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HomeMy WebLinkAboutOrdinance 4684 ORDINANCE NO, 4684 AN ORDINANCE AUTHORIZING THE ISSUANCE AND SALE OF THE CITY'S $3,725,000 TAX INCREMENT INTEREST ACCRETION BONDS (HIGHWAY 71 EAST SQUARE REDEVELOPMENT DISTRICT NO. 1 PROJECT), SERIES 2005, FOR THE PURPOSE OF FINANCING CERTAIN IMPROVEMENTS WITHIN THE DISTRICT; AUTHORIZING THE EXECUTION AND DELIVERY OF A TRUST INDENTURE PURSUANT TO WHICH THE BONDS WILL BE ISSUED AND SECURED; AUTHORIZING THE EXECUTION AND DELIVERY OF AN OFFICIAL STATEMENT PURSUANT TO WHICH THE BONDS WILL BE OFFERED; AUTHORIZING THE EXECUTION AND DELIVERY OF A BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF THE BONDS; AUTHORIZING THE EXECUTION AND DELIVERY OF A CONTINUING DISCLOSURE AGREEMENT; PRESCRIBING OTHER MATTERS RELATING THERETO; AND DECLARING AN EMERGENCY WHEREAS, the City Council of the City of Fayetteville, Arkansas (the "City") has previously stated its determination in Resolution No. 19-05 adopted February 1 , 2005, that there is a great need for a source of revenue to finance the costs of alleviating blight and encouraging development and redevelopment within the City and in furtherance of such purposes has created the Highway 71 East Square Redevelopment District No. 1 (the "District') pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004, and by Ordinance No. 4673 adopted on January 25, 2005 ; and WHEREAS, it has been determined that the specific actions needed to alleviate such blight and encourage such development and redevelopment consist of (i) the acquisition of certain real property, the demolition of existing structures thereon and site preparation in connection therewith, which property is located within the District and consists of the former Mountain Inn property, the former Niblock Law Offices, the former Red Bird Restaurant and the former Washington County Courts Building, and (ii) the construction of certain sidewalk and crosswalk improvements within the District (collectively, the "Project'); and WHEREAS, upon completion of the Project and upon satisfaction of certain conditions, the City intends to sell the cleared property to a private developer for the purpose of constructing a hotel, meeting place, condominium and parking deck development thereon; and WHEREAS, the City is authorized and empowered under the provisions of the Constitution and laws of the State of Arkansas, including particularly Amendment 78 to the Constitution of the State of Arkansas ("Amendment 78") and Arkansas Code Annotated (2003 Supp.) Sections 14- 168-301 et seq. (as from time to time amended, the "Act'), to issue and sell its bonds to finance the costs of various capital improvements within the District such as those comprising the Project, which bonds are to be secured by and payable from the ad valorem tax increment described in and authorized by the Act; and WHEREAS, as authorized under the provisions of Amendment 78 and the Act, the City has now determined to issue and sell its Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005, in the principal amount of $3,725,000 (the "Bonds"), in order to provide financing for the costs of the Project and to pay related costs of issuance; and WHEREAS, the City has made arrangements for the sale of the Bonds to Crews & Associates, Inc., Little Rock, Arkansas (the "Underwriter"), such sale to be made pursuant to the terms of a Bond Purchase Agreement between the City and the Underwriter (the "Bond Purchase Agreement") in substantially the form presented to and before this meeting; and WHEREAS, the terms of the Bonds are consistent with the financing terms described in the District's project plan originally adopted on December 7, 2004, pursuant to Ordinance No. 4646, and amended on December 28, 2004 and March 15, 2005, pursuant to Ordinance No. 4663 and Ordinance No. 4683 , respectively. 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 78 and the Act, there is hereby authorized the issuance of bonds of the City to be designated as "City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005." The Bonds shall be issued at one time or from time to time in the original aggregate principal amount of Three Million Seven Hundred Twenty-Five Thousand Dollars ($3 ,725,000). The Bonds shall mature on August 1 , 2029 and shall bear interest at the rate of 6.50% per annum, as specified in the Bond Purchase Agreement presented to this meeting. The proceeds of the Bonds will be utilized to finance the costs of acquisition, demolition, and site preparation relating to Project and to pay publication, legal, underwriting and other expenses incidental to the issuance of the Bonds. The City Council hereby finds that the real property within the District will be benefited upon completion of the Project. The Bonds shall be issued in minimum denominations of $5,000 and in increments of $5,000 in excess thereof. The Bonds shall be dated, shall be in the form, shall be numbered, shall be subject to redemption prior to maturity, and shall contain such other terms, covenants and conditions, all as set forth in that certain Trust Indenture to be dated as of April 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, as trustee (the "Trustee"), to be entered into by the City and the Trustee in substantially the form submitted to this meeting. The Mayor is hereby authorized and directed to execute and deliver the Bonds in substantially the form thereof contained in the Indenture submitted to this meeting, and the City Clerk is hereby authorized and directed to execute and deliver the Bonds and to affix the seal of the City thereto, and the Mayor and City Clerk are hereby authorized and directed to cause the Bonds to be accepted and authenticated by the Trustee. The Mayor is hereby authorized to confer with the Trustee, the Underwriter and Kutak Rock LLP, Little Rock, Arkansas ("Bond Counsel"), in order to complete the Bonds in substantially the form contained in the Indenture 2 i M submitted to this meeting, with such changes as shall be approved by such persons executing the Bonds, their execution to constitute conclusive evidence of such approval. Section 2 : In order to pay the principal of and interest on the Bonds as they mature or are called for redemption prior to maturity, the Act provides that the District's tax increment, as defined in the Act (the "Tax Increment"), shall be calculated annually and any positive amount distributed to the City for deposit into the Highway 71 East Square Redevelopment District No. 1 Tax Increment Fund created in Ordinance No. 4608. Pursuant to the Indenture, such fund will be assigned to and held by the Trustee for the benefit of the holders of the Bonds. The City covenants and agrees that all receipts relating to the Tax Increment will be accounted for separately as special funds on the books of the City, and receipts of said Tax Increment will be deposited and will be used solely as provided in the Indenture. Section 3 : To prescribe the terms and conditions upon which the Bonds are to be executed, authenticated, issued, accepted, held and secured, the Mayor is hereby authorized and directed to execute and acknowledge the Indenture, and the Clerk is hereby authorized and directed to execute and acknowledge the 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 Indenture to be accepted, executed and acknowledged by the Trustee. The Indenture is hereby approved in substantially the form submitted to this meeting, including, without limitation, the provisions thereof pertaining to the Tax Increment and the terms of the Bonds. The Mayor is hereby authorized to confer with the Trustee, the Underwriter and Bond Counsel in order to complete the Indenture in substantially the form submitted to this meeting, with such changes as shall be approved by such persons executing the Indenture, their execution to constitute conclusive evidence of such approval. (Advice is given that a copy of the 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 Bonds. The Preliminary Official Statement is hereby "deemed final" within the meaning of U.S. Securities and Exchange Commission Rule 15c2- 12. The prior distribution of the Preliminary Official Statement is hereby ratified and 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, the Underwriter and Bond Counsel, 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 Underwriter and Bond Counsel in order to complete the Official Statement in substantially the form of the Pr6liminary 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.) 3 Section 5 : In order to prescribe the terms and conditions upon which the Bonds are to be sold to the Underwriter, the Mayor is hereby authorized and directed to execute the 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 said 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 continuing disclosure of certain financial and operating information with respect to the City, the District and the Tax Increment 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 (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 7: 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 Bonds and to effect the execution and delivery of the Indenture, the Bond Purchase Agreement, the Continuing Disclosure Agreement and a Tax Regulatory Agreement relating to the tax exemption of interest on the 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 8: 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. 4 0 Section 9: All ordinances, resolutions and parts thereof in conflict herewith are hereby repealed to the extent of such conflict. Section 10: There is hereby found and declared to be an immediate need for certain infrastructure improvements within the District, which improvements will benefit the public health, safety and welfare of the City and its inhabitants, and the issuance and sale of the Bonds approved hereby for the purpose of financing the Project and the taking of the other actions authorized herein are immediately necessary in connection with such improvements. It is, therefore, declared that an emergency exists and this Ordinance being necessary for the immediate preservation of the public health, safety and welfare shall be in force and take effect immediately upon and after its passage. PASSED and APPROVED this 15`h day of March, 2005. GTYpSGP: APPROVED: c ; FAYETTEVILLE ; :� a By: %9so9. 'kANs?c J, A/ � COO Mayor ATTEST: '%,�SjN . . . . •G () N � ��ON�����. By: &mA424 SO DRA SMITH, City Clerk 5 • • EXECUTION COPY BOND PURCHASE AGREEMENT March 15, 2005 City of Fayetteville City Administration Building 113 West Mountain Fayetteville, Arkansas 72701 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project) Series 2005 Ladies and Gentlemen: On the basis of the representations, warranties and agreements and upon the terms and conditions contained herein, the undersigned, Crews & Associates, 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 March 15, 2005. 1 . General. Upon the terms and conditions and in reliance upon the City's 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 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"), at the purchase price (the "Purchase Price") of $3,576,000.00 (equal to the par amount of the Bonds less underwriter' s discount of $ 149,000.00). The Bonds shall be issued by the City pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 to the Constitution and Arkansas Code Annotated (2003 Supp.) §§ 14- 168-301 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 the Tax Increment (as defined below) of the City's Highway 71 East Square Redevelopment District No. 1 (the "District") authorized under the Act, and (2) moneys on deposit in the Revenue Fund, Bond Fund, Project Fund and Redemption Fund established by a Trust Indenture to be dated as of April 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, Fayetteville, Arkansas, as trustee (the "Trustee"), all as more particularly described in the 10-106556.1 0 0 Indenture. The Tax Increment has the meaning set forth in the Act and is determined by multiplying the incremental increase in value of the real property within the District following its creation by the maximum applicable ad valorem rate permitted pursuant to the Act. The Bonds shall be issued and secured pursuant to Ordinance No. 4684 of the City Council of the City which was adopted on March 15, 2005 (the "Authorizing Ordinance"), and pursuant to the Indenture. The Bonds shall be issued in $5,000 denominations and integral multiples of $5,000 in excess thereof, shall mature on August 1 , 2029 and shall bear interest at the rate of 6.50% per annum. Interest on the Bonds will accrete, compounded semiannually, as shown on 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 (i) to pay the costs of the 2005 Project (as defined in the Indenture), and (ii) to pay the costs of issuance of the Bonds. 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. 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 appendices thereto, dated March 11 , 2005, 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 March 15, 2005, 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 2 10-106556. 1 0 0 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 2005 Project. (b) The City has the full legal right, power and authority (i) to adopt Ordinance Nos. 4608 and 4662 creating the District (collectively, the "Creation Ordinances"), (ii) to adopt Ordinance Nos. 4646, 4663 and 4683 approving the project plan for the District (collectively, the "Project Plan Ordinances"), (iii) to adopt the Authorizing Ordinance authorizing the issuance of and sale of the Bonds, (iv) to enter into this Bond Purchase Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (v) to issue, sell and deliver the Bonds to the Underwriter as provided herein, (vi) to pledge irrevocably the receipts of the Tax Increment 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. (c) The City has duly authorized (i) the execution and delivery of the Bonds and the execution, delivery and due performance of this Bond Purchase Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (ii) the distribution and use of the Preliminary Official Statement and the execution, delivery and distribution of the final Official Statement, and (iii) 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 Creating Ordinances, the Project Plan Ordinances and the Authorizing Ordinance have been duly adopted by City Council 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 Continuing Disclosure Agreement and the Tax 3 10-106556.1 0 0 Regulatory Agreement, when executed and delivered, will constitute legal, valid and binding obligations of the City, and this Bond Purchase Agreement, the Indenture, 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 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, the Creating Ordinances or the Project Plan Ordinances, the execution and delivery of this Bond Purchase Agreement, the Bonds, the Indenture, 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 4 10-106556. 1 • • 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 Creating Ordinances, the Project Plan Ordinances, the Bonds, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement have been obtained. 0) 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 or the pledge of the Tax Increment, 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 Creating Ordinances, the Project Plan Ordinances, the Bonds, the Indenture, 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. (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 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 10-106556.1 r • 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, Tax Increment receipts, and the current financial condition and valuation of property within the District, all as the Underwriter may reasonably request. 6. Closing. At 10:00 a.m. Little Rock time on April 19, 2005, 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 Fayetteville, Fayetteville, Arkansas, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 instruments as described in Section 8 of this Bond Purchase Agreement shall occur in the offices of Kutak Rock LLP, 425 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 6 10-106556.1 0 9 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, 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 7 10-106556.1 (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) there shall have been legislation enacted by the General Assembly of the State of Arkansas or there shall have been a decision rendered by a court of competent jurisdiction in the State of Arkansas that has, in the reasonable judgment of the Underwriter, the effect of reducing the amount of the Tax Increment available to secure the Bonds; or (xii) 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. 8. 