................................................................................................ 12 Summaryof the Indenture.................................................................................................................................... 16 Summary of the Continuing Disclosure Agreement............................................................................................. 20 Underwriting......................................................................................................................................................... 22 TaxExemption...................................................................................................................................................... 22 Rating..................................................................................................................................................................... 22 LegalMatters........................................................................................................................................................ 23 Miscellaneous....................................................................................................................................................... 23 Accuracy and Completeness of Official Statement.............................................................................................. 23 APPENDIX A - Form of Bond Counsel Opinion................................................................................................. A- • 1047615.3 S PRELIMINARY OFFICIAL STATEMENT CITY OF FAYETTEVILLE, ARKANSAS HOTEL AND RESTAURANT GROSS RECEIPTS TAX REFUNDING BONDS SERIES 2003 INTRODUCTORY STATEMENT The following introductory statement is subject in all respects to the more complete information set forth in this Official Statement. All descriptions and summaries of documents hereinafter set forth are qualified in their entirety by reference to each such document. Capitalized terms not otherwise defined herein shall have the meanings ascribed to such terms under the caption "DEFINITIONS OF CERTAIN TERMS" herein. This Official Statement, including the cover page and the Appendix hereto, is furnished in connection with the offering of Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003, in the principal amount of $ * (the "Series 2003 Bonds"), by the City of Fayetteville, Arkansas (the "City"). The City is a city of the first class organized and existing under the laws of the State of Arkansas (the "State"). The City is authorized under the laws of the State, including particularly, the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 et seq. (as from time to time amended, the "Act"), to issue and sell its bonds for the purpose of financing and refinancing the cost of convention center projects. Pursuant to the Act, the City has previously issued and there are currently outstanding (i) its Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995 (the "Series 1995 Bonds") and (ii) its Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"). The Series 2003 Bonds are to be issued by the City pursuant to the Act and Ordinance No. _, adopted and approved by the City Council on _, 2003 (the "Authorizing Ordinance"); for the purpose of financing a portion of the costs of (i) redeeming all of the outstanding Series 1998 Bonds, (ii) establishing a debt service reservetforthe • Series 2003 Bonds, and (iii) paying the costs of issuing the Series 2003 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and `REFUNDING PROGRAM" herein. The issuance of the Series 1998 Bonds was approved by a majority of the qualified electors of the City at a special election held August 5, 1997, for the purpose of financing a portion of the costs of constructing the Fayetteville Town Center. , The Series 2003 Bonds are not general obligations of the City, but are special obligations payable solely from and secured by a pledge of the revenues derived by the City from a one percent (1%) tax (the "Tax") originally levied in 1977 upon (i) the gross receipts and gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City, and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants and similar businesses from the sale of prepared food and beverages for on -premises and off -premises consumption. The pledge of the receipts of the Tax (the "Tax Receipts") securing the Series 2003 Bonds is subject and subordinate to a prior pledge of said Tax Receipts securing the Series 1995 Bonds. See the caption "SECURITY FOR THE BONDS" herein. The faith and credit of the City are not pledged to the payment of the Series 2003 Bonds, and the Series 2003 Bonds do not constitute an indebtedness of the City within the meaning of any constitutional or statutory debt limitation or restriction. The issuance of the Series 2003 Bonds shall not directly, indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the payment of the Series 2003 Bonds, except as described herein with respect to the Tax Receipts. Additional Bonds may be issued on a parity of security with the Series 2003 Bonds under certain circumstances set forth in the Indenture (hereinafter defined). The Series 2003 Bonds and any such Additional Bonds are herein collectively referred to as the "Bonds." The City has covenanted in the Indenture not to issue any additional bonds under the indenture securing the Series 1995 Bonds or any other indebtedness secured on a senior basis to the Series 2003 Bonds. See the caption "THE SERIES 2003 BONDS - Additional Bonds" and " — Superior Obligations Prohibited" herein. • Preliminary; subject to change. 10-47615.3 The Series 2003 Bonds are subject to redemption at the option of the City as provided under the caption "THE SERIES 2003 Bonds — "Redemption" herein. • Pursuant to the provisions of a Continuing Disclosure Agreement dated as of the date of delivery of the Series 2003 Bonds, by and between the City and the Trustee (the "Continuing Disclosure Agreement"), the City has undertaken certain obligations with respect to providing ongoing disclosure of certain financial and operating data concerning the City and the Tax Receipts and of the occurrence of certain material events. See the caption "SUMMARY OF THE CONTINUING DISCLOSURE AGREEMENT" herein. This Official Statement contains brief descriptions or summaries of, among other matters, the City, the Series 2003 Bonds, the Tax Receipts, the Continuing Disclosure Agreement, and the Trust Indenture dated as of July 1, 2003, (the "Indenture"), by and between the City and Bank of Oklahoma, N.A., Tulsa, Oklahoma, as trustee and paying agent (the "Trustee"), pursuant to which the Series 2003 Bonds are issued and secured. Such descriptions and information do not purport to be comprehensive or definitive. All references herein to the Indenture and the Continuing Disclosure Agreement are qualified in their entirety by reference to each such documents, and all references to the Series 2003 Bonds are qualified in their entirety by reference to the definitive form thereof and the information with respect thereto included in the Indenture. Copies of the Continuing Disclosure Agreement,'the Indenture, and the form of Series 2003 Bond included therein, are available from the City by writing to the attention of the City Clerk, City of Fayetteville, City Administration Building, 113 West Mountain, Fayetteville, Arkansas 72701 and, during the initial offering period only, from the Underwriter, Stephens Inc., 3425 North Futrall, Suite 201, Fayetteville, Arkansas 72703. Tax Receipt data has been provided by the City from the audited records of the City and certain demographic information has been obtained from other sources which are believed to be reliable. THE SERIES 2003 BONDS Description. The Series 2003 Bonds will be initially dated as of July 1, 2003, and will bear interest payable semiannually on April I and October 1 of each year, commencing October 1, 2003, at the rates set forth on the cover page hereof. The Series 2003 Bonds will mature on October 1 in the years and in the principal amounts set forth on the cover page hereof. - c The Series.2003 Bonds are issuable only in the form of fully registered bonds and, when issued, will be ••, registered in the name of Cede & Co., as nominee of The Depository .Trust Company ("DTC"), New York, New York, to which principal, premium, if any, and interest payments on the Series 2003 Bonds will be made so •long as Cede & Co: is the registered owner of the Series 2003 Bonds. Individual purchases of the Series 2003 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof. Individual purchasers ("Beneficial Owners") of Series 2003 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. All interest payments on the Series 2003 Bonds shall be payable to the persons in whose name such Series 2003 Bonds are registered on the bond registration books maintained by the Trustee, as of the fifteenth day of the calendar month next preceding the calendar month in which the applicable interest payment date falls. Principal of and premium, if any, on the Series 2003 Bonds shall be payable at the principal corporate trust office of the Trustee. All such payments shall be valid and effectual to satisfy and discharge the liability upon such Series 2003 Bond to the extent of the sum or sums so paid. So long as DTC or its nominee is the registered owner of the Series 2003 Bonds, disbursement of such payments to DTC Participants is the responsibility of DTC, and the disbursement of such payments to Beneficial Owners is the responsibility of DTC Participants or Indirect Participants, as more fully described herein. Redemption. The Series 2003 Bonds are subject to redemption prior to maturity at the election of the City, on and after October 1, 2008, in whole or in part (in inverse order of maturities and by lot within a maturity) at any time, at a redemption price equal to 100% of the principal amount being redeemed, plus accrued interest to the date of redemption. Partial Redemption of a Series 2003 Bond. If less than all of the Series 2003 Bonds of a maturity are called for redemption, the particular Series 2003 Bonds or portions of Series 2003 Bonds to be redeemed shall be selected by lot in such manner as the Trustee in its discretion may deem fair and appropriate. So long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, the procedures established by DTC shall control with respect to the selection of the particular Series 2003 Bonds to be redeemed. • Notice of Redemption. Notice of the call for any redemption, identifying the Series 2003 Bonds or portions thereof being called and the date on which they shall be presented for payment, shall be mailed by the Trustee by first class mail (or, so long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, by any 10-47615.3 other means acceptable to DTC, including facsimile) to the registered owner of each such Series 2003 Bond addressed to such registered owner at his registered address and placed in the mails not less than thirty (30) nor more • than sixty (60) days prior to the date fixed for redemption; provided, however, that failure to give such notice by mailing, or any defect therein, shall not affect the validity of any proceeding for the redemption of any Series 2003 Bond with respect to which no such failure or defect has occurred. Any notice mailed as provided above shall be conclusively presumed to have been duly given, whether or not the registered owner receives the notice. Additional Bonds. The City may issue from time to time one or more series of Additional Bonds for the purpose of (i) financing Project costs in connection with the acquisition, construction and/or equipping of a Project, (ii) refunding the Series 2003 Bonds or any series of Additional Bonds, in whole or in part, or (iii) any combination thereof. Additional Bonds shall be secured equally and ratably with the Series 2003 Bonds and any other series of Additional Bonds theretofore issued and then Outstanding, except insofar as any terms or conditions of redemption or purchase established under the Indenture may afford additional benefit or security for the Bonds of any particular series and except for the security afforded by any municipal bond insurance obtained with respect to any particular series of