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 forms approved by the City in the Indenture with only such changes therein as the I[oiULZiixl 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 Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, 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 or the Tax Increment shall have occurred, nor shall any development involving a prospective and material adverse change in, or affecting the business, financial condition, results of operations, prospects or properties of the District or the City have occurred; (c) Receipt of fully executed originals of the Indenture, 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 Underwriter 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, the Creating Ordinances and the Project Plan Ordinances and all other ordinances and resolutions of the City relating to the Bonds; (5) Photocopies of the Bonds as executed and delivered; (6) 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, the Creating Ordinances and the Project Plan Ordinances by all action necessary under the Act and the laws and Constitution of the State of Arkansas, including Amendment 78, and has duly authorized the execution, delivery and due performance of the Bonds, the Indenture, the Continuing Disclosure 9 10-106556.1 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 Increment, the Official Statement, the Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, the Indenture, the Continuing Disclosure Agreement, the Tax Regulatory Agreement, or this Bond Purchase Agreement; (iv) the Bonds, the Indenture, 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) none of the Authorizing Ordinance, the Creating Ordinances nor the Project Plan Ordinances have been amended, modified or repealed as of the Closing Date, and the Authorizing Ordinance, the Creating Ordinances and the Project Plan Ordinances 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, 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 issue the Bonds for the purposes stated in the Act and to enter into this Bond Purchase Agreement, to adopt the Authorizing Ordinance, the Creating Ordinances and the Project Plan Ordinances, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 signing the certificate, no event affecting the City or the Tax Increment 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; (7) 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, the Creating Ordinances and the Project Plan Ordinances, to execute and deliver the Bonds, the Indenture, 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, the Creating Ordinances and the Project Plan Ordinances 10 10-106556.1 have been duly adopted by the City by all action necessary under the Act and the laws and Constitution of the State of Arkansas, and remain in full force and effect; (iv) the Indenture, 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 PROJECT," "THE CITY AND THE DISTRICT" 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 Increment, the Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 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; (8) Evidence that Federal Form 8038-G has been executed by the City and is ready for filing with the Internal Revenue Service. (9) 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 11 10-106556.1 (10) 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 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 10-106556.1 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 Crews & Associates, Inc., First Security Center, 521 President Clinton Avenue, Suite 800, Little Rock, AR 72201, Attention: Mr. Robert Wright. 14. Nonassignability. 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 10-106556.1 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, Accepted and agreed to as of 9:00 p.m. on the date first above written: CITY OF FAYETTEVILLL, ARKANSAS By: Title: 14 10-106556.1 C1 ACCRETION SCHEDULE Date Accreted Value of a $5.000 Bond 4-19-05 $ 5,000.00 8-1-05 5,092.08 2-1-06 5,257.58 8-1-06 5,428.45 2-1-07 5,604.87 8-1-07 5,787.03 2-1-08 5,975.11 8-1-08 6,169.30 2-1-09 6,369.80 8-1-09 6,576.82 2-1-10 6,790.57 8-1-10 7,011.26 2-1-11 7,239.13 8-1-11 7,474.40 2-1-12 7,717.32 8-1-12 7,968.13 2-1-13 8,227.09 8-1-13 8,494.47 2-1-14 8,770.54 8-1-14 9,055.59 2-1-15 9,349.89 8-1-15 9,653.76 2-1-16 9,967.51 8-1-16 10,291.46 2-1-17 10,625.93 8-1-17 10,971.27 2-1-18 11, 327.84 8-1-18 11,695.99 2-1-19 12,076.11 8-1-19 12,468.59 2-1-20 12,873.81 8-1-20 13,292.21 2-1-21 13,724.21 8-1-21 14,170.25 2-1-22 14,630.78 8-1-22 15,106.28 2-1-23 15, 597.23 8-1-23 16,104.15 2-1-24 16,627.33 10-106556.1 A-1 Date Accreted Value of a $5,000 Bond 8-1-24 17,167.92 2-1-25 17,725.88 8-1-25 18, 301.97 2-1-26 18,896.79 8-1-26 19,510.93 2-1-27 20,145.04 8-1-27 20,799.75 2-1-28 21,475.74 8-1-28 22,173.71 2-1-29 22,894.35 8-1-29 23,638.42 10-106556.1 A-2 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: April _, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas The Bank of Fayetteville, as Trustee Fayetteville, Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 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 $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 and Arkansas Code Annotated (Supp. 2003) §§14-168-301 et seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. 4684 of the City, duly adopted and approved on March 15, 2005 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, 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 10-106556.1 B-1 • 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. 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, Amendment 78 and 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 receipts of the Tax Increment (as defined in the Indenture). 5. The Tax Increment receipts have been duly and validly assigned and pledged to the Trustee under the Indenture. 6. Interest on the Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Internal Revenue Code of 1986, as amended, that must be met subsequent to the issuance of the Bonds. Failure to comply with such requirements could cause interest on the Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Bonds. The City has covenanted to comply with such requirements. 7. The interest on the Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. 10-106556.1 B-2 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, 10-106556.1 B-3 C EXHIBIT C PROPOSED FORM OF BOND COUNSEL SUPPLEMENTAL OPINION April _, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas The Bank of Fayetteville, as Trustee Fayetteville, Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 Eat Square Redevelopment District No. 1 Project) Series 2005 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 March 15, 2005 (the "Bond Purchase Agreement"), by and between the City and Crews & Associates, Inc., as underwriter (the "Underwriter"); (b) An executed counterpart of the Continuing Disclosure Agreement dated April 19, 2005 (the "Disclosure Agreement"), by and between the City and The Bank of Fayetteville, as trustee (the "Trustee"); (c) An executed counterpart of the Tax Regulatory Agreement dated April 19, 2005 (the "Tax Regulatory Agreement"), by and between the City and the Trustee; and 10-106556.1 c-1 • (d) Portions of the Official Statement dated March 15, 2005, with respect to the Bonds (the "Official Statement"), captioned "INTRODUCTORY STATEMENT," "THE SERIES 2005 BONDS," "SECURITY FOR THE BONDS,", "ESTIMATED SOURCES AND USES OF FUNDS," "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: I. 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 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. 3. 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. 4. 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 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, 10-106556.1 C-2 CI EonS CITY OF FAYETTEVILLE, ARKANSAS to as Trustee TRUST INDENTURE Dated as of April 15, 2005 Providing for: City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project) Series 2005 KUTAK ROCK LLP DRAFT 03/09/05 Prepared by: 425 West Capitol Avenue, Suite 1100 Little Rock, Arkansas 72201 10-70831.5 • C1 TABLE OF CONTENTS (This Table of Contents is not a part of the Trust Indenture and is only for convenience of reference.) Page No. Parties.............................................................................................................................................. 1 Recitals............................................................................................................................................ 1 GrantingClauses ............................................................................................................................. 2 ARTICLE I DEFINITIONS Section101. Definitions........................................................................................................4 Section 102. Use of Words................................................................................................. 10 ARTICLE II THE BONDS Section 201. Security for the Bonds................................................................................... 10 Section 202. Authorized Amount....................................................................................... 11 Section 203. Details of Bonds............................................................................................. 11 Section204. Form............................................................................................................... 11 Section205. Payment.......................................................................................................... 12 Section206. Execution....................................................................................................... 12 Section207. Authentication................................................................................................ 12 Section 208. Delivery of the Bonds.................................................................................... 12 Section 209. Mutilated, Destroyed or Lost Bonds.............................................................. 13 Section 210. Registration and Transfer of Bonds............................................................... 14 Section211. Cancellation................................................................................................... 15 Section 212. Additional Bonds........................................................................................... 15 Section 213. Superior Obligations Prohibited.................................................................... 15 Section 214. [RESERVED]................................................................................................ 16 Section 215. Temporary Bonds........................................................................................... 16 ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY Section301. Redemption.................................................................................................... 16 Section302. Notice............................................................................................................. 17 Section 303. Selection of Bonds to be Redeemed.............................................................. 17 Section 304. Surrender of Bonds Upon Redemption.......................................................... 17 10-70831.5 i Section 305. Section 306. Section 307. Section 401. Section 402. Section 403. Section 404. Section 405. Section 406. Section 407. Section 408. Section 409. Section 410. Redemptionin Part........................................................................................ 17 Payment of Redemption Price....................................................................... 18 Redemption of Additional Bonds.................................................................. 18 ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Payment of Principal, Premium, if any, and Interest ..................................... 18 Performance of Covenants............................................................................. 18 Instruments of Further Assurance.................................................................. 19 Recordation and Filing...................................................................................19 Inspectionof Books.......................................................................................19 TaxCovenants............................................................................................... 19 Trustee's and Paying Agent's Fees and Expenses ......................................... 19 Completion of Project; Certification of Completion Date ............................. 20 Encumbrances................................................................................................ 20 Continuing Disclosure................................................................................... 20 FUNDS AND DEPOSITS Section 501. Creation of Funds and Accounts.................................................................... 20 Section 502. Project Fund................................................................................................... 21 Section 503. Revenue Fund................................................................................................ 22 Section504. Bond Fund...................................................................................................... 23 Section 505. Cost of Issuance Fund.................................................................................... 23 Section 506. Redemption Fund........................................................................................... 23 Section 507. Rebate Fund................................................................................................... 24 Section 508. Debt Service Reserve Fund............................................................................ 25 Section 509. Cessation of Fund Deposits........................................................................... 25 Section 510. Separate Accounts Authorized....................................................................... 25 Section 601. Section 602. Section 603. INVESTMENTS Investment of Moneys.................................................................................... 26 Investment Earnings....................................................................................... 26 Responsibility of Trustee............................................................................... 27 10-70831.5 11 ARTICLE VII I11I_.Yu C M atutE a 11rn1 Section 701. Discharge of Lien........................................................................................... 27 Section 702. Bonds Deemed Paid.......................................................................................27 Section 703. Non -Presentment of Bonds............................................................................ 27 ARTICLE VIII DEFAULT PROVISIONS AND REMEDIES OF TRUSTEE AND BONDHOLDERS Section 801. Events of Default........................................................................................... 28 Section 802. Acceleration................................................................................................... 28 Section 803. Other Remedies; Rights of Bondholders....................................................... 29 Section 804. Right of Bondholders to Direct Proceedings ................................................. 29 Section 805. Appointment of Receiver............................................................................... 29 Section806. Waiver............................................................................................................ 29 Section 807. Application of Moneys.................................................................................. 30 Section 808. Remedies Vested in Trustee........................................................................... 31 Section 809. Rights and Remedies of Bondholders............................................................ 31 Section 810. Termination of Proceedings........................................................................... 32 Section 811. Waivers of Events of Default 32 ......................................................................... ARTICLE IX TRUSTEE AND PAYING AGENTS Section 901. Acceptance of Trusts...................................................................................... 32 Section 902. Fees, Charges and Expenses of Trustee and Paying Agents; Trustee's PriorLien....................................................................................................... 34 Section 903. Additional Duties of Trustee.......................................................................... 35 Section 904. Notice to Bondholders of Default.................................................................. 35 Section 905. Intervention by Trustee.................................................................................. 36 Section 906. Merger or Consolidation of Trustee............................................................... 36 Section 907. Resignation by Trustee.................................................................................. 36 Section 908. Removal of Trustee........................................................................................ 36 Section 909. Appointment of Successor Trustee................................................................ 36 Section 910. Concerning Any Successor Trustee............................................................... 36 Section 911. Reliance Upon Instruments............................................................................ 37 Section 912. Appointment of Co-Trustee........................................................................... 37 Section 913. Designation and Succession of Paying Agents .............................................. 38 10-70831.5 111 ARTICLE X SUPPLEMENTAL INDENTURES Section 1001. Supplemental Indentures Not Requiring Consent of Bondholders ................ 38 Section 1002. Supplemental Indentures Requiring Consent of Bondholders ....................... 39 Section 1003. Effect of Supplemental Indentures................................................................. 40 "E R610iif*:il MISCELLANEOUS Section 1101. Section1102. Section 1103. Section 1104. Section 1105. Section 1106. Consents, etc. of Bondholders....................................................................... Notices........................................................................................................... Limitation of Rights....................................................................................... Severability.................................................................................................... Applicable Provisions of Law........................................................................ Counterparts................................................................................................... 40 40 41 41 41 41 Section 1107. Section1108. Section 1109. Section 1110. Successors and Assigns.................................................................................. Captions......................................................................................................... Photocopies and Reproductions.....................................................................41 Bonds Owned by the City.............................................................................. 41 41 42 Exhibit A Form of Series 2005 Bond............................................................................. A-1 Exhibit B Form of Requisition........................................................................................ B-1 Exhibit C Series 2005 Bond Accretion Schedule........................................................... C-1 10-70831.5 iv TRUST INDENTURE THIS TRUST INDENTURE is made and entered into as of April 15, 2005, by and between the CITY OF FAYETTEVILLE, ARKANSAS (the "City"), a city of the first class organized under and existing by virtue of the laws of the State of Arkansas, and [TRUSTEE NAME], as trustee (the "Trustee"), a organized under and existing by virtue of the laws of the and having its principal corporate trust office in Arkansas; WITNESSETH: WHEREAS, the City Council of the City has determined that there is a great need for a source of revenue to finance the costs of alleviating certain blight and encouraging economic development within the City and in furtherance of such purposes has created the Highway 71 East Square Redevelopment District No. I (the "District") pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004; and WHEREAS, the specific actions needed to alleviate such blight and encourage such development consist of (i) the acquisition of certain real property and the demolition of existing structures thereon, which property is located within the District and consists of the former Mountain Inn property and surrounding parcels, and (ii) the construction of certain sidewalk and crosswalk improvements within the District (the "2005 Project"); and WHEREAS, following the acquisition and demolition components of the 2005 Project described above, and upon the satisfaction of certain conditions set forth in that certain 2005 Redevelopment Agreement of even date herewith, the City intends to transfer the cleared real property to for the purpose of constructing a hotel and meeting facility thereon; and WHEREAS, the City is authorized and empowered under the provisions of the Constitution and laws of the State of Arkansas, including particularly Amendment 78 to the Constitution of the State of Arkansas ("Amendment 78") and Arkansas Code Annotated (2003 Supp.) Sections 14-168-301 et seq. (as from time to time amended, the "Act"), to issue and sell its bonds to finance the costs of various capital improvements within the District such as those comprising the 2005 Project, which bonds are to be secured by and payable from the ad valorem tax increment described in and authorized by the Act; and WHEREAS, pursuant to the provisions of Ordinance No. of the City, adopted by the City Council on [March 15], 2005 (the "Authorizing Ordinance"), and in accordance with the provisions of Amendment 78 and the Act, the City proposes to issue its Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Series 2005 Bonds") in the aggregate principal amount of $ , in order to provide for the financing of the 2005 Project; and 10-70831.5 • 0 WHEREAS, the City has further determined to enter into this Indenture to authorize the issuance of and to secure the Series 2005 Bonds by granting to the Trustee a pledge and assignment of the interests and other rights herein contained, and certain funds and accounts created hereby; and WHEREAS, the Series 2005 Bonds are to be dated, bear interest, mature and be subject to redemption as hereinafter in this Indenture set forth in detail; and WHEREAS, provision is made in this Indenture for the issuance of Additional Bonds (hereinafter defined) upon compliance with certain conditions set forth herein; and WHEREAS, the execution and delivery of this Indenture and the issuance of the Series 2005 Bonds have been in all respects duly and validly confirmed, authorized and approved under the provisions of the Authorizing Ordinance; and WHEREAS, all things necessary to make the Series 2005 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 pledge of the Tax Increment (as defined herein) to the payment of the principal of, premium, if any, and interest on the Series 2005 Bonds, as specified in and in accordance with 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 2005 Bonds, subject to the terms hereof, have in all respects been duly authorized; NOW, THEREFORE, KNOW ALL MEN 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 2005 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, premium, if any, and interest on the Series 2005 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 2005 Bonds and Additional Bonds (collectively, the "Bonds"), 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 securing of the performance of the obligations of the City hereinafter set forth the following: Subject only to the provisions of this Indenture permitting the application thereof for the purposes and on the terms and conditions set forth herein, the Tax Increment (as defined herein) and the Revenue Fund established by this Indenture, which are hereby irrevocably assigned and pledged to secure all obligations under this Indenture; and 10-70831.5 2 2. Separately to each series of Bonds issued hereunder, but subject to the provisions of this Indenture permitting the application thereof for the purposes and on the terms and conditions set forth herein, the related Accounts of the Bond Fund, the Debt Service Reserve Fund, the Project Fund and the Redemption Fund established by this Indenture, including the investment earnings thereon, if any; and 0 Any and all other properties, rights and interests of every kind and nature (including any proceeds realized upon the sale of the real property acquired with the proceeds of the sale of the Series 2005 Bonds) from time to time which have been, are hereby, or hereafter are, by delivery or by writing or transfer of any kind, conveyed, mortgaged, pledged, assigned or transferred, as and for additional security hereunder, by the City or by any other Person, firm or corporation, or with the written consent of the City, to the Trustee, which is hereby authorized to receive any and all such properties, rights and interests 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 (except as to the separate security described in clause 2 above); without privilege, priority or distinction as to lien or otherwise of any of the Bonds over any of the other Bonds; and provided further, 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 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, 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 is to be and remain in full force and effect. 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 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 10-70831.5 3 covenant, with the Trustee and with the respective owners 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. "Accountant" means an independent certified public accountant or a firm of independent certified public accountants. "Accreted Value" means, with respect to each Series 2005 Bond: (a) for any $5,000 minimum authorized denomination of a Series 2005 Bond, as of any Accretion Date, the amount set forth in Exhibit C hereto as the Accreted Value of a Series 2005 Bond as of such Accretion Date; (b) as of any date (for purposes of this paragraph (b), a "Calculation Date") that is not an Accretion Date, the sum of (i) the Accreted Value determined under paragraph (a) above, as appropriate, as of the most recent Accretion Date plus (ii) the amount determined pursuant to the following formula: (A-B)(X/180), where "A" is the Accreted Value determined under paragraph (a) above as of the Accretion Date immediately following such Calculation Date; "B" is the Accreted Value determined under paragraph (a) above as of the most recent Accretion Date; and "X" is the number of days such Calculation Date follows the most recent Accretion Date, determined assuming that each month in such period contains 30 days. "Accretion Date" means, with respect to the Series 2005 Bonds, (i) the date on which the Series 2005 Bonds are first issued by the City and February 1 and August 1 of each year, commencing August 1, 2005. "Act" means the enabling legislation for Amendment 78, codified as Arkansas Code Annotated (2003 Supp.) Sections 14-168-301 et seq., as from time to time amended. "Additional Bonds" mean Bonds in addition to the Series 2005 Bonds which are issued under the provisions of Section 212 of this Indenture. "Amendment 78" means Amendment No. 78 to the Constitution of Arkansas, approved by the voters of the State on November 7, 2000. 10-70831.5 4 "Annual Debt Service" means, with respect to all or any particular amount of Bonds, as the case may be, 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 Increment receipts. With respect to the Series 2005 Bonds, "Annual Debt Service" means the Debt Service for any particular year which is deemed to accrete or mature as described under the definition of Debt Service set forth below. "Authorized Representative" means the Mayor of the City and such additional person or 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 [March 15], 2005, which authorized the issuance of the Series 2005 Bonds pursuant to this Indenture. "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 Section 501 of this Indenture. "Bond Purchase Agreement" means each bond purchase agreement executed between the City and the Original Purchaser or Purchasers of a series of Bonds issued hereunder. "Bonds" mean the Series 2005 Bonds and all Additional Bonds issued by the City pursuant to 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, 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 initial 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. "Completion Date" means the date upon which a particular Project is completed, as certified by a Qualified Engineer in accordance with Section 408 hereof. "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, 10-70831.5 but not limited to, underwriting discounts, fees and expenses, placement agent fees and 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. "Costs of Issuance Fund" means the fund by that name created and established in Section 501 of this Indenture. "Debt Service" means, with respect to all or any particular amount of Bonds, the total as of any particular date of computation and for any particular period of the scheduled amount of interest and amortization of principal payable on such Bonds, excluding amounts scheduled during such period which relate to principal which has been retired before the beginning of such period. With respect to the Series 2005 Bonds, "Debt Service" shall include the increase in Accreted Value during such period of computation and the pro rata portion of principal allocable to such period of computation, assuming that the principal of the Series 2005 Bonds matures on a level basis over the life of the Series 2005 Bonds, but excluding amounts which relate to Series 2005 Bonds which have been retired before the beginning of such period. "Debt Service Reserve Fund" means the fund by that name created and established in Section 501 of this Indenture. "District" means the Highway 71 East Square Redevelopment District No. 1 created by the City under the authority of Amendment 78 and the Act pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004. "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 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. 10-70831.5 6 "Holder" or "Bondholder" or "owner of the Bonds" means the registered owner of any Bond. "Indenture" means this Trust Indenture dated as of April 15, 2005, between the City and the Trustee, pursuant to which the Bonds are issued, and any amendments and supplements hereto. "Investment Securities" 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; (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; and (e) money market mutual funds (1) that invest in Government Securities or that are registered with the U.S. 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. "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: 10-70831.5 7 (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. "Paying Agent" means any bank or trust company named by the City as the place at which the principal of and premium, if any, and interest on the Bonds are payable. "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. "Project" means the acquisition, construction, reconstruction, improving, extension or equipping of City infrastructure improvements to be financed with the proceeds of a series of Bonds. "2005 Project" means the acquisition of certain real property and the demolition of existing structures thereon, which property is located within the District and consists of the former Mountain Inn property and surrounding parcels, together with the construction of certain sidewalk and crosswalk improvements within the District. "Project Costs" shall have the meaning set forth in the Act, and shall include, with respect to a Project, all costs of planning, designing, purchasing, acquiring, constructing, reconstructing, improving, enlarging, extending, repairing, financing and placing a Project in operation, including the demolition of existing structures, and the costs of 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 a series of Bonds prior to the receipt of sufficient Tax Increment receipts to pay such interest as it becomes due; (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, reconstruction, improving, extending 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; 10-70831.5 8 (d) all other costs incurred in connection with, and properly allocable to, the acquisition, construction, reconstruction, improving, extending and equipping of a Project; and (e) amounts to pay or reimburse the City, any City fund or any other entity for expenses incident and properly allocable to such planning, designing, purchasing, acquiring, constructing, reconstructing, 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 either (i) the City's Building Services Director and Project Manager or (ii) 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, 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. "Redemption Fund" means the fund by that name established in Section 501 of this Indenture. "2005 Redevelopment Agreement" means that certain Redevelopment Agreement dated April _, 2005, between the City and , in connection with the 2005 Project. "Requisition" means a written requisition of the City in substantially the form set forth in Exhibit B hereto, 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. 10-70831.5 W "Reserve Requirement" means, with respect to each series of Bonds issued hereunder, at any particular time, an amount equal to 10% of the total Outstanding principal amount of such series of Bonds. "Revenue Fund" means the fund by that name created and established in Section 501 of this Indenture. "Series 2005 Bonds" means the City's Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No.1 Project), Series 2005, issued under and secured by this Indenture in aggregate principal amount not to exceed $ "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. "Tax Increment" shall have the meaning set forth in the Act, as determined by multiplying the incremental value of the real property within the District by the maximum applicable ad valorem rate permitted pursuant to the Act. "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" means the banking corporation or association designated as Trustee in the Indenture, and its successor or successors as such Trustee. The original Trustee is "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 the 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. 10-70831.5 10 (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 2005 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 or the 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) Except for the specific security provided separately for each series of Bonds issued hereunder and described in clause 2 of the granting clauses of this Indenture, 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 receipts derived from the Tax Increment 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 revenues or receipts shall ever be used or deposited otherwise except as herein expressly permitted. (e) The City covenants that while any of the Bonds are Outstanding it will use due diligence in causing the collection of the Tax Increment. Section 202. Authorized Amount. There is hereby authorized the issuance of bonds of the City to be designated "City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005" in the aggregate principal amount of Dollars ($ ) (the "Series 2005 Bonds"). No Bonds may be issued under the provisions of this Indenture except in accordance with this Article II. Section 203. Details of Bonds. The Series 2005 Bonds (i) shall be dated as of April _, 2005 [DATE OF DELIVERY], (ii) shall accrete interest at the rate of _% per annum from and including their dated date, such interest to be compounded semiannually on each February I and August 1, commencing August 1, 2005, as shown on Exhibit C hereto, and fully payable at maturity or upon earlier redemption of the Series 2005 Bonds, (iii) shall be issued in denominations of $5,000 each and in integral multiples of $5,000 in excess thereof, (iv) shall be numbered from R05-1 upwards in order of issuance according to the records of the Trustee, and (v) shall mature, unless sooner redeemed in the manner in this Indenture set forth, on August 1, 2029. Section 204. Form. The Series 2005 Bonds shall be initially issued as fully registered bonds, without coupons, in the form of one typewritten bond certificate to be delivered to The Depository Trust Company. The Series 2005 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 10-70831.5 11 Indenture. There shall be included with or printed on the Series 2005 Bonds the approving opinion of Bond Counsel. Section 205. Payment. The Series 2005 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, and accreted interest on the Series 2005 Bonds shall be payable upon surrender thereof at the principal corporate trust office of the Trustee. For purposes of this Indenture, interest on the Series 2005 Bonds shall be deemed to accrue and accrete on the basis of a 360 -day year of twelve 30 -day months. 