Bonds. Before any Additional Bonds are authenticated, there shall be delivered to the Trustee the items required for the issuance of Bonds by the Indenture, plus a Certificate of the Finance & Internal Services Director of the City certifying that, based upon necessary investigation, the Tax Receipts deposited into the Revenue Fund during the most recent twelve (12) months were not less than (i) 125% of the maximum Annual Debt Service on all then Outstanding Bonds and Series 1995 Bonds, plus the Additional Bonds then proposed to be issued, and (ii) the amount, if any, needed to make required deposits to the Debt Service Reserve Fund. No Additional Bonds shall be issued unless there is no default at the time of issuance under the Indenture. Superior Obligations Prohibited. Except to the extent as provided above with respect to the issuance of Additional Bonds, so long as Bonds are Outstanding under the Indenture, the City has covenanted not to create or permit the creation of any indebtedness, or to issue any bonds, notes, warrants, certificates or other obligations or evidences of indebtedness payable in any manner from the Tax Receipts or otherwise from the Trust Estate which • (i) will in any way be superior to or rank on a parity with the Bonds, or (ii) will in any way be secured by a lien and charge on the Tax Receipts or on the moneys deposited in or to be deposited in the Revenue Fund, prior to or. equal • with the lien, pledge and charge created in the Indenture for.the security of the Bond's, or (iii) will be payable prior to or equal with the payments to be made from the Tax Receipts or the Revenue Fund into the Bond Fund or Debt Service Reserve Fund, or from said Bond Fund or Debt Service Reserve Fund for the payment of the Bonds. To that end, the City specifically covenants not to issue any additional bonds under the provisions of the trust indenture securing the Series 1995 Bonds. The City is not prohibited or restricted from issuing bonds payable from Tax Receipts so long as use of the Tax Receipts in favor of said bonds shall be made expressly subject and subordinate to the pledge and use of Tax Receipts to pay principal of and premium, if any, and interest on the Bonds and to make all required deposits into all funds held by the Trustee pursuant to the Indenture. Transfer or Exchange. The Bonds may be transferred on the books of registration kept by the Trustee by the registered owner in person or by the owner's duly authorized attorney, upon surrender thereof, together with a written instrument of transfer duly executed by the registered owner or the owner's duly authorized attorney. Upon surrender for transfer of any Bond at the principal corporate office of the Trustee, the City shall execute and the Trustee shall authenticate and deliver in the name of the transferee or transferees a new Bond or Bonds of the same series and in the same aggregate principal amount and of any authorized denomination or denominations. Transfers of registration or exchanges of Bonds shall be without charge to the Holders of such Bonds, but any taxes or other governmental charges required to be paid with respect to the same shall be paid by the Holder of the Bond requesting such transfer or exchange as a condition precedent to the exercise of such privilege. The Trustee shall not be required to transfer or exchange any Bond during the period from and including a Record Date to the next succeeding interest payment date of such Bond nor to transfer or exchange any Bond after the mailing of notice calling such Bond for redemption has been made, and prior to such redemption. So long as DTC or its nominee is the sole registered owner of the Series 2003 Bonds, transfers of beneficial interests in the Series 2003 Bonds shall be in accordance with the rules and procedures of DTC and its direct and indirect participants. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. • 1047615.3 SECURITY FOR THE BONDS • Tax Receipts. The Bonds, including the Series 2003 Bonds, are special obligations of the City secured by and payable from the revenues derived by the City from a one percent (1%) tax (the "Tax") levied upon (i) the gross receipts and gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City, and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants and similar businesses from the sale of prepared food and beverages for on -premises and off -premises consumption. The pledge of the receipts of the Tax (the "Tax Receipts") securing the Series 2003 Bonds is subject and subordinate to a prior pledge of said Tax Receipts securing the Series 1995 Bonds. The Series 1995 Bonds are presently outstanding in the aggregate principal amount of $700,000 and have a final maturity date of October 1, 2004. Pursuant to the Act, the City levied the Tax in 1977. The Tax is limited by statute to 3% of the amount of such gross receipts and proceeds. Pursuant to the Act and the Indenture, the City has pledged the Tax Receipts to the payment of the Bonds. The Advertising and Promotion Commission of the City of Fayetteville, Arkansas (the "Commission") has approved such pledge, as required by statute. The City has continuously collected the Tax since June 1, 1977, following approval by the citizens of the City in a special election held on May 3, 1977. The City has covenanted in the Indenture that, for so long as there are Outstanding Bonds, the Tax will not be repealed and the current Tax rate of 1% will not be reduced. In addition, the City has further covenanted that all necessary action will be taken, from time to time, to collect such tax in full amount due and to apply the Tax Receipts in the manner provided in the Indenture. The following table shows Tax Receipts for the years 1977 through 2002. The amounts in the table do not include the Parks Tax. Calendar Year Total Receipts 1977 $ 90,102 1978 185,514 1979 210,583 1980 235,547 1981 276,336 1982 - 303,269 1983 344,217 1984 394,034 1985 394,818 1986 437,419 1987 452,387 1988 470,323 1989 513,094 1990 555,694 1991 578,348 1992 659,193 1993 736,097 1994 866,253 1995 932,916 1996 956,093 1997 992,939 1998 1,094,521 1999 1,170,114 2000 1,254,310 2001 1,316,096 2002" 1,489,011 t11 Unaudited • Source: City records. 10-47615.3 The faith and credit of the City are not pledged to the payment of the Series 2003 Bonds, and the Series 2003 Bonds do not constitute an indebtedness of the City within the meaning of any constitutional or • statutory debt limitation or restriction. The issuance of the Series 2003 Bonds shall not directly, indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the payment of the Series 2003 Bonds, except as described herein with respect to the Tax Receipts. Debt Service Reserve. From the proceeds of sale of each series of Bonds issued pursuant to the Indenture, there shall be deposited into the Debt Service Reserve Fund an amount which, together with the amounts then on deposit therein, will be equal to the least of (a) 10% of the face amount of [all] [each series of] Outstanding Bonds, (b) the maximum Annual Debt Service on [all] [each series of] Outstanding Bonds, or (c) 1.25 times the average Annual Debt Service on [all] [each series of] Outstanding Bonds. For all purposes of this Indenture, the Reserve Requirement may be satisfied by cash or by Investment Obligations. The Debt Service Reserve Fund shall be used solely to pay the principal of and interest on Outstanding Bonds as due for which there are no available funds in the Bond Fund to make such payments. If the amount in the Debt Service Reserve Fund is ever reduced below the Reserve Requirement, it shall be reimbursed to an amount equal to the Reserve Requirement through monthly payments, beginning not later than the fifteenth day of the month following the month in which the Debt Service Reserve Fund was reduced below the Reserve Requirement, and continuing not later than the fifteenth day of each month thereafter until such reimbursement shall have been accomplished, from any funds in the Revenue Fund (after making the required deposits into the Interest Account and Principal Account of the Bond Fund, as provided in the Indenture). If a surplus shall exist in the Debt Service Reserve Fund over and above the Reserve Requirement, such surplus shall be transferred to the Interest Account of the Bond Fund. The moneys on deposit in the Debt Service Reserve Fund may be used, together with other available funds, to provide for the payment at maturity or to redeem prior to maturity all, but not less than all, of the Outstanding Bonds. BOOK -ENTRY ONLY SYSTEM • The Series 2003 Bonds will be issued only as one fully registered Series 2003 Bond for each maturity, in the name of Cede & Co., as nominee for The Depository Trust Company, New York, New York ("DTC"), as registered owner of all the Series 2003 Bonds. The fully registered Series 2003 Bonds will be retained and immobilized in the custody of DTC. DTC (or any successor securities depository) or its nominee for all purposes under the Indenture will be considered by the City and the Trustee to be the owner or holder of the Series 2003 Bonds. Owners of any book entry interests in the Series 2003 Bonds (the "book entry interest owners") described below, will not receive or have the right to receive physical delivery of the Series 2003 Bonds, and will not be considered by the City and the Trustee to be, and will not have any rights as, owners or holders of the Series 2003 Bonds under the bond proceedings and the Indenture except to the extent, if any, expressly provided thereunder. CERTAIN INFORMATION REGARDING DTC AND DIRECT PARTICIPANTS IS SET FORTH BELOW. THIS INFORMATION HAS BEEN PROVIDED BY DTC. THE CITY, THE UNDERWRITER AND BOND COUNSEL ASSUME NO RESPONSIBILITY FOR THE ACCURACY OF SUCH STATEMENTS. DTC, the world's largest depository, is a limited -purpose trust company organized under the New York Banking Law, a "banking organization" within the meaning of the New York Banking Law, a member of the Federal Reserve System, a "clearing corporation" within the meaning of the New York Uniform Commercial Code, and a "clearing agency" registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934. DTC holds and provides asset servicing for over two million issues of U.S. and non-U.S. equity issues, corporate and municipal debt issues and money market instruments from over 85 countries that DTC's participants ("Direct Participants") deposit with DTC. DTC also facilitates the post -trade settlement among Direct Participants of sales and other securities transactions in deposited securities, through electronic computerized book -entry transfers and pledges among Direct Participants' accounts. This eliminates the need for physical movement of securities certificates. Direct Participants include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing corporations, and certain other organizations. DTC is a wholly -owned subsidiary of The Depository Trust & Clearing Corporation ("DTCC"). DTCC, in turn, is owned by a number of Direct Participants • of DTC and by Members of the National Securities Clearing Corporation, Government Securities Clearing Corporation, MBS Clearing Corporation and Emerging Markets Clearing Corporation (NSCC, GSCC, MBSCC and EMCC, also subsidiaries of DTCC), as well as by the New York Stock Exchange, Inc., the American Stock 10-47615.3 Exchange LLC, and the National Association of Securities Dealers, Inc. Access to the DTC system is also available to others such as both U.S. and non-U.S. securities brokers and dealers, banks, trust companies and clearing • corporations that clear through or maintain a custodial relationship with a Direct Participant, either directly or indirectly ("Indirect Participants"). The DTC Rules applicable to its Direct and Indirect Participants are on file with the Securities and Exchange Commission. More information about DTC can be found at www.dtc.com. Purchases of Series 2003 Bonds under the DTC system must be made by or through Direct Participants, which will receive a credit for the Series 2003 Bonds on DTC's records. The ownership interest of each actual purchaser of each Series 2003 Bond ("Beneficial Owner") is in turn to be recorded on the Direct and Indirect Participants' records. Beneficial Owners will not receive written