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 the 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 Original Purchaser(s) as may be directed in this Section 208, in Section 212 hereof or in any Supplemental Indenture. (1) Prior to the delivery or original issuance by the Trustee of any authenticated Bonds of any series, there shall be delivered to the Trustee: (a) 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; (b) Original executed counterparts of the Tax Regulatory Agreement and Continuing Disclosure Agreement applicable to such series of Bonds; (c) An original executed Bond Purchase Agreement between the City and the Original Purchaser(s) of each series of Bonds; 10-70831.5 12 (d) With respect to the Series 2005 Bonds, an original executed counterpart of the 2005 Redevelopment Agreement; (e) 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; (f) A copy, duly certified by the City Clerk, of the proceedings of the City authorizing the issuance of the Bonds; (g) A written opinion of Bond Counsel approving the legality of the Bonds; (h) In the case of any series of Additional Bonds, a Certificate signed by the Mayor of the City 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; (i) In the case of any series of Additional Bonds, the Accountant's certificate described in Section 212 hereof and a written opinion of Bond Counsel to the effect that the exemption from federal income tax of the interest on the Series 2005 Bonds and any Additional Bonds theretofore issued will not be adversely affected by the issuance of the Additional Bonds being issued; and 0) Such further documents and certificates as may be required by the Original Purchaser(s) of such series of Bonds. (2) Upon the delivery of the Series 2005 Bonds to the Original Purchaser thereof, the Trustee shall apply the proceeds (i.e., $ ) as follows: (a) $ , an amount equal to the Reserve Requirement with respect to the Series 2005 Bonds, shall be deposited in the Series 2005 Account of the Debt Service Reserve Fund; (b) 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; and (c) The balance of said proceeds, in the amount of $ , shall be deposited in the Series 2005 Account of the Project Fund and disbursed as directed by the City pursuant to Section 502 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, 10-70831.5 13 0 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 Holder'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 Holder with the Trustee evidence satisfactory to the Trustee that such Bonds were destroyed or lost, and of the Holder'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, premium 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 effectual to satisfy and discharge the liability upon such Bond to the extent of the sum or sums so paid. Subject to the limitations set forth below, 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 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. 10-70831.5 14 The Trustee shall not be required to transfer or exchange any Bond after the mailing of notice calling such Bond for redemption has been made, and prior to such redemption. 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 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 a Project, (ii) refunding the Series 2005 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 2005 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 an Accountant's certificate stating that, based upon necessary investigation, the Tax Increment receipts transferred to the Trustee for deposit to the Revenue Fund during the most recent twelve (12) months were not less than (i) 150% of the average Annual Debt Service on all then Outstanding 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 Increment 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 Increment 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 Increment receipts and the Revenue Fund into the Bond Fund, Debt Service Reserve Fund and Redemption Fund or from said Bond Fund, Debt Service Reserve Fund and Redemption Fund for the payment of principal of and interest on the Bonds. 10-70831.5 15 Section 214. [RESERVED]. Section 215. 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 Bonds 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 Holder of such Bond in temporary form. ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY Section 301. Redemption. (a) The Series 2005 Bonds shall be subject to redemption prior to maturity on any date, in whole or in part (in authorized denominations of the Series 2005 Bonds), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, (i) from moneys in the Series 2005 Account of the Project Fund in excess of the amount needed to complete the 2005 Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of any of the real property originally acquired with the proceeds of the Series 2005 Bonds, which moneys shall be transferred to the Series 2005 Account of the Redemption Fund pursuant to Section 502(d) hereof. (b) The Series 2005 Bonds shall be subject to redemption prior to maturity on each February 1, in whole or in part (in authorized denominations of such Series 2005 Bonds), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, to the extent of.(i) Tax Increment receipts deposited in the Series 2005 Account of the Redemption Fund pursuant to Section 503 hereof, and (ii) investment earnings and permitted reductions in the balance of the Debt Service Reserve Fund deposited in the Series 2005 Account of the Redemption Fund pursuant to Section 508 hereof. (c) On and after February 1, 2010, the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in authorized denominations of the Series 2005 Bonds), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. (d) Upon any determination that the Tax Increment is to be calculated by including [all of][any portion of] the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas within the "applicable ad valorem rate" (as defined in the Act), which determination is evidenced by (i) an opinion of the Arkansas Attorney General, (ii) a decision by an Arkansas 10-70831.5 16 0 court of competent jurisdiction, (iii) legislation enacted by the Arkansas General Assembly, or (iv) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the principal amount of the Outstanding Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. [WHAT ABOUT A SITUATION WHERE ADDITIONAL MILLS ARE LEVIED?] 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 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. 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, 10-70831.5 17 0 S 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, in aggregate principal amount equal to and in exchange for the unredeemed portion of the principal of the Bond so surrendered. Section 306. Payment of Redemption Price. For the redemption of any of the Series 2005 Bonds, the City shall cause to be deposited from the appropriate Account of the Redemption Fund to the corresponding Account in the Bond Fund an amount sufficient to pay the Accreted Value of such Series 2005 Bonds to be redeemed as of the date fixed for such redemption. The obligation of the City to cause any such deposit to be made hereunder shall be reduced by the amount of moneys in the applicable Account in the Bond Fund available on such redemption date for payment of the Accreted Value on the Series 2005 Bonds to be redeemed. Section 307. Redemption of Additional Bonds. Additional Bonds may 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. ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Section 401. Payment of Principal, Premium, if any, 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. Said principal, premium, if any, and 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 to use due diligence in causing the collection of the Tax Increment in the maximum amount permissible under the Act and Amendment 78. 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 Amendment 78 and the Act, to issue the Bonds authorized hereby and to execute this Indenture and to make the pledge of the Tax Increment 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. The City covenants that the District has been duly formed 10-70831.5 18 and is validly existing under the authority of Amendment 78 and the Act. The City further covenants that the District will continue to exist until at least the earlier of (i) August 1, 2029, or (ii) the date all of the Bonds issued hereunder have been paid in full. Notwithstanding the foregoing, the City understands and agrees that Section 9 of the Act (Arkansas Code Annotated Section 14-168-308) provides in part that no redevelopment district may be terminated so long as bonds with respect to the district remain outstanding. The City acknowledges that this provision of the Act was material to the decision of the Original Purchaser of the Series 2005 Bonds to make such investment. Section 403. Instruments of Further Assurance. At any and all times 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 receipts from the Tax Increment 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 shall be made of its transactions relating to the Project and the Funds and Accounts established by this Indenture. Section 406. 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. 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. 10.70831.5 19 0 Section 408. Completion of Project; Certification of Completion Date. The City hereby covenants to use its best efforts to complete each Project being financed with proceeds of the Bonds with all reasonable dispatch and to use its best efforts to cause each 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 a Project 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 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 applicable Account of 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 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. For purposes of this Section 410 only, "Beneficial Owner" shall mean any Person which (a) has 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) or (b) is treated as the owner of Bonds for federal income tax purposes. ARTICLE V FUNDS AND DEPOSITS Section 501. Creation of Funds and Accounts. (a) There are hereby created and established the following Funds and Accounts: (i) Project Fund, and a Series 2005 Account therein; 10-70831.5 20 r (ii) Revenue Fund (which shall be the fund mandated by Section 14- 168-305(e) of the Act and created in Section 5 of Ordinance No. 4608 of the City); (iii) Bond Fund, and a Series 2005 Account therein; (iv) Redemption Fund, and a Series 2005 Account therein; (v) Debt Service Reserve Fund, and a Series 2005 Account therein; (vi) Cost of Issuance Fund; and (vii) Rebate Fund, and a Series 2005 Account therein. (b) 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 deposit a portion of the proceeds of the Series 2005 Bonds to the credit of the Series 2005 Account of the Project Fund in accordance with the written directions of the City given as provided in Section 208 of this Indenture. In addition, upon the sale of any portion of the real property originally acquired with the proceeds of the Series 2005 Bonds, the first $120,000 of sale proceeds realized by the City from such sale shall be deposited to the Series 2005 Account of the Redemption Funds pursuant to Section 506(a) hereof. Any remaining sale proceeds shall be deposited to the Series 2005 Account of the Project Fund to be used for the purpose of constructing the sidewalk and crosswalk improvement components of the 2005 Project. (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 or reimbursement of Project Costs; provided, however, expenditures related to the sidewalk and crosswalk construction components of the 2005 Project shall be made only from the property sale proceeds described in subsection (a) above. Disbursements shall be made from the Project Fund on the basis of consecutively numbered Requisitions in the form attached hereto as Exhibit B 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; I0-70831.5 21 (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 portion of the Project being financed with a particular series of Bonds, the City shall deliver to the Trustee its Certificate stating that the applicable portion of the Project 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 appropriate Account of the Redemption Fund for application to the retirement of Bonds by redemption or purchase, as provided by Section 301(a) and (b) and Section 506 hereof. With respect to the 2005 Project, the delivery of the Trustee's Certificate and fund transfer obligation shall be performed separately with respect to the completion of (i) the acquisition and demolition component of the 2005 Project and (ii) the sidewalk and crosswalk construction component of the 2005 Project. (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 of the Bonds. Section 503. Revenue Fund. (a) The Revenue Fund created and established as set forth in Section 501(a)(ii) hereof is hereby assigned to the Trustee for the benefit of the Bondholders as permitted by the Act. There shall be deposited to the credit of the Revenue Fund, as and when received, all receipts derived from the Tax Increment. (b) Upon receipt, but in no event later than the last day of each month in which Tax Increment receipts are deposited in the Revenue Fund, there shall be transferred from the Revenue Fund, in the following order, the amounts set forth below: FIRST: For deposit to the appropriate Accounts of the Debt Service Reserve Fund, an amount sufficient to cure any deficiency therein; 10-70831.5 22 SECOND: For deposit to the appropriate Accounts of the Rebate Fund, an amount sufficient to satisfy the City's obligations under Section 507 hereof; THIRD: 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; and FOURTH: All remaining moneys will be transferred to the Redemption Fund and shall be applied to call Bonds for redemption prior to maturity as provided in Section 301(a) and (b) and Section 506 hereof; provided, however, that such transfers shall be made to the various Accounts of the Redemption Fund in proportion to the Outstanding principal amounts of the related series of Bonds and in such amounts as will cause the redemption of Bonds in minimum authorized denominations. (c) 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. Section 504. Bond Fund. (a) There shall be deposited to the credit of the appropriate Accounts in the Bond Fund all moneys required to be transferred thereto pursuant to Sections 505 and 506 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) On each redemption date for any of the Series 2005 Bonds Outstanding, the Trustee shall transfer out of moneys credited to Series 2005 Account of the Bond Fund the amount required for the payment of the Accreted Amount of the Series 2005 Bonds being redeemed on such date unless the payment of such amount shall be otherwise provided for, and such amount shall be applied to such payments. (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 June 1, 2005 with respect to the Series 2005 Bonds), any remaining moneys in the Cost of Issuance Fund shall be transferred to the Series 2005 Account of the Bond Fund. Section 506. Redemption Fund. (a) There shall be deposited to the credit of Accounts within the Redemption Fund all moneys required to be transferred thereto pursuant to Section 502, 503 and 508 of this Indenture. In addition, the first $120,000 of proceeds realized by the City upon the sale of all or any portion of the real property originally acquired with the proceeds of the Series 2005 Bonds shall be transferred to the Series 2005 Account of the Redemption Fund. 10-70831.5 23 (b) Moneys credited to the Redemption Fund shall be expended only as set forth in this Section 506. (c) Moneys in Accounts within the Redemption Fund shall be transferred to corresponding Accounts within 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 in minimum authorized principal amounts. (d) The amounts accumulated in Accounts within 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 corresponding series 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. 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, and a separate Account within the Rebate Fund with respect to each series of Bonds issued hereunder, which Fund and Accounts are 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 into the appropriate Account of 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 each 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 the Finance and 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 an Account within the Rebate Fund after payment to the United States, within sixty (60) days after the date on which the last Bond of the corresponding series 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. 10-70831.5 24 0 (e) The Trustee, as instructed by Certificate of the City, shall invest all amounts held in the Rebate Fund in Investment Securities, subject to the restrictions set forth in the applicable Tax Regulatory Agreements. 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. As provided in Section 208 hereof, upon the issuance of each series of Bonds there shall be deposited into the appropriate Account within the Debt Service Reserve Fund, from the proceeds of such series of Bonds, an amount sufficient to cause the amounts on deposit therein to be equal to the Reserve Requirement with respect to such series of Bonds. Each Account within the Debt Service Reserve Fund shall be maintained in an amount equal to the applicable Reserve Requirement. Moneys in Accounts in the Debt Service Reserve Fund shall be used solely to pay the Accreted Value of the applicable series of Bonds for which there are no available funds in the Bond Fund to make such payments, as the same become due at maturity. If the amount in an Account within the Debt Service Reserve Fund is reduced below the applicable 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 Accounts within 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 corresponding series of Bonds. If an excess shall exist at any time in an Account within the Debt Service Reserve Fund over and above the applicable Reserve Requirement, such excess shall be transferred to the corresponding Account of the Redemption Fund. The Trustee shall consider any excess that will result following redemption in part pursuant to Section 301(a), (b) or (c), and shall transfer such excess to the appropriate Account of the Redemption Fund so as to maximize the principal amount of Bonds called for redemption. Section 509. Cessation of Fund Deposits. When the moneys in the applicable Accounts of 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 or Accreted Value on all Bonds of the corresponding series 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 any Paying Agent, the City shall have no further obligation to make further payments into said Accounts. 