confirmation from DTC of their purchase, but Beneficial Owners are expected to receive written confirmations providing details of the transaction, as well as periodic statements of their holdings, from the Direct or Indirect Participant through which the Beneficial Owner entered into the transaction. Transfers of ownership interests in the Series 2003 Bonds are to be accomplished by entries made on the books of Direct and Indirect Participants acting on behalf of Beneficial Owners. Beneficial Owners will not receive certificates representing their ownership interests in Series 2003 Bonds, except in the event that use of the Book -Entry System for the Series 2003 Bonds is discontinued. To facilitate subsequent transfers, all Series 2003 Bonds deposited by Direct Participants with DTC are registered in the name of DTC's partnership nominee, Cede & Co. or such other name as may be requested by an authorized representative of DTC. The deposit of Series 2003 Bonds with DTC and their registration in the name of Cede & Co. or such other nominee do not effect any change in beneficial ownership. DTC has no knowledge of the actual Beneficial Owners of the Series 2003 Bonds, DTC's records reflect only the identity of the Direct Participants to whose accounts such Series 2003 Bonds are credited, which may or may not be the Beneficial Owners. The Direct and Indirect Participants will remain responsible for keeping account of their holdings on behalf of their customers. Conveyance of notices and other communications by DTC to Direct Participants, by Direct Participants to Indirect Participants, and by Direct Participants and Indirect Participants to Beneficial Owners will be governed by arrangements among them, subject to any statutory or regulatory requirements as may be in effect from time to time. Redemption notices shall be sent to DTC. If less than all of the Series 2003 Bonds within a maturity are to be • redeemed, DTC's practice is to determine by lot the amount of the interest of each Direct Participant in such maturity to be redeemed. Neither DTC nor Cede & Co. (nor such other DTC nominee) will consent or vote with respect to the Series 2003 Bonds unless authorized by a Direct Participant in accordance with DTC's Procedures. Under its usual procedures, DTC mails an Omnibus Proxy to the City as soon as possible after the Record Date. The Omnibus Proxy will assign Cede & Co.'s consenting or voting rights to those Direct Participants to whose accounts the Series 2003 Bonds are credited on the Record Date (identified in a listing attached to the Omnibus Proxy). Payment of debt service and redemption proceeds with respect to the Series 2003 Bonds will be made to Cede & Co., or such other nominee as may be requested by an authorized representative of DTC. DTC's practice is to credit Direct Participants' accounts upon DTC's receipt of funds and corresponding detail information from the City or the Trustee on payable date in accordance with their respective holdings shown on DTC's records. Payments by Participants to Beneficial Owners will be governed by standing instructions and customary practices, as is the case with securities held for the accounts of customers in bearer form or registered in "street name," and will be the responsibility of such Participant and not of DTC, the Trustee or the City, subject to any statutory or regulatory requirements as may be in effect from time to time. Payment of redemption proceeds and debt service to Cede & Co. (or such other nominee as may be requested by an authorized representative of DTC) is the responsibility of the City or the Trustee, disbursement of such payments to Direct Participants will be the responsibility of DTC, and disbursement of such payments to the Beneficial Owners will be the responsibility of Direct and Indirect Participants. BENEFICIAL OWNERS SHOULD CONSULT WITH THE DIRECT PARTICIPANTS OR INDIRECT PARTICIPANTS FROM WHOM THEY PURCHASE A BOOK ENTRY INTEREST TO OBTAIN INFORMATION CONCERNING THE SYSTEM MAINTAINED BY SUCH DIRECT PARTICIPANTS OR INDIRECT PARTICIPANTS TO RECORD SUCH INTERESTS, TO MAKE PAYMENTS, TO FORWARD NOTICES OF REDEMPTION AND OF OTHER INFORMATION. • THE CITY AND THE TRUSTEE HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY ASPECTS OF THE RECORDS OR NOTICES RELATING TO, OR PAYMENTS MADE ON ACCOUNT OF, BOOK ENTRY INTEREST OWNERSHIP, OR FOR MAINTAINING, SUPERVISING OR REVIEWING ANY RECORDS RELATING TO THAT OWNERSHIP. 10-47615.3 The Trustee and the City, so long as a book entry method of recording and transferring interest in the Series 2003 Bonds is used, will send any notice of redemption or of any Indenture amendment or supplement or other notices to Bondholders under the Indenture only to DTC (or any successor securities depository) or its nominee. Any failure of DTC to advise any Direct Participants, or of any Direct Participants or Indirect Participants to notify any Beneficial Owner, of any such notice and its content or effect will not affect the validity of the redemption of the Series 2003 Bonds called for redemption, the Indenture amendment or supplement, or any other action premised on notice given under the Indenture. The City and the Trustee cannot and do not give any assurances that DTC, Direct Participants, Indirect Participants or others will distribute payments of debt service on the Series 2003 Bonds made to DTC or its nominee as the registered owner of the Series 2003 Bonds, or any redemption or other notices, to the Beneficial Owners, or that they will do so on a timely basis, or that DTC will serve and act in a manner described in this Official Statement. DTC may discontinue providing its services as securities depository with respect to the Series 2003 Bonds at any time by giving reasonable notice to the City or the Trustee. Under such circumstances, in the event that a successor securities depository is not obtained, bond certificates are required to be printed and delivered. In addition, the City may decide to discontinue use of the system of book -entry transfers through DTC (or a successor securities depository). In that event, bond certificates will be printed and delivered. IS3_D10111il_1JIi;[ ' ` ll"73M] Purpose. A portion of the proceeds of the Series 2003 Bonds will be utilized, along with other available moneys, to effect a current refunding of $6,620,000 outstanding principal amount of the City's Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998 (the "Series 1998 Bonds"). The Series 1998 Bonds were originally issued to finance a portion of the costs of construction of the Fayetteville Town Center, a multipurpose civic center located on the south side of the downtown square. Refunded Bonds. The Series 1998 Bonds will be called for redemption by the City on October 1, 2003, • pursuant to the provisions of the trust indenture under which the Series 1998 Bonds were issued, and will be paid from funds•deposited with the Bank of Oklahoma, N.A., Tulsa, Oklahoma, as escrow trustee (the "Escrow Trustee") under the provisions of an Escrow Deposit Agreement to be dated as of the date of delivery of the Series 2003 Bonds (the "Escrow Agreement"), between the City and the Escrow Trustee. The Indenture provides that a portion of the proceeds from the sale of the Series 2003 Bonds, together with moneys released from the bond fund and the debt service reserve fund relating to the Series 1998 Bonds, will be held by the Escrow Trustee under the Escrow Agreement in an escrow fund (the "Escrow Fund") and used to purchase direct obligations of the United States of America (or their equivalents) (the "Defeasance Securities"). The Underwriter will verify at the time of delivery of the Series 2003 Bonds that the Defeasance Securities will mature and yield interest in such amounts which, together with uninvested funds, if any, in the Escrow Fund will be sufficient to pay, when due, the principal of and interest on the Series 1998 Bonds. Pursuant to the terms of the Escrow Agreement, the Escrow Fund is irrevocably pledged to the payment of the principal of and interest on the Series 1998 Bonds. By the deposit of Defeasance Securities and uninvested cash with the Escrow Trustee pursuant to the Escrow Agreement, the City will have defeased the Series 1998 Bonds. In the opinion of Bond Counsel, the Series 1998 Bonds will no longer be payable from, or secured by a pledge of, the Tax Receipts, but will be payable solely from the principal of and the interest on the Defeasance Securities and uninvested cash held for such purpose by the Escrow Trustee, and the pledge of Tax Receipts securing the Series 1998 Bonds, together with all other obligations of the City to the holders of the Series 1998 Bonds under the trust indenture securing the Series 1998 Bonds, will be discharged. C1 10-47615.3 ESTIMATED SOURCES AND USES OF FUNDS • The proceeds of the Series 2003 Bonds are expected to be used as follows: Sources of Fundsltl Series 2003 Bond Proceeds $ Series 1998 Bond Fund and Reserve Fund Total Sources: $ Uses of Funds(' Transfer to Escrow Trustee $ [Debt Service Reserve Fund Deposit) [Purchase of Surety Bond] [Bond Insurance Premium] Costs of Issuance and Underwriter's Discount Contingency Total Uses Preliminary; subject to change. ESTIMATED DEBT SERVICE REQUIREMENTS As of the date of closing, the Series 1995 Bonds and the Series 2003 Bonds will constitute the only debt obligations secured by the Tax Receipts. The following table sets forth estimates of the amounts required to pay scheduled principal of and interest on the Series 1995 Bonds and the Series 2003 Bonds during each year: • Series 1995 Series 1995 Series 2003 Series 2003 Total Debt Year . Principal Interest Principal Interest ltl Service 2003 $ 340,000 $ 36,581 $ $ $ 2004 360,000 18,900 2005 - - 2006 - - 2007 - - 2008 - - 2009 - - 2010 - - 2011 - - 2012 - - 2013 - - 2014 - - 2015 - - ttLILIXIII1, (U Preliminary; subject to change. Assuming for purposes of this Preliminary Official State, an average coupon rate on the Series 2003 Bonds of % per annum. r LJ 10-47615.3 8 ESTIMATED DEBT SERVICE COVERAGE The following table shows estimated maximum annual debt service coverage with respect to the Series • 1995 Bonds and the Series 2003 Bonds utilizing Tax Receipts for the year ended December 31, 2002. Historical Tax Receipts('! $1,489,011 Maximum Annual Debt Service Requirement on the Series 1995 Bonds and the Series 2003 Bonds(2) Maximum Annual Debt Service Coverage X See the caption "SECURITY FOR THE BONDS — Tax Receipts" herein. (2) Preliminary; subject to change. See the caption "ESTIMATED DEBT SERVICE REQUIREMENTS" herein. THE COVERAGE NUMBERS SET FORTH ABOVE ARE BASED ON HISTORICAL COLLECTIONS OF TAX RECEIPTS. ACTUAL COLLECTIONS OF TAX RECEIPTS WILL DEPEND ON NUMEROUS FACTORS, AND THERE CAN BE NO ASSURANCE THAT FUTURE TAX RECEIPTS AVAILABLE TO PAY DEBT SERVICE ON THE SERIES 1995 BONDS AND THE SERIES 2003 BONDS WILL APPROXIMATE SUCH HISTORICAL RESULTS. THE CITY General. The City is a city of the first class organized and existing under the laws of the State of Arkansas. The City is the seat of government of Washington County (the "County") and is the fourth largest city in the State. The City is located in the Metropolitan Statistical Area of Fayetteville/Springdale/Rogers (the "MSA"), which includes all of Washington and Benton Counties in the northwest corner of the State and is approximately 185 miles northwest of Little Rock, Arkansas, 125 miles east of Tulsa, Oklahoma, and 210 miles south of Kansas City, Missouri. The City is served by U.S. Interstate 540, U.S. Highways 62 and 71, and State Highways 16, 45, 112, 156, 180 and 265. The Burlington Northern Railroad has several lines running through the City, and a general aviation airport with a 6,006 -foot runway is available for limited commuter travel. The Northwest Arkansas Regional Airport is located approximately 40 minutes from downtown Fayetteville and provides daily flights to numerous venues. Government. The City currently operates under the Mayor -Council form of government pursuant to which a mayor, city attorney, city clerk and eight aldermen are elected, two from each of the City's four wards. The mayor, city attorney and city clerk are full-time positions elected to four year terms. Aldermen also serve four year terms. The City's elected officials and the dates on which their respective terms expire are as follows: Name Office Term Expires Dan Coody Mayor 12/31/04 Kit Williams City Attorney 12/31/06 Sondra Smith City Clerk 12/31/04 Kyle Cook Alderman 12/31/06 Bob Davis Alderman 12/31/04 Lioneld Jordan Alderman 12/31/04 Shirley Lucas Alderman 12/31/06 Don Marr Alderman 12/31/04 Robert Reynolds Alderman 12/31/06 Robert Rhoades Alderman 12/31/06 Brenda Thiel Alderman 12/31/04 • 10-47615.3 Population. The following is a table of population changes for the City, the MSA and the State of Arkansas, according to the United States Census Bureau: • City of State of Year Fayetteville MSA Arkansas 1960 20,274 92,069 1,786,272 1970 30,729 127,846 1,923,322 1980 36,608 178,609 2,286,435 1990 42,099 210,908 2,350,624 2000. 58,047 311,121 2,673,400 Economic Data. Per capita personal income figures for the MSA and the State of Arkansas are as follows: State of Year MSA Arkansas 1992 $18,260 $16,425 1993 18,765 16,995 1994 19,590 17,750 1995 20,193 18,546 1996 20,870 19,442 1997 21,586 20,228 1998 22,893 21,256 1999 24,213 22,223 2000 23,316 21,995 Source: Bureau of Economic Analysis. Retail sales figures for the MSA and the State are as follows: State of MSA as % of Year MSA Arkansas State of Arkansas • 1993 $1,880,105,000 $16,997,721,000 11.06% 1994 2,217,229,000 19,090,516,000 11.61 1995 2,486,425,000 20,998,923,000 11.84 1996 2,692,554,000 22,053,022,000 12.21 1997 2,845,968,000 22,872,236,000 12.44 1998 3,018,896,000 23,944,647,000 12.61 1999* n/a n/a n/a 2000 3,526,791,000 28,488,033,000 12.38 2001 3,806,422,000 29,652,693,000 12.84 2002 3,841,326,000 29,269,775,000 13.12 * Methodology changed to calendar year basis. No reliable information is available for 1999. Source: Sales and Marketing Management Survey of Buyer Power. The following table shows the total assessed value of non -utility real and personal property within the City for the years indicated: Year Real Property Personal Property Total 1994 $245,093,513 $ 86,322,277 $331,415,790 1995 340,593,452 101,274,620 441,868,072 1996 359,369,202 113,157,365 472,526,567 1997 382,798,143 120,064,627 502,862,770 1998 401,001,338 127,575,096 528,576,434 1999 413,648,415 137,404,499 551,052,914 2000 432,951,171 145,147,891 578,099,062 2001 486,853,822 155,794,579 642,648,401 2002 Source: Washington County Tax Assessor's Office. The assessed value represents 20% of the appraised value of property. 10-47615.3 10 Building permits issued by the Citylll are shown below for the years indicated: • 1998 1999 2000 2001 2002 Residential Building Permits 304 451 361 339 328 Commercial Building Permits 41 59 27 38 35 Value of All Building Permits $58,948.911 $100,744,816 $121,887,263 $85,262,302 $100,809,486 Ill Does not include building activity of the University of Arkansas, school permits and additions/alterations to existing structures. Source: City of Fayetteville. Unemployment figures for the MSA and the State of Arkansas, according to the U.S. Bureau of Labor Statistics, are as follows: Year MSA State of Arkansas 1994 2.4% 5.3% 1995 2.4 4.9 1996 2.9 5.4 1997 3.0 5.3 1998 3.2 5.5 1999 2.4 4.5 2000 2.1 .4.4 2001 1.7 5.1 2002 2.4 5.4 2003* 2.6 4.9 * February 2003 only; preliminary. Source: Arkansas Employment Security Department ' Employment and Industry. The principal campus of the University of Arkansas is located in the City and had total enrollment for the Spring semester of 2003 of approximately 15,068. For the 2002-03 fiscal year ending June 30, 2003, the University has an operating budget in excess of $318 million, which does not include the agricultural experimentation station or other associated operations. On the Fayetteville campus, the University employs approximately 2,522 faculty, administrative, secretarial, clerical and maintenance personnel in both full- time and part-time positions, making the University the largest employer in the City. Other major employers in the City, their products or services and approximate number of employees are set forth below: Employer Product or Service Employee Range Pinnacle Foods, International Frozen Dinners 1,000-2,499 Superior Industries Cast Aluminum Wheels 1,000-2,499 Washington Regional Medical Center Medical 1,000-2,499 Fayetteville School District Education 500-999 Tyson's Mexican Original Mexican Food Products 500-599 Arkansas Western Gas Co. Utilities 300-499 Ayrshire Electronics Manufacturing 300-499 City of Fayetteville Government 300-499 Dillards Department Store Retail 300-499 Hanna's Potpourri, Soup, Candles 300499 McClinton -Anchor Co. Limestone & Hot Mix 300-499 Tyson's Entr�e Div. Frozen Dinner Entrees 300-499 Veteran's Admin. Medical Center Medical 300-499 • Source: Fayetteville Chamber of Commerce. 10-47615.3 11 THE COMMISSION • Pursuant to the authority of the Act, the Advertising and Promotion Commission of the City of Fayetteville, Arkansas (the "Commission") was created by ordinance of the City dated March 1, 1977. The,Coinmission is responsible for the advertising and promotion of the City and its environs and oversees the leasing of certain City - owned convention facilities to the Board of Trustees of the University of Arkansas. The Commission is composed of four members appointed by the City Council, who are hotel, motel or restaurant owners or managers. The three remaining members are two aldermen on the City Council and one member from the public at large. The present members of the Commission are as follows: Member Term Expires Bob Davis, Chairman Dan Coody Neal Crawford Pat Gazzola David McGeady Ching Mong Curtis Shipley (City Council Member) (Mayor) 4/1/07 4/1/06 4/1/04 4/1/05 4/1/05 DEFINITIONS OF CERTAIN TERMS The following are definitions of certain terms used in this Official Statement: "Account" means an Account established by Article V of the Indenture. "Act" means the Advertising and Promotion Commission Act, codified as Arkansas Code Annotated (1997 Repl.) Sections 26-75-601 et seq., as from time to time amended. "Additional Bonds" means Bonds in addition to the Series 2003 Bonds which are issued under the provisions of Section 212 of the Indenture. • "Additional Convention Facilities" means land, buildings, structures, machinery, furniture, fixtures, equipment and all related or necessary tangible property constituting convention center improvements which are permitted to be financed under the provisions of the Act. "Annual Debt Service" means, with respect to all or any particular amount of Bonds, the Debt Service for any particular Fiscal Year required to be paid or set aside during such Fiscal Year, less the amount of such payment which is provided from the proceeds of the sale of Bonds or from sources other than Tax Receipts. "Authorized Representative" means either the Mayor or the Finance & Internal Services Director of the City and such additional persons as from time to time may be designated to act on behalf of the City by a Certificate furnished to the Trustee containing the specimen signature thereof and executed on behalf of the City by its Mayor. "Authorizing Ordinance" means Ordinance No._, adopted by the City on , 2003, which authorized the issuance of the Series 2003 Bonds pursuant to the Indenture. `Beneficial Owner" means any Person who acquires beneficial ownership interest in a Bond held by the Securities Depository. In determining the Beneficial Owner of any Bond, the Trustee may rely exclusively upon written representations made and information given to the Trustee by the Securities Depository or its Participants with respect to any Bond held by the Securities Depository in which a beneficial ownership interest is claimed. "Bond Counsel" means any firm of nationally recognized municipal bond counsel selected by the City and acceptable to the Trustee. "Bond Fund" means the fund by that name created and established in the Indenture. "Bonds" mean the Series 2003 Bonds and all Additional Bonds, if any, issued by the City pursuant to the Indenture. "Book -Entry System" means the book -entry system maintained by the Securities Depository and described in the Indenture. • "Certificate" means a document signed by an Authorized Representative of the City attesting to or acknowledging the circumstances or other matters therein stated. 10-47615.3 12 "City" means the City of Fayetteville, Arkansas, a municipality and political subdivision under the laws of the State of Arkansas. • "City Clerk" means the person holding the office and performing the duties of the City Clerk of the City. "Closing Date" means, with respect to any series of Bonds, the date upon which there is an exchange of such series of Bonds for the proceeds representing the purchase price for such series of Bonds by the Original Purchaser or Purchasers thereof. "Code" means the Internal Revenue Code of 1986, as from time to time amended, and applicable regulations issued or proposed thereunder. "Commission" means the Advertising and Promotion Commission of the City of Fayetteville, Arkansas, or any successor thereto. "Continuing Disclosure Agreement" means, collectively, each Continuing Disclosure Agreement between the City and the Trustee, dated the date of issuance and delivery of a series of Bonds, as originally executed and as amended from time to time in accordance with the terms thereof. "Cost of Issuance Fund" means the fund by that name created and established in the Indenture. "Costs of Issuance" means all items of expense payable or reimbursable directly or indirectly by the City and related to the authorization, sale and issuance of the Bonds, including, but not limited to, underwriting discounts, fees and expenses, election expenses, publication expenses, expenses of printing, reproducing, filing and recording documents, initial fees and charges of the Trustee and any Paying Agent, fees and expenses for legal, accounting and other professional services, rating fees, costs of securing any credit enhancement for the Bonds, costs of execution, transportation and safekeeping of the Bonds, and other costs, charges and fees incurred in connection with the foregoing. "Debt Service" means, with respect to all or any particular amount of Bonds for any Payment Period, the amount required to pay the sum of the interest on such Bonds payable during the Payment Period and the principal of, and any other amount required to effect any mandatory redemption of, such Bonds, if any, during the Payment • Period. • "Debt Service Reserve Fund" means the fund by that name created and established in the Indenture. "Event of Default" means any event of default specified in Section 801 of the Indenture. "Fiscal Year" means the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. "Fund" means a fund confirmed or established by the Indenture. "Government Securities" means (i)bonds, notes, certificates of indebtedness, treasury bills or other securities constituting direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America (including any such securities issued or held in book -entry form on the books of the Department of Treasury of the United States of America), and (ii)evidences of direct ownership or proportionate or individual interest in future interest or principal payments on specified direct obligations of, or obligations on which the full and timely payment of principal and interest is fully and unconditionally guaranteed by, the United States of America, which obligations are held by a bank or trust company organized and existing under the laws of the United States of America or any state thereof in the capacity of custodian in form and substance satisfactory to the Trustee. "Holder" or "Bondholder" or "Owner of the Bonds" means the registered owner of any Bond. "Indenture" means the Trust Indenture dated as of July!, 2003, between the City and the Trustee, pursuant to which the Bonds are issued, and any amendments and supplements thereto. "Interest Payment Date" means any date on which interest is payable on the Bonds. "Investment Obligations" means, if and to the extent the same are at the time legal for investment of Funds and Accounts held under the Indenture: • (a) Government Securities; 10-47615.3 13 (b) bonds, notes or other obligations of any state of the United States of America or any • political subdivision of any