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. 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 Increment receipts received by the City and deposited in the Revenue 10-70831.5 25 0 Fund shall be divided for deposit into Accounts within the Bond Fund and/or Redemption Fund for each series of Bonds proportionately with the Outstanding principal amount of each series of Bonds, to the end that the Bonds of each series shall be equally and ratable secured by the Tax Increment receipts. Any Supplemental Indenture authorizing the issuance of Additional Bonds may 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 Securities 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 Securities of Debt Service Reserve Fund moneys shall not exceed years from the date of investment therein. Moneys in separate Funds or Accounts may be commingled for the purpose of investment. Investments in any Fund or Account shall be evaluated at least annually by the Trustee, and in any event within thirty (30) days prior to the end of each Fiscal Year. The Trustee shall report such determination of value to the City. For the purpose of determining the amount in any Fund or Account, the City and the Trustee shall value all Investment Securities credited to such Fund or Account at the price at which such Investment Securities 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 Securities minus the amortization of any premium or plus the amortization of any discount thereon and (ii) the market value of such Investment Securities, provided that Investment Securities 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 Securities 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 602. Investment Earnings. Subject to the provisions of each Tax Regulatory Agreement and Article V hereof, Investment Securities 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. 10-70831.5 26 Section 603. 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 @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. 10-70831.5 27 r 0 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 all 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, 10-70831.5 28 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(l) 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 Increment receipts, 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 10-70831.5 29 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 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 10-70831.5 30 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 (1) 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 10-70831.5 31 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, the 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 AGENTS 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 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 10-70831.5 32 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 Mayor 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 under the City's 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 10-70831.5 33 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 Increment 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 Agents; Trustee's Prior Lien. (a) Subject to subsection (b) of this Section 902, the City shall, from moneys lawfully available therefor, pay to the Trustee and any 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 2005 Bonds, the Trustee's initial authentication fee shall be $ and the annual administration fee of the Trustee shall be up to, but not exceeding, $ . 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. 10-70831.5 34 S 0 (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 $ 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 $ 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 2005 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 (cost and market value) 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. 10-70831.5 35 • 0 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 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 Recorder/Treasurer 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 10-70831.5 36 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 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 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 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: (1) 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 (2) 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 10-70831.5 37 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 Agents. The Trustee and any other banks or trust companies designated as Paying Agent or Paying Agents in any Supplemental Indenture or in an instrument appointing a successor Trustee shall be the Paying Agent or Paying Agents for the Bonds. Any bank or trust company with which or into which any Paying Agent may be merged or consolidated, or to which the assets and business of such Paying Agent may be sold, shall be deemed the successor of such Paying Agent for the purposes of this Indenture. If the position of Paying Agent shall become vacant for any reason, the City shall, within thirty (30) days thereafter, appoint such bank or trust company as shall be specified by the City as such Paying Agent to fill such vacancy; provided, however, that, if the City shall fail to appoint such Paying Agent within said period, the Trustee shall make such appointment. The Paying Agents 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; 10-708315 38 0► • (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 (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) depriving 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 of this Article X. 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 10-70831.5 39 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: City: City of Fayetteville 113 West Mountain Fayetteville, Arkansas 72701 Attention: Mayor 10-70831.5 40 S Trustee: Arkansas Attention: 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. 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. 10-70831.5 41 L� • Section 1110. Bonds Owned by the 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. [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 10-70831.5 42 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 By:, Mayor ATTEST: City Clerk (SEAL) as Trustee By: Title: ATTEST: By:_ Title: (SEAL) 10-70831.5 43 ACKNOWLEDGMENT STATE OF ARKANSAS ) ) ss. COUNTY OF WASHINGTON ) Before me a Notary Public, duly commissioned, qualified and acting within and for the State and county aforesaid, appeared in person the within named Dan Coody and Sondra Smith, Mayor and City Clerk, respectively, of the City of Fayetteville, Arkansas, to me personally known, who stated that they were duly authorized in their respective capacities to execute the foregoing instrument for and in the name of the City, and further stated and acknowledged that they had signed, executed and delivered the foregoing instrument for the consideration, uses and purposes therein mentioned and set forth. IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal this _ day of April, 2005. Notary Public My Commission expires: (SEAL) [ACKNOWLEDGEMENT TO TRUST INDENTURE] 10-70831.5 44 • 0 ACKNOWLEDGMENT STATE OF ARKANSAS ) ss. COUNTY OF ) Before me a Notary Public, duly commissioned, qualified and acting within and for the State and county aforesaid, appeared in person the within named and the and the , respectively, of , to me personally known, who stated that they were duly authorized in their respective capacities to execute the foregoing instrument for and in the name of the [Bank], and further stated and acknowledged that they had signed, executed and delivered the foregoing instrument for the consideration, uses and purposes therein mentioned and set forth. IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal this _ day of April, 2005. Notary Public My Commission expires: (SEAL) [ACKNOWLEDGEMENT TO TRUST INDENTURE] 10-70831.5 45 • EXHIBIT A TO TRUST INDENTURE Form of Series 2005 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. R05 - REGISTERED UNITED STATES OF AMERICA STATE OF ARKANSAS CITY OF FAYETTEVILLE, ARKANSAS TAX INCREMENT INTEREST ACCRETION BOND (HIGHWAY 71 EAST SQUARE REDEVELOPMENT DISTRICT NO. 1 PROJECT) SERIES 2005 Interest Rate: % Date of Bond: April _, 2005 Registered Owner: CEDE & CO. Principal Amount: KNOW ALL MEN BY THESE PRESENTS: Maturity Date: August 1, 2029 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, hereby 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 the interest accreted thereon. This bond will accrete interest from the date of its issuance through maturity or earlier redemption at the Interest Rate per annum shown above, such interest to compound semiannually on February 1 and August 1 of each year, commencing on August 1, 2005, as set forth in Exhibit C to the Indenture identified and defined below. The Accreted Value (as defined in the Indenture) of this bond and any applicable redemption premium is payable in lawful money of the United States of America upon the presentation and surrender hereof at the principal corporate trust office of , , Arkansas, or its successor or successors, as trustee (the "Trustee"). Notwithstanding the foregoing, so long as Cede & Co. or another nominee of The Depository Trust Company is the registered owner of this bond, payment of the Accreted Value hereof and any redemption premium shall be made by wire transfer of immediately available funds. 10-70831.5 A-1 • i This bond, designated "Tax Increment Interest Accretion Bond (Highway 71 East Square Redevelopment District No. I Project), Series 2005", is one of a series of bonds aggregating Dollars (S ) (the "Series 2005 Bonds"). The Series 2005 Bonds are being issued for the purpose of financing the costs of acquiring certain real property within the District (as defined below) and demolishing existing structures thereon, and the construction of certain sidewalk and crosswalk improvements within the District (the "Project"), funding a debt service reserve, and paying the costs of issuance of the Series 2005 Bonds. The Series 2005 Bonds are issued under and are secured by and entitled to the protection of a Trust Indenture dated as of April 15, 2005 (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 Series 2005 Bonds, and the terms upon which the Series 2005 Bonds are issued and secured. The Series 2005 Bonds are issued pursuant to and in full compliance with the Constitution and laws of the State of Arkansas, including particularly Amendment No. 78 to the Constitution of Arkansas, as implemented by Act 1197 of 2001, codified as Arkansas Code Annotated (2003 Supp.) §§14-168-301 et seq. (as from time to time amended, the "Act"), and Ordinance No. of the City adopted [March 15], 2005, which ordinance authorized the execution and delivery of the Indenture and the issuance of the Series 2005 Bonds. In accordance with the Act, the City has pledged all receipts from the ad valorem tax increment (as defined in the Act, the "Tax Increment") relating to its Highway 71 East Square Redevelopment District No. 1 in order to provide funds for the repayment of the Series 2005 Bonds. The pledge of the receipts of the Tax Increment presently secure payment of the Series 2005 Bonds only, but such Tax Increment receipts may additionally be pledged to secure the payment of Additional Bonds issued under the provisions of the Indenture. The Indenture provides that the City may hereafter issue Additional Bonds from time to time 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 2005 Bonds and be equally and ratably secured by and entitled to the protection of the Indenture. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by an irrevocable pledge of and lien on the Tax Increment receipts, as more particularly described in the Indenture. In no event shall the Series 2005 Bonds constitute an indebtedness of the City within the meaning of any constitutional or statutory limitation or a pledge of the faith and credit of the City. The holder of this Series 2005 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 2005 Bonds and Additional Bonds, if any, issued under the Indenture and then outstanding 10-70831.5 A-2 0 may be declared and may become due and payable before the stated maturity thereof, together with accrued or accreted 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 2005 Bonds shall be redeemed prior to maturity on any date, in whole or in part, by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, (i) from moneys in the Series 2005 Account of the Project Fund in excess of the amount needed to complete the Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of the real property originally acquired with the proceeds of the Series 2005 Bonds. The Series 2005 Bonds shall be redeemed prior to maturity on each February 1, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, to the extent of Tax Increment receipts and investment earnings and permitted reductions in the balance of the Debt Service Reserve Fund deposited in the Series 2005 Account of the Redemption Fund. On a monthly basis, following any required transfers of Tax Increment receipts to satisfy deficiencies in the Debt Service Reserve Fund or the Rebate Fund and to pay Trustee fees and expenses, the remaining balance of such Tax Increment receipts shall be transferred to the various accounts of the Redemption Fund in proportion to the outstanding principal amounts of the related series of Bonds. On and after February 1, 2010, the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. Upon any determination that the Tax Increment is to be calculated by including [all of] [any portion of] the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas within the "applicable ad valorem rate" (as defined in the Act), which determination is evidenced by (i) an opinion of the Arkansas Attorney General, (ii) a decision by an Arkansas court of competent jurisdiction, (iii) legislation enacted by the Arkansas General Assembly, or (iv) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the principal amount of the Outstanding Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. In selecting Series 2005 Bonds for redemption prior to maturity, in the case any outstanding Series 2005 Bond is in a denomination greater than $5,000, each $5,000 of face value of such Series 2005 Bond shall be treated as a separate Series 2005 Bond of the denomination of $5,000. In the event any of the Series 2005 Bonds or portions 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 2005 Bond addressed to such registered owner at his registered address and placed in 10-70831.5 A-3 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 2005 Bond with respect to which no such failure or defect has occurred. Each notice shall identify the Series 2005 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 2005 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 2005 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 2005 Bonds are issuable as registered bonds without coupons in denominations of $5,000 and integrals of $5,000 in excess thereof. Subject to the limitations and upon payment of the charges provided in the Indenture, Series 2005 Bonds may be exchanged for a like aggregate principal amount of Series 2005 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 2005 Bonds or for any claim based thereon or upon any obligation, covenant or agreement contained in the Series 2005 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 2005 Bonds. This Series 2005 Bond is issued with the intent that the laws of the State of Arkansas will govern its construction. 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 2005 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 2005 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 2005 Bonds as the same become due and payable are expected to be sufficient in amount for that purpose. This Series 2005 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. 10-70831.5 A-4 IN WITNESS WHEREOF, the City of Fayetteville, Arkansas has caused this Series 2005 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 Mayor ATTEST: By: City Clerk (SEAL) (Form of Trustee's Certificate) TRUSTEE'S CERTIFICATE OF AUTHENTICATION This bond is one of the Series 2005 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 2005 Bonds. as Trustee Authorized Signature 10-70831.5 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. 10-70831.5 A-6 0 11 EXHIBIT B TO TRUST INDENTURE FORM OF REQUISITION City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds, Series 2005 Date: Requisition No.: TO: as Trustee Pursuant to the provisions of Section 502 of the Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City of Fayetteville, Arkansas (the "Issuer") 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 Issuer. The amount requested hereunder has not been the basis for any previous Requisition by the Issuer and is justly due and owing to the person(s) named herein as a proper payment or reimbursement of a Project Cost (as defined in the Indenture). 10-70831.5 B-1 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 10-70831.5 B-2 0 EXHIBIT C TO TRUST INDENTURE SERIES 2005 BOND ACCRETION SCHEDULE Accreted Value Accretion Date (per $5,000 minimum denomination) 10-70831.5 C-1 i T E ,e •' v - 2° Oo V 6tn co v v r� A - A E I..>-' ea v o "Jo ra o C,— >-0= '-a') o 0 _ V C 9 V l- V N L C) 1 Q N NV 0 0 0 O A J n 0 „'c V 3 E $ E C y E U Wo o nU u VV r c E ' . gco V C A u tn L - — c m o V N V c � 3 c m 82 g c o c .- e o . 