state, which at the time of their purchase are rated in either of the two highest rating categories by a nationally recognized Rating Agency; (c) certificates of deposit or time or demand deposits constituting direct obligations of any bank, bank holding company, savings and loan association or trust company organized under the laws of the United States of America or any state thereof (including the Trustee or any of its affiliates), except that investments may be made only in certificates of deposit or time or demand deposits which are: (1) insured by the Federal Deposit Insurance Corporation, or any other similar United States Government deposit insurance program then in existence; or (2) continuously and fully secured by Government Securities, which have a market value, exclusive of accrued interest, at all times at least equal to the principal amount of such certificates of deposit or time or demand deposits; (d) short term discount obligations of the Federal National Mortgage Association and the Government National Mortgage Association; (e) money market mutual funds (1)that invest in Government Securities or that are registered with the federal Securities and Exchange Commission (SEC), meeting the requirements of Rule 2a-7 under the Investment Company Act of 1940, and (2)that are rated in either of the two highest categories by a nationally recognized Rating Agency; and [(f) with respect to the Debt Service Reserve Fund only, the Surety Bond.] "Mayor" means the person holding the office and performing the duties of the Mayor of the City. "Original Purchaser" means the first purchaser(s) of a series of Bonds from the City. "Outstanding" means, as of any date of computation. Bonds theretofore or thereupon being delivered under • the Indenture, except: (a) Bonds cancelled at or prior to such date or delivered to or acquired by the Trustee at or prior to such date for cancellation; (b) Bonds deemed to be paid in accordance with Article VII of the Indenture; and (c) Bonds in lieu of or in exchange or substitution for which other Bonds shall have been authenticated and delivered pursuant to the Indenture. "Participants" means those financial institutions for whom the Securities Depository effects book -entry transfers and pledges of securities deposited with the Securities Depository in the Book -Entry System, as such listing of Participants exists at the time of such reference. "Payment Period" means a period from, but not including, a Principal Payment Date up to, and including, the next succeeding Principal Payment Date. "Person" means any natural person, firm, association, corporation, limited liability company, partnership, joint stock company, joint venture, trust, unincorporated organization or firm, or a government or any agency or political subdivision thereof or other public body. "Principal Payment Date" means any date on which principal is payable on the Bonds, whether at maturity, by operation of the mandatory sinking fund, or otherwise. "Project" means the 1998 Project and any Additional Convention Facilities that may be acquired, constructed and equipped in the future with the proceeds of Bonds. "1998 Project" means the construction of the Fayetteville Town Center, financed in part with the proceeds of the Series 1998 Bonds. "Qualified Engineer" means an independent consulting engineer or firm of independent consulting • engineers not in the regular employ of the City. "Rating Agency" means Moody's Investors Service, Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies, Inc., or Fitch, Inc., and their respective successors and assigns. If any such 10-47615.3 14 corporation ceases to act as a securities rating agency, the City may appoint any nationally recognized securities rating agency as a replacement. • "Rebate Fund" means the fund by that name created and established in the Indenture. "Record Date" means the close of business on the fifteenth day of the calendar month next preceding each Interest Payment Date on the Bonds or, if such day shall not be a business day, the immediately preceding business day. "Redemption Fund" means the fund by that name established in the Indenture. "Reserve Requirement" means, at any particular time, an amount equal to the least of (a) 10% of the face amount of [all] [each series of] Outstanding Bonds, (b) the maximum Annual Debt Service on [all] [each series of] Outstanding Bonds, or (c) 1.25 times the average Annual Debt Service on [all] [each series of] Outstanding Bonds. "Revenue Fund" means the fund by that name confirmed and continued in the Indenture. "Securities Depository" means The Depository Trust Company, a limited -purpose trust company organized under the laws of the State of New York, or its nominee, and its successors and assigns, or any other depository institution appointed by the City to act as depository for the Bonds in connection with the Book -Entry System.. "Series 1995 Bonds" means the $2,675,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 1995, dated October 1, 1995, of which $700,000 in principal amount presently remains Outstanding. "Series 1998 Bonds" means the $6,950,000 City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Bonds, Series 1998, dated November 1, 1998, of which $6,620,000 in principal amount presently remains Outstanding. "Series 2003 Bonds" means the City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003, dated July 1, 2003, issued under and secured by the Indenture in the aggregate principal amount of $ • "State" means the State of Arkansas. "Supplemental Indenture" means any indenture supplemental to or amendatory of the Indenture. ["Surety Bond" means the Surety Bond issued by guaranteeing certain payments into the Debt Service Reserve Fund with respect to the Series 2003 Bonds as provided therein and subject to the limitations set forth therein.] "Tax" means the one percent (1%) tax (the "Tax") originally levied in 1977 upon (i) the gross receipts and gross proceeds derived from renting, leasing or otherwise furnishing hotel or motel accommodations for profit within the boundaries of the City, and (ii) the portion of gross receipts or gross proceeds received by restaurants, cafes, cafeterias, delis, drive-in restaurants, carry -out restaurants, concession stands, convenience stores, grocery store -restaurants and similar businesses from the sale of prepared food and beverages for on -premises and off - premises consumption. "Tax Receipts" means receipts derived by the City from the levy of the Tax. "Tax Regulatory Agreement" means with respect to any series of Bonds, that Tax Regulatory Agreement of the City relating to maintenance of the excludability of interest on such Bonds from gross income for federal income tax purposes, delivered in connection with the issuance of such series of Bonds. "Trustee" and "Paying Agent" means the trustee and paying agent for the time being, whether original or successor, with the same institution to always occupy both positions, and with the original Trustee and Paying Agent being Bank of Oklahoma, N.A., Tulsa, Oklahoma. "Trust Estate" means the property described in the granting clauses of the Indenture. Preliminary; subject to change. 10-07615.3 I5 :YIDSlan:i'(I]aY11alN1Ilal.ltIJt1t • The following statements are brief summaries of certain provisions of the Indenture. The statements do not purport to be complete, and reference is made to the Indenture, copies of which are available for examination at the offices of the City Clerk, for a full statement thereof. Funds and Accounts. The Tax Receipts are pledged by the Indenture to the payment of the principal of and interest on the Bonds. The Indenture confirms and continues the Revenue Fund established by the trust indenture securing the Series 1995 Bonds. In addition, the following Funds and Accounts are established with the Trustee in connection with the Bonds: _ Funds and Accounts Bond Fund, and a Principal Account and an Interest Account therein Debt Service Reserve Fund Redemption Fund Cost of Issuance Fund Rebate Fund Application of Tax Receipts. The application of Tax Receipts is as follows: (a) Revenue Fund. All Tax Receipts shall, as and when received, be deposited into the Revenue Fund. The Revenue Fund is maintained by the City as a segregated fund. Moneys at any time on deposit in the Revenue Fund are to be applied, as needed, on a monthly basis (following any necessary application to the bond fund and debt service reserve fund for the Series 1995 Bonds) to provide for the payment of Debt Service on the Bonds, to the maintenance of the Debt Service Reserve Fund, to the payment of any arbitrage rebate due under Section 148(I) of the Code, and to the payment of fees and expenses of the Trustee and any Paying Agent, at the times and in the amounts set forth as follows: • (b) Bond Fund. On or before the fifteenth day of each month, commencing July 15, 2003, there shall be transferred from the Revenue Fund (1) into the Interest Account of the Bond Fund, an amount equal to 1/6 of the interest on the Bonds due on the next Interest Payment Date, and (ii) into the Principal Account of the Bond Fund, an amount equal to 1/12 of the principal on the Bonds due on the next Principal Payment Date. Moneys in the Bond Fund shall be used solely for the purpose of paying Annual Debt Service on the Bonds, as provided in the Indenture. The Trustee shall withdraw from the Bond Fund, on the date of any principal or interest payment, an amount equal to such payment for the sole purpose of paying the same. If Tax Receipts in the Revenue Fund are insufficient to make the required monthly payment into the Bond Fund, the amount of any such deficiency in the payment made shall be added to the amount otherwise required to be paid into the Bond Fund in the next succeeding month. When the moneys held in the Bond Fund, the Debt Service Reserve Fund and the Redemption Fund shall be and remain sufficient to pay in full the principal of and interest on all Bonds then Outstanding in accordance with the Indenture, together with the required fees and expenses to be paid or reimbursed to the Trustee and Paying Agent, the City shall have no further obligation to make payments into such Funds. (c) Debt Service Reserve Fund. See the caption "SECURITY FOR THE BONDS — Debt Service Reserve" herein. (d) Redemption Fund. There shall be deposited to the credit of the Redemption Fund the moneys necessary to effect an optional redemption of the Bonds. Moneys in the Redemption Fund shall be transferred to the Principal Account of the Bond Fund at such times as may be necessary to effectuate redemptions of the Bonds on the first available redemption date. See the caption "THE SERIES 2003 BONDS — Redemption" herein. (e) Cost of Issuance Fund. A portion of the proceeds of the Series 2003 Bonds shall be deposited to the credit of the Cost of Issuance Fund. The Trustee shall pay those Costs of Issuance as directed by the City pursuant to a Certificate delivered on a Closing Date. After all Costs of Issuance have been paid with respect to a series of Bonds, any remaining moneys in the Cost of Issuance Fund shall be transferred to the Interest Account of . the Bond Fund. (f) Rebate Fund. The Trustee shall establish and maintain, separate and apart from any other Funds and Accounts established and maintained under the Indenture, the Rebate Fund, which Fund is not pledged to the 10-47615.3 16 payment of an Bonds. Subject to transfer to the United States in payment of any arbitrage rebate due under Section 148(t) of the Code, all moneys at any time deposited in the Rebate Fund shall be held by the Trustee in trust, and . neither the City nor the Owner of any Bond shall have any rights in or claim to such money. Any amounts remaining in the Rebate Fund after payment in full of the rebate amount owing to the United States, within sixty (60) days after the date on which the last Bond is redeemed, shall be transferred to the Revenue Fund. Any moneys remaining in the Revenue Fund following the required transfers described above may be used for any lawful purpose as determined by the Commission. Investment of Funds. At the direction of the City or absent such direction, the Trustee shall invest moneys in Funds or Accounts held by the Trustee in Investment Obligations with maturity or redemption dates consistent with the times at which said moneys will be required for the purposes provided in the Indenture; provided, however, the stated maturity dates of Investment Obligations of Debt Service Reserve Fund moneys shall not exceed five years from the date of investment therein. Moneys in separate Funds or Accounts may be commingled for the purpose of investment. Obligations purchased as an investment of moneys in any Fund or Account created by the Indenture shall be deemed at all times to be a part of such Fund or Account, and any income or loss due to an investment thereof shall be charged to the respective Fund or Account for which the investment was made except as otherwise provided in the Indenture. Valuation of Funds and Accounts. Investments in any Fund or Account shall be evaluated monthly by the Trustee. For the purpose of determining the amount in any Fund or Account, the City and the Trustee shall value all Investment Obligations credited to such Fund or Account at the price at which such Investment Obligations are redeemable by the Holders or owners thereof at their option if so redeemable, or, if not so redeemable, at the lesser of (i)the cost of such Investment Obligations minus the amortization of any premium or plus the amortization of any discount thereon and (ii)the market value of such Investment Obligations, provided that Investment Obligations credited to the Debt Service Reserve Fund, if not so redeemable, shall be valued at the cost thereof minus the amortization of any premium or plus the amortization of any discount thereon. The Trustee shall sell or present for redemption any Investment Obligations as necessary in order to • provide money for the purpose of making any payment required under the Indenture, and the Trustee shall not be liable for any loss resulting from any such sale. Responsibility of Trustee. The Trustee shall not be responsible or liable for any loss suffered in connection with any investment of moneys made by it at the direction of the City. Instruments of Further Assurance. At the request of the Trustee, authorized by law, pass, make, do, execute, acknowledge and deliver, all ordinances, acts, deeds, conveyances, assignments, transfers and assurances as better assuring, conveying, granting, pledging, assigning and confirming of all other moneys pledged or assigned by the Indenture, or intended so to be, or pledge or assign. the City shall, so far as it may be and every such further resolutions, may be necessary or desirable for the and singular the Tax Receipts and all which the City may become bound to Tax Covenants. The City shall not use or permit the use of any Bond proceeds or any other funds of the City, directly or indirectly, in any manner, and will not take or permit to be taken any other action or actions which would adversely effect the exclusion of interest on any Bond from gross income for federal income tax purposes. No part of the proceeds of the Bonds shall at any time be used, directly or indirectly, to acquire securities or obligations the acquisition of which would cause any of such Bonds to be an "arbitrage bond" as defined in Sections 148(a) and (b) of the Code. The City agrees that so long as any of the Bonds remain Outstanding, it will comply with the provisions of each applicable Tax Regulatory Agreement. Defeasance. Any Bond shall be deemed to be paid within the meaning of the Indenture when payment of the principal of and premium, if any, and interest on such Bond (whether at maturity or upon redemption as provided in the Indenture, or otherwise), either (i)shall have been made or caused to be made in accordance with the terms thereof, or (ii)shall have been provided for by irrevocably depositing with the Trustee, in trust and irrevocably set aside exclusively for such payment, (1)moneys sufficient to make such payment or (2)Government Securities (provided that such deposit will not affect the tax-exempt status of the interest on any of the Bonds or cause any of the Bonds to be classified as "arbitrage bonds" within the meaning of Section 148(a) of the Code, as reflected in an • opinion of Bond Counsel delivered to the Trustee), maturing as to principal and interest in such amounts and at such times as will provide sufficient moneys to make such payment, and all necessary and proper fees, compensation and expenses of the Trustee and any Paying Agent pertaining to the Bonds with respect to which such deposit is made 1047615.3 17 shall have been paid or the payment thereof provided for to the satisfaction of the Trustee and any said Paying Agent. Events of Default. Each of the following events shall constitute and is referred to in the Indenture as an "Event of Default": (a) Default in the due and punctual payment of any interest on any Bond; (b) Default in the due and punctual payment of the principal of or premium, if any, on any Bond, whether at the stated maturity thereof, or upon proceedings for redemption thereof, or upon the maturity thereof by declaration; (c) Default in the payment of any other amount required to be paid under the Indenture or the performance or observance of any other of the covenants, agreements or conditions contained in the Indenture, or in the Bonds issued under the Indenture, and continuance thereof for a period of sixty (60) days after written notice specifying such failure and requesting that it be remedied, shall have been given to the City by the Trustee, which may give such notice in its discretion and shall give such notice at the written request of Holders of not less than fifty-one percent (51%) in aggregate principal amount of the Bonds then Outstanding, unless the Trustee, or the Trustee and Holders of an aggregate principal amount of Bonds not less than the aggregate principal amount of Bonds the Holders of which requested such notice, as the case may be, shall agree in writing to an extension of such period prior to its expiration; provided, however, if the failure stated in the notice cannot be corrected within the applicable period, the Trustee will not unreasonably withhold its consent to an extension of such time if corrective action is instituted by the City within such period and is being diligently pursued; (d) The filing of a petition in bankruptcy by or against the City under the United States Bankruptcy Code or the commencement of a proceeding by or against the City under any other law concerning insolvency, reorganization or bankruptcy; and (e) If the State has limited or altered the rights of the City pursuant to the Act, as in force on the date of the Indenture, to fulfill the terms of any agreements made with the Trustee or the Bondholders or in any way impaired the rights and remedies of the Trustee or the Bondholders while any Bonds are Outstanding. • The term "default" as used • in clauses (a), (b) and (c) above shall mean default by the City in the performance or observance of any of the covenants, agreements or conditions on its part contained in the Indenture, or in the Bonds Outstanding thereunder, exclusive of any period of grace required to constitute a default an "Event of Default" as described above. Acceleration. Upon the occurrence of an Event of Default, the Trustee may, and upon the written request of the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding shall, by notice in writing delivered to the City, declare the principal of all Bonds then Outstanding, together with any premium and the interest accrued thereon, immediately due and payable, and such principal and interest shall thereupon become and be immediately due and payable. Other Remedies; Rights of Bondholders. Upon the occurrence of an Event of Default, the Trustee may, as an alternative, pursue any available remedy by suit at law or in equity, including, without limitation, mandamus to enforce the payment of the principal of and premium, if any, and interest on the Bonds then Outstanding. If an Event of Default shall have occurred, and if it shall have been requested so to do by the Holders of 51% in aggregate principal amount of Bonds Outstanding and if it shall have been indemnified as provided in the Indenture, the Trustee shall be obligated to exercise such one or more of the rights and powers conferred upon it by the Indenture as the Trustee, being advised by counsel, shall deem most expedient in the interests of the Bondholders. No remedy by the terms of the Indenture conferred upon or reserved to the Trustee (or to the Bondholders) is intended to be exclusive of any other remedy, but each and every such remedy shall be cumulative and shall be in addition to any other remedy given under the Indenture or now or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default or Event of Default shall impair any such right or power or shall be construed to be a waiver of any such default or Event of Default or acquiescence therein; and every such right and power may be exercised from time to time and as often as may be deemed expedient. • No waiver of any default or Event of Default under the Indenture, whether by the Trustee or by the Bondholders, shall extend to or shall affect any subsequent default or Event of Default or shall impair any rights or remedies consequent thereon. 10-07615.3 18 Rights and Remedies of Bondholders. No Holder of any Bond shall have any right to institute any suit, action or proceeding in equity or at law for the enforcement of the Indenture or for the execution of any trust thereof • or for the appointment of a receiver or any other remedy thereunder, unless a default has occurred of which the Trustee has been notified as provided in the Indenture, or of which by the Indenture it is deemed to have notice, nor unless such default shall have become an Event of Default and the Holders of not less than 51% in aggregate principal amount of Bonds Outstanding shall have made written request to the Trustee and shall have offered it reasonable opportunity either to proceed to exercise the powers granted or to institute such action, suit, or proceeding in its own name, nor unless also they have offered to the Trustee indemnity as provided in the Indenture nor unless the Trustee shall thereafter fail or refuse to exercise the powers granted, or to institute such action, suit, or proceeding in its own name; and such notification, request and offer of indemnity are declared in every such case at the option of the Trustee to be conditions precedent to the execution of the powers and trusts of the Indenture, and to any action or cause of action for the enforcement of the Indenture or for the appointment of a receiver or for any other remedy thereunder; it being understood and intended that no one or more Holders of the Bonds shall have any right in any manner whatsoever to affect, disturb or prejudice the lien of the Indenture by action of the Holder or Holders or to enforce any right under the Indenture except in the manner therein provided, and that all proceedings at law or in equity shall be instituted, held and maintained in the manner therein provided for the equal benefit of the Holders of all Bonds Outstanding thereunder. Nothing in the Indenture contained shall, however, affect or impair the right of any Bondholders to enforce the payment of the principal of and premium, if any, and interest on any Bonds at and after the maturity thereof, or the obligation of the City to pay the principal of and premium, if any, and interest on each of the Bonds issued under the Indenture to the respective Holders thereof at the time and place in said Bonds expressed. Supplemental Indentures Not Requiring Consent of Bondholders. The City and the Trustee may, from time to time and at any time, without the consent of or notice to the Bondholders, enter into Supplemental Indentures as follows: (a) to cure any formal defect, omission; inconsistency or ambiguity in the Indenture; (b) to gran[ to or confer or impose upon the Trustee for the benefit of the Bondholders any additional rights, remedies, powers, authority, security, liabilities or duties which may lawfully be granted, conferred or • imposed and which are not contrary to or inconsistent with the Indenture as theretofore in effect, provided that no such additional liabilities or duties shall be imposed upon the Trustee without its consent; (c) to add to the covenants and agreements of, and limitations and restrictions upon, the City in the Indenture other covenants, agreements, limitations and restrictions to be observed by the City which are not contrary to or inconsistent with the Indenture as theretofore in effect; (d) to confirm, as further assurance, any pledge under, and the subjection to any claim, lien or pledge created or to be created by, the Indenture, of the Trust Estate or of any other moneys, securities or funds; (e) to comply with the requirements of the Trust Indenture Act of 1939, as from time to time amended; (f) to authorize the issuance and sale of one or more series of Additional Bonds; (g) to make such additions, deletions or modifications as may be necessary to assure compliance with Section 148(f) of the Code relating to required rebate to the United States or otherwise as may be necessary to assure exemption from federal income taxation of interest on the Bonds; or (h) to modify, alter, amend or supplement the Indenture in any other respect which is not materially adverse to the Bondholders and which does not involve a change described in clause (a), (b), (c), (d), (e) or (1) below and which, in the judgment of the Trustee, is not to the prejudice of the Trustee. Supplemental Indentures Requiring Consent of Bondholders. Subject to the terms and provisions contained in this paragraph, and not otherwise, the Holders of not less than 2/3 in aggregate principal amount of the Bonds then Outstanding shall have the right, from time to time, anything contained in the Indenture to the contrary notwithstanding, to consent to and approve the execution by the City and the Trustee of such indenture or indentures supplemental to the Indenture as shall be deemed necessary and desirable by the City for the purpose of modifying, altering, amending, adding to, or rescinding, in any particular, any of the terms or provisions contained in the Indenture or in any Supplemental Indenture; provided, however, that nothing contained in the Indenture shall permit • or be construed as permitting (a)an extension of the maturity (or mandatory redemption date) of the principal of or the interest on any Bond issued thereunder, or (b)a reduction in the principal amount of or redemption premium or rate of interest on any Bond issued thereunder, or (c)the creation of any lien on the Trust Estate or any part thereof, 10-47615.3 19 except as expressly permitted in the Indenture, or (d)a privilege or priority of any Bond or Bonds over any other Bond or Bonds, or (e)a reduction in the aggregate principal amount of the Bonds required for consent to such . Supplemental Indenture, or (f)depriving the Holder of any Bond then Outstanding of the lien created on the Trust Estate. If, at any time the City shall request the Trustee to enter into any Supplemental Indenture for any of the purposes described above, the Trustee shall, at the expense of the City, cause notice of the proposed execution of such Supplemental Indenture to be mailed by first class mail to each registered owner of the Bonds. Such notice shall briefly set forth the nature of the proposed Supplemental Indenture and shall state that copies thereof are on file at the principal office of the Trustee for inspection by Bondholders. The Trustee shall not, however, be subject to any liability to any Bondholder by reason of its failure to mail such notice, and any such failure shall not affect the validity of such Supplemental Indenture when consented to and approved as provided above. If the Holders of not less than 2/3 in aggregate principal amount of the Bonds Outstanding at the time of the execution of any such Supplemental Indenture shall have consented to and approved the execution thereof, no Holder of any Bond shall have any right to object to any of the terms and provisions contained therein, or the operation thereof, or in any manner to question the propriety of the execution thereof, or to enjoin or restrain the Trustee or the City from executing the same or from taking any action pursuant to the provisions thereof. SUMMARY OF THE CONTINUING DISCLOSURE AGREEMENT The City has entered into an undertaking in the form of the Continuing Disclosure Agreement as required by the Indenture for the benefit of the Beneficial Owners of the Series 2003 Bonds to cause certain financial information to be sent to certain information repositories annually and to cause notice to be sent to such information repositories of certain specified events, pursuant to the requirements of Section(b)(5)(i) of Rule15c2-12 of the Securities Exchange Act of 1934, as amended (the "Rule"). The City has not failed to comply with any previous undertaking pursuant to the Rule. The Continuing Disclosure Agreement contains the following covenants and provisions: (a) The City shall, not later than August 1 of each year, commencing August 1, 2003, provide to each Repository and the Trustee its Annual Financial Information consistent with the requirements of subsection (d) below. • (b) If, on the date specified in subsection (a) above for providing the Annual Financial Information to Repositories, the Trustee has not received a copy of the Annual Financial Information, the Trustee shall contact the Disclosure Representative to determine if the City is in compliance with subsection(a). (c) If the Trustee is unable to verify that the Annual Financial Information has been provided to the Repositories by the date required within subsection (a), the Trustee shall file a notice to such effect with the Repositories and the MSRB. (d) The City's Annual Financial Information shall contain or incorporate by reference the following: (i) Tax Receipts for the latest Fiscal Year and for the four previous Fiscal Years; and. (ii) The City's audited financial statements for the prior Fiscal Year, prepared in accordance with accounting principles generally accepted in the United States ("GAAP") as such principles are modified by the governmental accounting standards promulgated by the Government Accounting Standards Board ("GASB") and by mandated principles of the State of Arkansas, if any, as in effect from time to time, which financial statements have been audited by such auditor as shall then be required or permitted by the laws of the State of Arkansas. If the City's audited financial statements are not available by the time its Annual Financial Information is required to be filed pursuant to subsection (a) above, the Annual Financial Information shall contain the unaudited financial statements of the City, and the audited financial statements shall be filed in the same manner as the Annual Financial Information when they become available. (e) The City has agreed to instruct the Trustee to deliver to each National Repository, or the MSRB and the Arkansas State Repository, notice of the occurrence of any of the following Specified Events, if deemed material: • (i) Principal and interest payment delinquencies; (ii) Non-payment related defaults; 10-47615.3 1 20 (iii) Unscheduled draws on any debt service reserve reflecting financial difficulties; • (iv) Unscheduled draws on any credit enhancement reflecting financial difficulties; (v) Substitution of any credit or liquidity providers, or their failure to perform; (vi) Adverse tax opinions or events affecting the tax-exempt status of the Series 2003 Bonds; (vii) Modifications to rights of Bondowners; (viii) Bond calls; (ix) Defeasances; (x) Release, substitution or sale of property securing payment of the Series 2003 Bonds; or (xi) Rating changes. (f) The City has agreed that the foregoing undertakings shall be for the benefit of the Beneficial Owners of the Series 2003 Bonds, and shall be enforceable by any Beneficial Owner of the Series 2003 Bonds in an action for specific performance against the City. • (g) The continuing obligation of the City to provide Annual Financial Information and notice of the occurrence of Specified Events, if material, will terminate if the City is no longer an "obligated person" within the meaning of the Rule or upon the maturity, defeasance, prior redemption or payment in full of the Series 2003 Bonds. The City and the Trustee may amend the Continuing Disclosure Agreement, and any provision of the Continuing Disclosure Agreement may be waived, if such amendment or waiver is supported by an opinion of counsel, reasonably acceptable to each of the City and the Trustee, to the effect that such amendment or waiver would not, in and of itself, cause the undertakings under the Continuing Disclosure Agreement to violate the Rule, taking into account any subsequent change in or official interpretation of the Rule. (h) The following terms used under this caption shall have the meanings set forth below: "Annual Financial Information" means the annual financial information to be provided by the City of the • type described in the Continuing Disclosure Agreement. "Arkansas State Repository" means any public or private repository or entity as may be designated by the State of Arkansas as a state repository for purposes of the Rule and recognized as such by the SEC. As of the date of the Continuing Disclosure Agreement, there is no Arkansas State Repository. "Beneficial Owner" means any Person which has the power, directly or indirectly, to vote or consent with respect to, or to dispose of ownership of, any Series 2003 Bonds, including Persons holding Series 2003 Bonds through nominees or depositories. "Disclosure Representative" means the City's Finance & Internal Services Director or his or her designee, or such other officer or employee as the City shall designate in writing to the Trustee from time to time. "Fiscal Year" means the 12 -month period used, at any time, by the City for accounting purposes, which may be the calendar year. The City's fiscal year presently ends on December 31. "MSRB" means the Municipal Securities Rulemaking Board. "National Repository" means any nationally recognized municipal securities information repository for purposes of the Rule. "Participating Underwriter" means Stephens Inc. "Repository" means each National Repository and the Arkansas State Repository. "Specified Events" means each of the events with respect to the Series 2003 Bonds listed in subsection(e) above. (i) A failure by the City to comply with the provisions of the Continuing Disclosure Agreement will not constitute an Event of Default under the Indenture, and the sole remedy in such an event shall be an action to compel specific performance. Nevertheless, such a failure to comply must be reported in accordance with the Rule • and must be considered by any broker, dealer or municipal securities dealer before recommending the purchase or sale of the Series 2003 Bonds in the secondary market. Consequently, such a failure may adversely affect the transferability and liquidity of the Series 2003 Bonds. 10-47615.3 21 UNDERWRITING • Under a bond purchase agreement entered into by and between the City and Stephens Inc., Fayetteville, Arkansas (the "Underwriter"), the Series 2003 Bonds are being purchased at a purchase price of $ (representing the stated principal amount of the Series 2003 Bonds less an underwriting discount of $ ) plus accrued interest from July 1, 2003 to the date of delivery of the Series 2003 Bonds. The bond purchase agreement provides that the Underwriter will purchase all of the Series 2003 Bonds if any are purchased. The obligation of the Underwriter to accept delivery of the Series 2003 Bonds is subject to various conditions contained in the bond purchase agreement, including the absence of pending or threatened litigation questioning the validity of the Series 2003 Bonds or any proceedings in connection with the issuance thereof, and the absence of material adverse changes in the financial condition of the City. The Underwriter intends to offer the Series 2003 Bonds to the public initially at the offering prices as set forth on the cover page of this Official Statement, which offering prices (or bond yields establishing such offering prices) may subsequently change without any requirement of prior notice. The Underwriter reserves the right to join with dealers and other underwriters in offering the Series 2003 Bonds to the public, and may offer the Series 2003 Bonds to such dealers and other underwriters at a price below the public offering price. The City has agreed to indemnify the Underwriter against certain civil liabilities in connection with the offering and sale of the Series 2003 Bonds, including certain liabilities under federal securities laws. TAX EXEMPTION Federal Income Taxes. In the opinion of Kutak Rock LLP, Bond Counsel, under existing law, the interest on the Series 2003 Bonds is excludable from the gross income of the owners thereof for federal income tax purposes and is not an item of tax preference for purposes of the federal alternative minimum tax imposed on individuals and corporations; it should be noted, however, that for purposes of computing the alternative minimum tax imposed on corporations (as defined for federal income tax purposes), such interest is taken into account in determining adjusted current earnings and profits. The opinions set forth in the preceding sentence are subject to the condition that the City comply with all requirements of the Code that must be satisfied subsequent to the issuance of the Series 2003 . Bonds in order that the interest thereon be, or continue to be, excludable from gross income for federal income tax purposes. The City has covenanted to comply with each such requirement. Failure to comply with certain of such requirements may cause the inclusion of interest on the Series 2003 Bonds in gross income for federal income tax purposes to be retroactive to the date of issuance of the Series 2003 Bonds. Bond Counsel is also of the opinion that the Series 2003 Bonds are "qualified tax-exempt obligations" within the meaning of Section265(b)(3) of the Code, and, in the case of certain financial institutions (within the meaning of the Section265(b)(5) of the Code), a deduction is allowed for 80percent of that portion of such financial institution's interest expense allocable to interest on the Series 2003 Bonds. Bond Counsel expresses no opinion regarding other federal tax consequences arising with respect to the Series 2003 Bonds. Prospective purchasers of the Series 2003 Bonds should be aware that ownership of tax-exempt obligations may result in collateral federal income tax consequences to certain taxpayers, including, without limitation, financial institutions, property and casualty insurance companies, certain foreign corporations doing business in the United States, certain Subchapter S corporations with excess passive income, individual recipients of Social Security or Railroad Retirement benefits and taxpayers who may be deemed to have incurred or continued indebtedness to purchase or carry tax-exempt obligations. Prospective purchasers of the Series 2003 Bonds should consult their tax advisors as to applicability of any such collateral consequences. State Taxes. Bond Counsel is of the opinion that, under existing law, the interest on the Series 2003 Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. RATING Standard & Poor's Ratings Services, a Division of The McGraw-Hill Companies, Inc. ("S&P"), has given the Series 2003 Bonds the rating of""[BASED [BASED ON THE DELIVERY OF THE POLICY BY ]. Such rating reflects only the view of S&P at the time such rating was given. An explanation of the significance of • the rating may be obtained from S&P. There is no assurance that such rating will continue for any given period of time or that the rating will not be revised downward or withdrawn entirely by S&P if in its judgment circumstances so warrant. Any downward revision or withdrawal of the rating may havean adverse effect on the market price of the Series 2003 Bonds. 10-47615.3 22 Neither the City nor the Underwriter have undertaken any responsibility subsequent to the issuance of the Series 2003 Bonds to assure the maintenance of the rating or to oppose any revision or withdrawal of the rating. No • application has been made to any Rating Agency other than S&P for a rating on the Series 2003 Bonds. LEGAL MATTERS Legal Opinions. Legal matters incident to the authorization and issuance of the Series 2003 Bonds are subject to the unqualified approving opinion of Kutak Rock LLP, Little Rock, Arkansas, Bond Counsel, a copy of whose approving opinion will be delivered with the Series 2003 Bonds and a form of which is attached hereto as Appendix A. Certain legal matters will be passed upon for the City by its counsel, Kit Williams, Esq., City Attorney. Litigation. There is no litigation pending seeking to restrain or enjoin the issuance or delivery of the Series 2003 Bonds or questioning or affecting the legality of the Series 2003 Bonds or the proceedings and authority under which the Series 2003 Bonds are to be issued, or questioning the right of the City to issue the Series 2003 Bonds or to levy the Tax or pledge the Tax Receipts. MISCELLANEOUS Any statements made in this Official Statement involving matters of opinion or of estimates, whether or not so expressly stated, are set forth as such and not as representations of fact, and no representation is made that any of the estimates will be realized. This Official Statement is not to be construed as a contract or agreement between the City and the purchasers or owners of any of the Series 2003 Bonds. ACCURACY AND COMPLETENESS OF OFFICIAL STATEMENT The information contained in this Official Statement has been taken from sources considered to be reliable, but is not guaranteed. To the best of the knowledge of the City, this Official Statement does not include any untrue statement of a material fact, nor does it omit the statement of any material fact required to be stated herein, or necessary to make the statements herein, in light of the circumstances under which they were made, not misleading. The execution and delivery of this Official Statement has been duly authorized by the City of Fayetteville, Arkansas. CITY OF FAYETTEVILLE, ARKANSAS Mayor 0 10-47615.3 23 • APPENDIX A Proposed Form of Bond Counsel Opinion Kutak Rock LLP, Bond Counsel, will render an opinion with respect to the Series 2003 Bonds, dated the date of issuance and delivery thereof, in substantially the following form: July_, 2003 City of Fayetteville, Arkansas Fayetteville, Arkansas Bank of Oklahoma, N.A., as Trustee Tulsa, Oklahoma Stephens Inc. Fayetteville, Arkansas City of Fayetteville, Arkansas Hotel and Restaurant Gross Receipts Tax Refunding Bonds Series 2003 Ladies and Gentlemen: • We have acted as bond counsel in connection with the issuance and sale by the City of Fayetteville, Arkansas (the "City"), a political subdivision of the State of Arkansas, of its $ * Hotel and Restaurant Gross Receipts Tax Refunding Bonds, Series 2003 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, the Advertising and Promotion Commission Act, Arkansas Code Annotated (1997 Repl.) §§26-75-601 er seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. _ of the City, duly adopted and approved on , 2003 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of July!, 2003 (the "Indenture"), by and between the City and Bank of Oklahoma, N.A., as trustee (the "Trustee"). Reference is hereby made to the Indenture and to all indentures supplemental thereto for the provisions, among others, with respect to the conditions for the issuance of parity indebtedness by the City, the nature and extent of the security for the Bonds, the rights, duties and obligations of the City, the Trustee and the Holders of the Bonds, and the terms upon which the Bonds are issued and secured. Reference is made to an opinion of even date herewith of Kit Williams, Esq., City Attorney, a copy of which is on file with the Trustee, with respect, among other matters, to the status and valid existence of the City, the power of the City to adopt the Authorizing Ordinance and to enter into and perform its obligations under the Indenture, the valid adoption of the Authorizing Ordinance, and the due authorization, execution and delivery of the Indenture by the City, and with respect to the Indenture being enforceable upon the City. We have examined the law and such certified proceedings and other papers as we have deemed necessary to render this opinion. As to questions of fact material to our opinion, we have relied upon the representations of the City contained in the Authorizing Ordinance and the Indenture and in the certified proceedings and other certifications of public officials furnished to us, without undertaking to verify the same by independent investigation. • * Preliminary; subject to change. 10-47615.3 A -I Based upon the foregoing, we are of the opinion, under existing law, as follows: • 1. The City is duly created and validly existing as a municipal corporation of the State of Arkansas. Pursuant to the Constitution and laws of the State of Arkansas, including, particularly, the Act, the City is empowered to adopt the Authorizing Ordinance, to execute and deliver the Indenture, to perform the agreements on its part contained therein, and to issue the Bonds. 2. The Authorizing Ordinance has been duly adopted by the City and constitutes a valid and binding obligation of the City enforceable upon the City in accordance with its terms. 3. The Indenture has been duly authorized, executed and delivered by the City and is a valid and binding obligation of the City enforceable upon the City in accordance with its terms. 4. The Bonds have been validly authorized, executed, issued and delivered by the City and represent valid and binding special obligations of the City. The principal, premium, if any, and interest on the Bonds shall be payable from, and shall be secured by an assignment and pledge by the City to the Trustee of the Tax Receipts (as defined in the Indenture). 5. The Tax Receipts have been duly and validly assigned and pledged to the Trustee under the Indenture, and the Indenture creates, as security for the Bonds, a valid security interest in the Tax Receipts. 6. The interest on the Bonds is excluded from gross income for federal income tax purposes and is not an item of tax preference for purposes of the federal alternative minimum tax imposed on individuals and corporations; it should be noted, however, that, for the purpose of computing the alternative minimum tax imposed on corporations (as defined for federal income tax purposes), such interest is taken into account in determining adjusted current earnings for purposes of such alternative minimum tax. The opinions set forth in the preceding sentence are subject to the condition that the City comply with all requirements of the Internal Revenue Code of • 1986, as amended, that must be satisfied prior to or subsequent to the issuance of the Bonds in order that the interest thereon be, or continue to be, excluded from gross income for federal income tax purposes. The City has covenanted to comply with each such requirement. Failure to comply with certain of such requirements may cause the inclusion of interest on the Bonds in gross income for federal income tax purposes to be retroactive to the date of issuance of the Bonds. The Bonds are "qualified tax-exempt obligations" within the meaning of Section 265(b)(3) of the Code, and, in the case of certain financial institutions (within the meaning of Section 265(b)(5) of the Code), a deduction is allowed for 80 percent of that portion of such financial institution's interest expense allocable to interest on the Bonds. We express no opinion regarding other federal tax consequences arising with respect to the Bonds. 7. The interest on the Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. 8. The Bonds are exempt from registration pursuant to the Securities Act of 1933, as amended, and the Indenture is not required to be qualified under the Trust Indenture Act of 1939, as amended, in connection with the offer and sale of the Bonds. It is to be understood that the rights of the registered owners of the Bonds and the enforceability of the Bonds, the Authorizing Ordinance and the Indenture may be subject to bankruptcy, insolvency, reorganization, moratorium and other similar laws affecting creditors' rights heretofore or hereafter enacted to the extent constitutionally applicable and that their enforcement may also be subject to the exercise of judicial discretion in appropriate cases. Very truly yours, • 10-47615.3 A-2