3 CI- - 0 o_ 9 V C V V ` N E .E` 0 •V V S n Li —. C t V i E c v y o U V S � C F O., PRELIMINARY OFFICIAL STATEMENT DATED MARCH 11, 2005 NEW ISSUE BOOK -ENTRY ONLY NOT RATED In the opinion of Kutak Rock LLP, Bond Counsel, under existing laws, regulations, rulings and judicial decisions and assuming the accuracy of certain representations and continuing compliance with certain covenants, interest on the Series 2005 Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. Under existing law, Bond Counsel is of the opinion that the Series 2005 Bonds and the interest thereon are exempt from all state, county and municipal taxes in the State of Arkansas. See the caption "TAX MATTERS" herein. $3,735,000* CITY OF FAYETTEVILLE, ARKANSAS TAX INCREMENT INTEREST ACCRETION BONDS (HIGHWAY 71 EAST END REDEVELOPMENT DISTRICT NO. I PROJECT) SERIES 2005 Dated: April 19, 2005 Due: August 1, 2029 The Tax Increment Interest Accretion Bonds (Highway 71 East End Redevelopment District No. I Project), Series 2005 (the "Series 2005 Bonds"), are being issued by the City of Fayetteville, Arkansas (the "City") for the purpose of (i) financing the costs of acquisition of certain real property within the City, the demolition of existing structures thereon, site preparation in connection therewith, and the construction of sidewalk and crosswalk improvements, and (ii) paying certain expenses in connection with the issuance of the Series 2005 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and "THE PROJECT' herein. The Series 2005 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 2005 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2005 Bonds. Individual purchases of the Series 2005 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof Individual purchasers ("Beneficial Owners") of Series 2005 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. The Series 2005 Bonds shall accrete interest from their dated date at the rate of _% per annum, compounded semiannually on each February I and August 1, commencing August 1, 2005, as shown on Appendix B hereto. Such interest shall be payable only upon maturity or earlier redemption of the Series 2005 Bonds. The principal of, premium, if any, and accreted interest on the Series 2005 Bonds shall be payable upon surrender of the Series 2005 Bonds at the principal corporate trust office of (the "Trustee"). So long as DTC or its nominee is the registered owner of the Series 2005 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 April 15, 2005 (the "Indenture"), between the City and the Trustee, the payment of the principal of, premium, if any, and interest on the Series 2005 Bonds is secured by a pledge of the incremental ad valorem tax receipts (the "Tax Increment") derived with respect to the real property within the City's Highway 71 East End Redevelopment District No. I (the "District"). See the caption "SECURITY FOR THE BONDS" herein. Assuming the satisfaction of a prescribed coverage test set forth in the Indenture, the City has reserved the right to incur additional indebtedness to be secured by the Tax Increment on a parity basis with the Series 2005 Bonds. See the caption "THE SERIES 2005 BONDS — Additional Bonds" herein. The Series 2005 Bonds are subject to optional and mandatory redemption prior to maturity as more fully described herein under the caption "THE SERIES 2005 BONDS - Redemption." The Series 2005 Bonds are special obligations of the City secured by and payable solely from the Tax Increment and moneys in the funds and accounts established under the Indenture. The Series 2005 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 2005 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 2005 Bonds, except as described herein with respect to the Tax Increment. The Series 2005 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 2005 Bonds will be available for delivery in New York, New York, on or about April 19, 2005. • Preliminary; subject to change. O Crews&Associates Member First Secutlly Bancorp The date of this Official Statement is March ___,2005. CITY OF FAYETTEVILLE, ARKANSAS Issuer City Council Dan Coody, Mayor Kyle Cook Robert Ferrell Lioneld Jordan Shirley Lucas Don Man Robert Reynolds Robert Rhoads Brenda Thiel Steve Davis, Finance & Internal Services Director Sondra Smith, City Clerk Kit Williams, City Attorney , Arkansas Trustee and Paying Agent KUTAK ROCK LLP Little Rock, Arkansas Bond Counsel CREWS & ASSOCIATES, INC. Little Rock, Arkansas Underwriter 1 No dealer, broker, salesman or other person has been authorized by the City or by Crews & Associates, 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 2005 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 2005 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 2005 BONDS AT A LEVEL ABOVE THAT WHICH MIGHT OTHERWISE PREVAIL IN THE OPEN MARKET. SUCH STABILIZING, IF COMMENCED, MAY BE DISCONTINUED AT ANY TIME. THIS OFFICIAL STATEMENT CONTAINS CERTAIN FORWARD -LOOKING STATEMENTS, INCLUDING PROJECTIONS OF REAL PROPERTY VALUES AND INCREMENTAL AD VALOREM TAX RECEIPTS ATTRIBUTABLE TO THE DISTRICT. POTENTIAL PURCHASERS ARE CAUTIONED THAT FORWARD -LOOKING STATEMENTS ARE NOT GUARANTEES AND THAT ACTUAL RESULTS MAY DIFFER MATERIALLY AND ADVERSELY FROM THOSE PROJECTED IN FORWARD -LOOKING STATEMENTS. TABLE OF CONTENTS IntroductoryStatement........................................................................................................................ TheSeries 2005 Bonds........................................................................................................................ Securityfor the Bonds......................................................................................................................... RiskFactors......................................................................................................................................... Book -Entry Only System..................................................................................................................... TheProject........................................................................................................................................... Estimated Sources and Uses of Funds................................................................................................. Projected Tax Increment and Mandatory Redemptions....................................................................... TheCity and the District..................................................................................................................... Definitions of Certain Terms............................................................................................................... Summaryof the Indenture................................................................................................................... Summary of the Continuing Disclosure Agreement............................................................................ Underwriting........................................................................................................................................ TaxMatters.......................................................................................................................................... LegalMatters....................................................................................................................................... Miscellaneous...................................................................................................................................... Accuracy and Completeness of Official Statement............................................................................. APPENDIX A - Form of Bond Counsel Opinion................................................................................ APPENDIX B - Series 2005 Accretion Schedule................................................................................ APPENDIX C - Feasibility Study of District...................................................................................... APPENDIXD - Map of District.......................................................................................................... Page 1 2 4 7 8 10 15 18 22 26 28 28 29 29 ................ 30 0 PRELIMINARY OFFICIAL STATEMENT $3,735,000* CITY OF FAYETTEVILLE, ARKANSAS TAX INCREMENT INTEREST ACCRETION BONDS (HIGHWAY 71 EAST END REDEVELOPMENT DISTRICT NO. 1 PROJECT) SERIES 2005 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 Appendices hereto, is furnished in connection with the offering of Tax Increment Interest Accretion Bonds (Highway 71 East End Redevelopment District No. I Project), Series 2005, in the principal amount of $3,735,000(the "Series 2005 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 Amendment 78 to the Constitution of the State ("Amendment 78") and Arkansas Code Annotated (2003 Supp.) §§14-168-301 et seq. (as from time to time amended, the "Act"), to form redevelopment districts and to issue and sell bonds for the purpose of financing projects to alleviate blight and encourage economic development within such districts. Pursuant to Ordinance No. 4608 of the City adopted August 17, 2004, as subsequently amended and supplemented, the City has created Highway 71 East End Redevelopment District No. I (the "District"). The Series 2005 Bonds are to be issued by the City pursuant to Amendment 78, the Act and Ordinance No. _, adopted and approved on March_, 2005 (the "Authorizing Ordinance"), for the purpose of (i) financing the costs of acquiring certain real property within the District, demolishing existing buildings thereon, site preparation in connection therewith, and certain sidewalk and crosswalk improvements throughout the District (the "Project"), and (ii) paying the costs of issuing the Series 2005 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and 'THE PROJECT" herein. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by and payable solely from the moneys in the funds and accounts established under the Indenture (hereinafter defined) and from certain ad valorem tax receipts (the "Tax Increment") attributable to the increase in assessed value of real property within the District following its formation. See the captions "SECURITY FOR THE BONDS," "RISK FACTORS," "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" and "SUMMARY OF THE INDENTURE" herein. The faith and credit of the City are not pledged to the payment of the Series 2005 Bonds, and the Series 2005 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 2005 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 2005 Bonds, except as described herein with respect to the Tax Increment. Additional Bonds may be issued on a parity of security with the Series 2005 Bonds under certain circumstances set forth in the Indenture (hereinafter defined). The Series 2005 Bonds and any Additional Bonds are herein collectively referred to as the "Bonds." See the caption "THE SERIES 2005 BONDS - Additional Bonds" herein. The Series 2005 Bonds are subject to mandatory redemption (i) from excess moneys in the Project Fund following completion of the Project, (ii) from a portion of the proceeds realized upon the expected sale of the real property originally acquired with proceeds of the Series 2005 Bonds following completion of the Project, and (iii) from the Tax Increment. See the captions "THE SERIES 2005 BONDS — Redemption" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS." Preliminary; subject to change. ,w 0 Pursuant to the provisions of a Continuing Disclosure Agreement dated as of the date of delivery of the Series 2005 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 Increment 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 District, the Series 2005 Bonds, the Tax Increment, the Continuing Disclosure Agreement, and the Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and , Arkansas, as trustee (the "Trustee"), pursuant to which the Series 2005 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 document, and all references to the Series 2005 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 2005 Bond included therein, are available from the City by writing to the attention of the Finance and Internal Services Director, City of Fayetteville, City Administration Building, 113 West Mountain, Fayetteville, Arkansas 72701 and, during the initial offering period only, from the Underwriter, Crews & Associates, Inc., First Security Center, 521 President Clinton Avenue, Suite 800, Little Rock, Arkansas 72201. Certain financial and operating data have 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 2005 BONDS Description. The Series 2005 Bonds will be initially dated as of their date of delivery, and will accrete interest from such date at the rate of _% per annum, compounded semiannually on each February I and August 1, commencing August 1, 2005. The Series 2005 Bonds will mature, unless sooner redeemed, on August 1, 2029. The Series 2005 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 2005 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2005 Bonds. Individual purchases of the Series 2005 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof. Individual purchasers ("Beneficial Owners") of Series 2005 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. The principal of, premium, if any, and accreted interest on the Series 2005 Bonds shall be payable upon surrender thereof 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 2005 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 2005 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. Principal and accreted interest will be payable only upon maturity or earlier redemption of the Series 2005 Bonds. Redemption. (1) The Series 2005 Bonds shall be redeemed prior to maturity on any date, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value (as defined under the caption "DEFINITIONS OF CERTAIN TERMS" herein) thereof as of the date of redemption, (i) from moneys in the Project Fund in excess of the amount needed to complete the Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of the real property originally acquired with the proceeds of the Series 2005 Bonds. While it is not expected that there will be any excess moneys in the Project Fund following completion of the Project, it is anticipated that the real property acquired with the proceeds of the Series 2005 Bonds will be conveyed by the City to a private developer for a price of $300,000 following completion of the demolition and site preparation components of the Project and upon satisfaction of certain other conditions set forth in the Redevelopment Agreement. See the caption "THE PROJECT" herein. (2) The Series 2005 Bonds shall be redeemed prior to maturity on each February I, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, from the Tax Increment receipts on deposit with the Trustee following the use of such Tax Increment receipts as are necessary (i) to pay any arbitrage rebate due under Section 148(f) of the Internal Revenue Code of 1986, as amended (the "Code"), and (ii) to pay Trustee and Paying Agent fees and expenses. See the caption "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. 2 w • (3) On and after February 1, 2010, the Series 2005 Bonds are subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. (4) Upon (i) the levy of additional millage by any taxing unit, which additional millage is included within the District's "applicable ad valorem rate" (as defined in the Act) or (ii) any determination that the Tax Increment is to be calculated by including any portion of the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas or any portion of the disputed 4.5 mills claimed as part of the "debt service ad valorem rate" (as defined in the Act) by the Fayetteville School District within the "applicable ad valorem rate," which determination is evidenced by (a) an opinion of the Arkansas Attorney General, (b) a decision by an Arkansas court of competent jurisdiction, (c) legislation enacted by the Arkansas General Assembly, or (d) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the then outstanding principal amount of the Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. See the caption "SECURITY FOR THE BONDS — Tax Increment Generally — Determination of Applicable Ad Valorem Rate" herein. Partial Redemption of the Series 2005 Bonds. If less than all of the Series 2005 Bonds are called for redemption, the particular Series 2005 Bonds or portions of Series 2005 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 2005 Bonds, the procedures established by DTC shall control with respect to the selection of the particular Series 2005 Bonds to be redeemed. Notice of Redemption. Notice of the call for any redemption, identifying the Series 2005 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 2005 Bonds, by any other means acceptable to DTC, including facsimile) to the registered owner of each such Series 2005 Bond addressed to such registered owner at his registered address and mailed 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 2005 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 any additional project with respect to the District permitted by the Act, (ii) refunding the Series 2005 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 2005 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 by the Indenture for the issuance of Bonds, plus an Accountant's certificate stating that, based upon necessary investigation, the Tax Increment receipts transferred to the Trustee for deposit to the Revenue Fund during the most recent twelve (12) months were not less than 150% of the average Annual Debt Service on all then Outstanding Bonds, plus the Additional Bonds then proposed to be issued. No Additional Bonds shall be issued unless there is no default at the time of issuance under the Indenture. Transfer or Exchange. The Series 2005 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 Series 2005 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 Series 2005 Bond or Bonds in the same aggregate principal amount and of any authorized denomination or denominations. Transfers of registration or exchanges of Series 2005 Bonds shall be without charge to the Holders of such Series 2005 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 Series 2005 Bond requesting such transfer or exchange as a condition precedent to the exercise of such privilege. 3 The Trustee shall not be required to transfer or exchange any Series 2005 Bond after the mailing of notice calling such Series 2005 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 2005 Bonds, transfers of beneficial interests in the Series 2005 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. SECURITY FOR THE BONDS General. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by and payable solely from the moneys in the funds and accounts established under the Indenture and from certain ad valorem tax receipts (the "Tax Increment") attributable to the increase in the assessed value of real property within the District following its formation. See the captions "RISK FACTORS," "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" and "SUMMARY OF THE INDENTURE" herein. The faith and credit of the City are not pledged to the payment of the Series 2005 Bonds, and the Series 2005 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 2005 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 2005 Bonds, except as described herein with respect to the Tax Increment. Tax Increment Generally. The Tax Increment has been pledged to secure the payment of debt service on the Series 2005 Bonds pursuant to Ordinance No. duly adopted by the City Council of the City on March_, 2005 (the "Authorizing Ordinance"). Pursuant to the Act, the amount of the Tax Increment is to be calculated annually by multiplying the "incremental value" of the District by the "applicable ad valorem rate." The "incremental value" of a redevelopment district means the difference between (i) the assessed value of all real property within a district subject to taxation as of the most recent assessment of property value after the formation of such district (the "current value") and (ii) the assessed value of all real property within a district subject to taxation as of the most recent assessment of property value preceding formation of such district (the "base value"). The "applicable ad valorem rate" is the difference between (x) the total millage rate of all county, city, school or other local general property taxes levied on all taxable property within a redevelopment district in a year (the "total ad valorem rate") and (y) that portion of the total ad valorem rate pledged to the payment of debt service on bonds issued by any taxing unit in which all or any part of such redevelopment district is located and approved by the voters prior to January 1, 2001 (the "debt service ad valorem rate"). Determination of Incremental Value of District Real Property. The base value of the District real property has been certified by the Washington County Assessor as $31,446,555. Projections of growth in the assessed value of the real property within the District are set forth in the Feasibility Study of the Highway 71 East Square Redevelopment District No. I (the "Feasibility Study") prepared by the Center for Business and Economic Research of the Sam Walton College of Business at the University of Arkansas and attached hereto as Appendix C and under the caption "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. SUCH PROJECTIONS ARE BASED ON NUMEROUS FACTORS, SOME OF WHICH ARE DESCRIBED IN THE FEASIBILITY STUDY. THERE CAN BE NO ASSURANCE THAT ACTUAL GROWTH IN ASSESSED VALUE OF THE REAL PROPERTY WITHIN THE DISTRICT WILL APPROXIMATE SUCH PROJECTIONS. See the caption "RISK FACTORS" herein. Determination of Applicable Ad Valorem Rate. The Washington County Assessor has certified that the total ad valorem rate within the District is presently 51.86 mills broken down as follows: 44.2 mills for the Fayetteville School District (25.0 mills for maintenance and operations and 19.2 mills securing bond debt service); 5.86 mills for Washington County (4.75 mills for the general operations and 1.11 mills for the road fund); and 1.8 mills for the City of Fayetteville (1.0 mills for the Fayetteville Public Library, .4 mills for the Policemen's Pension and Relief Fund and .4 mills for the Firemen's Pension and Relief Fund). The Fayetteville School District millage securing bond debt service is the only portion of the total ad valorem rate that should be considered as a debt service ad valorem rate. Amendment 78, effective as of January 1, 2001, states that "there shall be excluded from the division all ad valorem taxes for debt service approved by voters in taxing unit prior to the effective date of this amendment." Forty-four mills were levied by the voters on September 19, 2000 on behalf of the Fayetteville School District, immediately prior to the effective date of Amendment 78. Twenty-five of those mills constitute the minimum levy required by Amendment 74 and by the language of that September 19, 2000 ballot "to be used solely for maintenance and operation of schools ...." See the discussion of Amendment 74 in the following paragraph. Although this required levy leaves only 19 potential mills for debt service, the ballot also stated: "The total proposed school tax levy of 44.0 mills includes ... 23.7 mills for debt service as a continuing levy ...." The current debt service levy for the School District pursuant to the County levying ordinance is 19.2 mills but the School District claims it should receive the increment on 23.7 mills which would include the increment on 4.5 mills levied by other governmental entities for other purposes. The City disagrees with this interpretation. In addition to the debt service ad valorem rate deduction, the Arkansas Attorney General has opined that the 25 mills levied by the Fayetteville School District for maintenance and operation purposes should not be included within the applicable ad valorem rate. Amendment 74 to the Constitution of the State of Arkansas mandates a statewide 25 -mill minimum for the maintenance and operation of local schools. This minimum millage is collected in the same manner as other property taxes, but the revenues generated therefrom are remitted by the county collectors to the State Treasurer for distribution to the school districts. It is the Attorney General's position that this 25 mills is levied by the State of Arkansas and is not a tax of a "taxing unit" within the meaning of the Act and is thus not available for inclusion within the applicable ad valorem rate. While an Attorney General's opinion is not binding on any Arkansas court or administrative body and while the City disagrees with the Fayetteville School District's interpretation as to the calculation of the debt service ad valorem rate, the City has nevertheless determined to structure the issuance of the Series 2005 Bonds by assuming that only 3.16 mills may be available as the applicable ad valorem rate. This assumption is utilized in the Feasibility Study attached hereto as Appendix C and in the tables set forth under the caption "PROJECTED TAX RECEIPTS AND MANDATORY REDEMPTIONS" herein. The City has determined to legally challenge both the Fayetteville School District's interpretation of the determination of the debt service ad valorem rate and the Attorney General's opinion that the 25 mills for school operations and maintenance are not eligible for inclusion in the applicable ad valorem rate. This challenge would likely take the form of a declaratory judgment action filed against the Washington County Assessor and Collector. A favorable outcome could conceivably result in an additional 29.5 mills (4.5 debt service mills + 25 operating mills) being included in the applicable ad valorem rate. NO ASSURANCE CAN BE GIVEN AS TO THE PROBABILITY OF SUCCESS IN ANY SUCH LEGAL CHALLENGE OR AS TO THE PRECISE REMEDY THAT WOULD GRANTED IN THE EVENT OF A FAVORABLE OUTCOME. INVESTMENT DECISIONS WITH RESPECT TO THE SERIES 2005 BONDS SHOULD BE MADE BASED ON THE ASSUMPTION THAT THE AVAILABLE AD VALOREM RATE WILL BE 3.16 MILLS ONLY. Ad Valorem Taxes Generally. Taxable real property is valued for tax purposes as of January 1 of each year and only real property owned by a taxpayer on January I is assessed for that calendar year. The assessment process is subject to rights of taxpayers to appeal and is not finalized until November of the year of assessment. Real property is currently assessed in an amount equal to 20% of its value, but this percentage can be increased or decreased by action of the Arkansas General Assembly. Following assessment, the total of the millage levied by each taxing entity (municipalities, counties, school districts and community college districts) in which the property is located is applied against the assessed value to determine the tax owed. The total taxes levied by all taxing authorities are collected together by the county collector of the county in which the property is located in the calendar year immediately following the year in which such taxes were levied. Taxes are due and payable between the third Monday in February and October 10. Taxes not paid by October 10 are deemed delinquent and are subject to a 10% penalty. Real estate as to which taxes are delinquent for two successive years is certified to the State Land Commissioner, who offers the property for sale. The proceeds of such sale are apportioned among the taxing authorities to which taxes are owed. Delinquent real property may be redeemed by the taxpayer within two years of the delinquency. For an historical view of the assessed value of real property within the entire City, see the caption "THE CITY — Economic Data" herein. Effect of Amendment 59. Under Amendment 59 to the Constitution of the State of Arkansas, all real property is subject to ad valorem taxation except for the following exempt categories: (i) public property used exclusively for public purposes; (ii) churches used as such; (iii) cemeteries used exclusively as such; (iv) school buildings; (v) libraries and grounds used exclusively for school purposes; and (vi) buildings and grounds used exclusively for public charity. Amendment 59 also authorizes the General Assembly to exempt from taxation the first $20,000 of value of a homestead of a taxpayer 65 years of age or older. Amendment 59 further provides that, except as provided therein in connection with the transition period following a county -wide reassessment (see also the discussion below regarding Amendment 79), (1) residential real property used solely as the principal place of residence of the owner shall be assessed in accordance with its value as a residence, (2) land (but not improvements thereon) used primarily for agricultural, pasture, timber, residential and commercial purposes shall be assessed upon the basis of its value for such use, and (3) all other real property subject to taxation shall be assessed according to its value. The Arkansas Supreme Court has held that the word "value," as used in a prior, substantially identical constitutional provision, means "current market value". Property owned by public utilities and common carriers and "used and/or held for use in the operation of the company..." is assessed for tax purposes by the Tax Division of the Arkansas Public Service Commission. Arkansas Code Annotated (1997 Repl.) Section 26-26-1605 provides that the Tax Division "shall assess the property at its true and full market or actual value" and that all utility property of a company, whether located within or without the State of Arkansas, is to be valued as a unit. Annually, each public utility and common carrier is required to file a report with the Tax Division. The Tax Division then reviews these reports, along with other reports (such as reports to shareholders, the Federal Communications Commission, the Federal Energy Regulatory Commission and the Interstate Commerce Commission), to determine the value of the property. Valuation is currently made on the basis of a statutorily prescribed formula with consideration given to (i) original cost less depreciation, replacement cost less depreciation or reconstruction cost less depreciation; (ii) market value of capital stock and funded debt; and (iii) capitalization of income. Once the value of a company's property as a unit is determined, the Tax Division removes the value allocable to out-of-state property and allocates the remainder among Arkansas taxing units on the basis of relative value within each jurisdiction. The Tax Division certifies the assessment to the county assessor who enters the assessment on the county assessment roll. County officials have no authority to change such assessment. All other real property is assessed by the elected assessor of each Arkansas county or other officials designated by law. Effect of Amendment 79. Amendment 79 to the Constitution of the State of Arkansas requires each county to appraise all market value real estate normally assessed by the county assessor at its full and fair value at a minimum of once every five years. The most recent county -wide reassessment in Washington County was completed in 2004 and the next such reassessment is scheduled for completion in 2007. Following any such county reappraisal, the county assessor is required to compare the assessed value of each parcel of real property reappraised or reassessed to the prior year's assessed value. If the assessed value of a parcel increased, then the assessed value must be adjusted as provided below. Subject to the special circumstances described in the second following paragraph, if a parcel is not the homestead and principal place of residence ("homestead") of a taxpayer, then any increase in the assessed value in the first year after reappraisal cannot be greater than 10% (or 5% if the parcel is the taxpayer's homestead) of the assessed value for the previous year. For each year thereafter, the assessed value shall increase by an additional 10% (or 5% if the parcel is the taxpayer's homestead) of the assessed value for the year preceding the first reassessment resulting from reappraisal; however, the increase cannot exceed the assessed value determined by the reappraisal prior to the adjustment mandated by Amendment 79. For property owned by public utilities and common carriers, any annual increase in the assessed value cannot exceed more than 10% of the assessed value for the previous year. The Amendment 79 limitations on increases in assessed value do not apply to newly discovered real property, new construction or substantial improvements to real property. If a homestead is purchased or constructed on or after January 1, 2001 by a disabled person or by a person over the age of 65, then that parcel will be assessed based on the lower of the assessed value as of the date of purchase or construction or a later assessed value. If a person is disabled or is at least 65 years of age and owns a homestead on January 1, 2001, then the homestead will be assessed based on the lower of the assessed value on January 1, 2001 or a later assessed value. When a person becomes disabled or reaches age 65 on or after January 1, 2001, that person's homestead should thereafter be assessed based on the lower of the assessed value on the person's 65th birthday, on the date the person becomes disabled or a later assessed value. The provisions of this paragraph do not apply to substantial improvements to real property. For real property described in the following paragraph, the applicable date, in lieu of January 1, 2001, is January 1 of the year following completion of the adjustments to assessed value described in the following paragraph. If there has been no county -wide reappraisal and resulting reassessment of value of real property in a county between January I, 1986 and December 1, 2000, then the assessed value of real property within that county is adjusted in a different manner from the process described above. In such case, the assessor compares the assessed value of each parcel to the assessed value of the parcel for the previous year. If the assessed value of the parcel has increased, then the assessed value of the parcel for the year in which the parcel is reappraised is adjusted by adding one-third (1/3) of the increase to the assessed value for the year prior to reappraisal. An additional one-third (1/3) of the increase is added in each of the next two years. The adjustment contemplated by this paragraph does not apply to the property of public utilities and common carriers. No adjustment will be made for newly discovered real property, new construction or substantial improvements to real property. Millage Rollbacks Under Amendments 59 and 79. In addition to the provisions of Amendments 59 and 79 discussed above, other provisions of these constitutional amendments provide for rollbacks in millage rates in certain specified circumstances. Amendment 59 provides that whenever a county -wide reassessment results in an overall increase in assessed value of 10% or more within the county, the tax rate of each taxing unit on property located in that county is to be adjusted as described in detail therein. The year in which the reassessment is completed is designated as the "Base Year." The assessed valuation for the Base Year is based on the reassessment. Amendment 79 requires that the rollback adjustments mandated by Amendment 59 be determined after adjustments are made to the assessed value under Amendment 79 (as described above). The "rolled -back" tax rates applicable to real property in the county are computed by (I) deducting from the total Base Year assessed value the assessed value of newly -discovered real property and new construction and improvements to real property to arrive at the reassessed value of previously assessed real property, (2) determining the tax rate necessary to produce from the previously assessed real property (on the basis of the Base Year assessment) the same amount of revenues produced from such property in the Base Year (on the basis of the last previous assessed value and the tax rate applicable to collections in the Base Year), and (3) either (a) fixing the tax rate determined in (2) as the tax rate for the real property, including newly discovered real property and new construction and improvements to real estate, or (b) if the tax rate so fixed would produce less than 110% of the revenues from real property produced in the Base Year, increasing the tax rate determined in (2) in an amount sufficient to produce 110% of such revenues. The enabling legislation for Amendment 59 provides that the "rollback" computation described above is to be made separately for each tax source or millage levy (in the case of school districts, this would require separate computations for operation and maintenance millage and debt service millage) with the new tax rate for each millage levy to be rounded up to the nearest 1/10 mill. Amendment 79 specifically provides that its rollback provisions shall not reduce the level of the minimum 25 mill levy mandated by Amendment 74 for maintenance and operation of local schools. Further, Amendment 78 provides that, after the effective date of any ordinance approving the project plan for a redevelopment district, no increases in the assessed valuation of property within such redevelopment district shall be taken into account in making the "rollback" calculation described above. Future Constitutional and Legislative Changes. Numerous constitutional amendments and legislative acts have been proposed and will continue to be proposed which would alter facets of ad valorem taxation in Arkansas generally, and its application in connection with redevelopment districts specifically. Many of such amendments and acts have been initiated in response to public school funding shortfalls in the State. There can be no assurance given as to the impact of the future enactment of any such amendments or bills on the size of the Tax Increment. See the caption "RISK FACTORS" herein. RISK FACTORS The following is a summary statement of certain risks to owners of the Series 2005 Bonds relating to timely payment of the Accreted Value of the Series 2005 Bonds at maturity or upon redemption and to the market value of the Series 2005 Bonds. This summary statement is intended to highlight certain risks and is not a complete statement of all such risks. Reference is made to the other portions of this Official Statement and in particular to the information under the captions "SECURITY FOR THE BONDS" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein for further details of the risks to owners of the Series 2005 Bonds. Real Property Value Growth. The City's ability to pay the Accreted Value of the Series 2005 Bonds at maturity or upon redemption prior to maturity is dependent on the growth in assessed valuation of the real property within the District. See the captions "SECURITY FOR THE BONDS" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. There are many factors beyond the control of the City which could have a significant impact on the level of such growth. A number of events could occur which would have an material adverse effect upon property values, and thus on the amount of Tax Increment receipts projected to be collected to pay Debt Service on the Series 2005 Bonds, including, but not limited to: (i) damage to or the destruction of significant components of real property within the District; (ii) a general economic downturn resulting in business closing or contributing to an inability of property owners to pay ad valorem taxes; and (iii) the enactment or approval of legislation or constitutional amendments which further limit the amount of annual increases in real property values or further restrict millages which are to be included within the applicable ad valorem rate (as defined in the Act). Limited Obligation of City. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by and payable solely from the Tax Increment receipts and moneys on deposit in the Funds and Accounts established in the Indenture. There can be no assurance that Tax Increment receipts deposited to the Revenue Fund will be available or sufficient in amount to pay the Accreted Value of the Series 2005 Bonds at maturity or upon redemption prior to maturity. In the event there are insufficient Tax Increment receipts to pay all of the Debt Service on the Series 2005 Bonds in a timely manner, the City has no obligation to utilize any other moneys to pay such Debt Service. Revision of State Property Tax System. The State of Arkansas' system of assessing and taxing real property for purposes of local ad valorem taxation for support of local political subdivisions, including cities, counties, school districts and community colleges, has been the subject in recent years of constitutional amendment, legislation and i S litigation. Given the current debate over alternatives to remedy a perceived deficiency in the funding of Arkansas' public schools, it is likely that the property tax system will continue to be the object of considerable controversy, legal challenges and legislative action. Given this distinct possibility of additional legislation, constitutional initiatives and referendums and litigation, there can be no assurance that Arkansas' system of assessing and taxing real property will remain substantially unchanged. It is possible that such changes as do occur could materially and adversely affect the amount of the Tax Increment. The approving opinion of Bond Counsel will be rendered based on the law existing as of the date of issuance of the Series 2005 Bonds and in reliance upon general legal presumptions in favor of the constitutionality of statutes and upon the holdings of existing case law. No Investment Rating. The Series 2005 Bonds are not rated by a securities rating agency. The City has not applied, and does not intend to apply, for any such rating. The absence of an investment rating may adversely affect the marketability of the Series 2005 Bonds. BOOK -ENTRY ONLY SYSTEM The Series 2005 Bonds will be issued only as one fully registered Series 2005 Bond, 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 2005 Bonds. The filly registered Series 2005 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 2005 Bonds. Owners of any book entry interests in the Series 2005 Bonds (the "book entry interest owners") described below, will not receive or have the right to receive physical delivery of the Series 2005 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 2005 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 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 2005 Bonds under the DTC system must be made by or through Direct Participants, which will receive a credit for the Series 2005 Bonds on DTC's records. The ownership interest of each actual purchaser of each Series 2005 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 2005 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 2005 Bonds, except in the event that use of the Book -Entry System for the Series 2005 Bonds is discontinued. 8 To facilitate subsequent transfers, all Series 2005 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 2005 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 2005 Bonds, DTC's records reflect only the identity of the Direct Participants to whose accounts such Series 2005 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 2005 Bonds in 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 2005 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 2005 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 2005 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. The Trustee and the City, so long as a book entry method of recording and transferring interest in the Series 2005 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 2005 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 2005 Bonds made to DTC or its nominee as the registered owner of the Series 2005 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 2005 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. THE PROJECT The proposed Project consists of the acquisition of four parcels of real property located within the District in the downtown area of the City, the demolition of the majority of the existing structures thereon and site preparation for subsequent development. In addition, it is anticipated that certain sidewalk and crosswalk improvements will be funded throughout the District utilizing certain portions of the sale proceeds described below. In view of the current conditions existing with respect to the property to be acquired, particularly the buildings previously operated as the Mountain Inn, the City believes that the completion of the Project will alleviate blight and encourage economic development within the District. The total cost of the Project is expected to be approximately $3.68 million. $2.613 million of this amount is the known acquisition cost of the real property, $887,000 is the estimate that has been developed by the City as the cost of demolishing the existing buildings and clearing and preparing the site so as to make it available for redevelopment, and the remaining $180,000 is the estimated cost of the sidewalk and crosswalk improvements. The present Project schedule anticipates property acquisition on April 20, 2005, commencement of demolition on or about June 1, 2005, and completion (except for the sidewalk and crosswalk improvements) in the third quarter of 2005. In the event the proceeds of the Series 2005 Bonds are insufficient to provide for the acquisition, demolition and site preparation costs of the Project in full, the deficiency is expected to be funded by the Developer (defined below). The City has had numerous discussions with the principals of East Square Development, LLC (the "Developer") concerning plans by the Developer to acquire the cleared real property upon completion of the Project and to construct a $19 million hotel/meeting place/condominium/parking deck development (the "Development") on such site. An agreement dated March 15, 2005 (the "Redevelopment Agreement"), has been entered into by and between the City and the primary principals of the Developer setting forth the purchase price ($300,000) and other terms and conditions with respect to any future conveyance of the Project real property to the Developer. In the Redevelopment Agreement, the Developer principals have covenanted to cause the construction of a Development having substantially the following components: (i) approximately 144 room, full service hotel; (ii) approximately 18 condominiums; (iii) approximately 12,000 square feet of conference/meeting space; (iv) approximately 300 space multistory parking deck; and (v) restaurants, small retail shops, day spa and a rooftop botanical garden. The Developer principals have agreed to cause the purchase of the Project real property from the City upon the expenditure of $887,000 of the proceeds of the Series 2005 Bonds for demolition and site preparation purposes, whether or not such demolition and site preparation can be completed at that level of expenditure. The Redevelopment Agreement requires engineering and architectural contracts with respect to the Development to be in place by the end of 2005. A construction contract shall be entered into by June I, 2006, and the Development shall be completed and ready for occupation no later than September 1, 2007. All requirements for completion dates are subject to force majeure and may be extended for good cause by the City Council. Upon the failure of the Developer to meet the required dates for entry into engineering, architectural and construction contracts, the City's remedy is the right to repurchase the Project real property for $10,000. Failure to complete the Development by September 1, 2007 results in liquidated damages of $834.73 per day until the Development is opened for business (not to exceed $300,504). Completion and occupancy of the Development is presently expected to occur in the third quarter of 2006. It should be noted that the Feasibility Study attached hereto as Appendix C assumes that the real property components of the Development will first be assessed in 2007 and will contribute to the Tax Increment in 2008. Any failure or delay in completion of the Development will have a negative impact on the amount of the Tax Increment available to redeem the Series 2005 Bonds. $180,000 of the proceeds received by the City upon the sale of the Project real property to the Developer will be utilized to construct various sidewalk and crosswalk improvements throughout the District. The remaining $120,000 of sale proceeds will be utilized to redeem a portion of the Series 2005 Bonds as described under the caption "THE SERIES 2005 BONDS — Redemption" herein. 10 • ESTIMATED SOURCES AND USES OF FUNDS The proceeds of the Series 2005 Bonds are expected to be used as follows: Sources of Funds(') Series 2005 Bond Proceeds $3.735.000 Total Sources: $3.735.000 Uses of Funds'� Deposit to Project Fund $3,500,000 Costs of Issuance and Underwriter's Discount 233,400 Contingency 1,600 Total Uses: S3.735.000 (1) Preliminary; subject to change. PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS The following table shows the projected Tax Increment during the next 25 years at varying levels and the corresponding mandatory redemptions of the Series 2005 Bonds at each such level. The Series 2005 Bonds are subject to mandatory redemption prior to maturity on each February 1, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, from Tax Increment receipts on deposit with the Trustee following the transfer of any amounts necessary (i) to pay any arbitrage rebate due under Section 148(f) of the Internal Revenue Code of 1986, as amended (the "Code"), and (ii) to pay Trustee and Paying Agent fees and expenses. The amount of the Tax Increment and Series 2005 Bond redemptions shown in the table immediately below are based on the projections set forth in the Feasibility Study of the District attached as Appendix C hereto. [THE REMAINDER OF THIS PAGE INTENTIONALLY BLANK] 0 C TABLE I ASSESSED VALUATION GROWTH AS SET FORTH IN THE FEASIBILITY STUDY Outstanding Series 2005 Series 2005 Bond Principal and Accreted Projected Tax Series 2005 Bond Principal Date Interest Prior to Increment Principal Outstanding After (February 1)1'1 Redemption(2) Receipts l'1 Redeemed Redemption 2006 $3,927,409 $ 131,375 $ 120,000 $ 3,615,000 2007 4,052,322 33,724 30,000 3,585,000 2008 4,284,153 81,971 70,000 3,515,000 2009 4,477,971 114,685 90,000 3,425,000 2010 4,651,538 145,574 105,000 3,320,000 2011 4,806,780 172,371 120,000 3,200,000 2012 4,939,082 202,262 130,000 3,070,000 2013 5,051,435 235,623 145,000 2,925,000 2014 5,130,768 272,908 155,000 2,770,000 2015 5,179,841 314,566 170,000 2,600,000 2016 5,183,106 361,175 180,000 2,420,000 2017 5,142,949 413,309 195,000 2,225,000 2018 5,040,888 471,703 205,000 2,020,000 2019 4,878,749 537,148 225,000 1,795,000 2020 4,621,699 610,539 235,000 1,560,000 2021 4,281,954 692,888 255,000 1,305,000 2022 3,818,634 785,345 265,000 1,040,000 2023 3,244,225 889,211 285,000 755,000 2024 2,510,757 1,005,962 305,000 450,000 2025 1,595,329 1,137,386 320,000 130,000 2026 491,316 1,285,302 130,000 -0- 2027 -0- 1,451,879 -- 2028 1,639,735 -- 2029 1.851.558 -- Totals: The Series 2005 Bonds are subject to mandatory redemption from Tax Increment receipts on each February 1. See the caption "THE SERIES 2005 Bonds — Redemption" herein. (2) Assuming for the purposes of this Preliminary Official Statement a coupon rate on the Series 2005 Bonds of 6.50% per annum. (3) Assuming (I) assessed valuation growth as set forth in the Feasibility Study attached hereto as Appendix C, (2) 3.16 mills of ad valorem taxes are available to pay debt service on the Series 2005 Bonds, and (3) $120,000 of proceeds available from the sale of real property to the Developer. See the captions "SECURITY FOR THE BONDS — Tax Increment" and "THE PROJECT" herein. 12 • TABLE 11 ASSESSED VALUATION GROWTH AT 2000-2004 MEDIAN RATE Outstanding Series 2005 Series 2005 Bond Principal and Accreted Projected Tax Series 2005 Bond Principal Date Interest Prior to Increment Principal Outstanding After (February 1)1'1 Redemption(2) Receipts(3) Redeemed Redemption 2006 $3,927,409 $ 131,375 $ 120,000 $ 3,615,000 2007 4,052,322 33,724 30,000 3,585,000 2008 4,284,153 81,971 70,000 3,515,000 2009 4,477,971 114,685 90,000 3,425,000 2010 4,651,538 145,574 105,000 3,320,000 2011 4,806,780 167,398 120,000 3,200,000 2012 4,939,082 191,167 120,000 3,080,000 2013 5,067,889 217,054 135,000 2,945,000 2014 5,165,850 245,247 140,000 2,805,000 2015 5,245,290 275,953 145,000 2,660,000 2016 5,302,716 309,395 155,000 2,505,000 2017 5,323,590 345,815 165,000 2,340,000 2018 5,301,428 385,482 170,000 2,170,000 2019 5,241,033 428,682 175,000 1,995,000 2020 5,136,652 475,732 185,000 1,810,000 2021 4,968,164 526,974 190,000 1,620,000 2022 4,740,373 582,781 200,000 1,420,000 2023 4,429,615 643,561 205,000 1,215,000 2024 4,040,490 709,756 215,000 1,000,000 2025 3,545,176 781,849 220,000 780,000 2026 2,947,899 860,366 230,000 550,000 2027 2,215,954 945,878 235,000 315,000 2028 1,352,972 1,039,010 240,000 75,000 2029 343,415 1.140,440 75.000 -0- (1) The Series 2005 Bonds are subject to mandatory redemption from Tax Increment receipts on each February I. See the caption "THE SERIES 2005 Bonds — Redemption" herein. (2) Assuming for the purposes of this Preliminary Official Statement a coupon rate on the Series 2005 Bonds of 6.50% per annum. (3) Assuming (1) assessed valuation growth for 2005 through 2009 as set forth in the Feasibility Study attached hereto as Appendix C and thereafter at the rate of 8.91% (the median rate of growth for real property within the District from 2000-2004), (2) 3.16 mills of ad valorem taxes are available to pay debt service on the Series 2005 Bonds, and (3) $120,000 of proceeds available from the sale of real property to the Developer. See the captions "SECURITY FOR THE BONDS — Tax Increment" and "THE PROJECT" herein. 13 TABLE III ASSESSED VALUATION GROWTH AT 1996-2000 MEDIAN RATE Outstanding Series 2005 Series 2005 Bond Principal and Accreted Projected Tax Series 2005 Bond Principal Date Interest Prior to Increment Principal Outstanding After (February I)(') Redemptiond2) Receipts(;) Redeemed Redemption 2006 $3,927,409 $ 131,375 $ 120,000 $ 3,615,000 2007 4,052,322 33,724 30,000 3,585,000 2008 4,284,153 81,971 70,000 3,515,000 2009 4,477,971 114,685 90,000 3,425,000 2010 4,651,538 145,574 105,000 3,320,000 2011 4,806,780 161,544 115,000 3,205,000 2012 4,946,800 178,556 115,000 3,090,000 2013 5,084,343 196,677 120,000 2,970,000 2014 5,209,703 215,979 120,000 2,850,000 2015 5,329,439 236,540 130,000 2,720,000 2016 5,422,327 258,441 130,000 2,590,000 2017 5,504,231 281,770 130,000 2,460,000 2018 5,573,296 306,621 135,000 2,325,000 2019 5,615,392 333,091 140,000 2,185,000 2020 5,625,857 361,288 140,000 2,045,000 2021 5,613,202 391,323 140,000 1,905,000 2022 5,574,327 423,316 145,000 1,760,000 2023 5,490,227 457,395 145,000 1,615,000 2024 5,370,692 493,697 150,000 1,465,000 2025 5,193,683 532,365 150,000 1,315,000 2026 4,969,855 573,554 150,000 1,165,000 2027 4,693,794 617,429 155,000 1,010,000 2028 4,338,100 664,164 155,000 855,000 2029 3,914,934 713.946 155.000 700,00014) Totals: S 7.905.025 $3.035.000 (1) The Series 2005 Bonds are subject to mandatory redemption from Tax Increment receipts on each February 1. See the caption "THE SERIES 2005 Bonds — Redemption" herein. (2) Assuming for the purposes of this Preliminary Official Statement a coupon rate on the Series 2005 Bonds of 6.50% per annum. (3) Assuming (1) assessed valuation growth for 2005 through 2009 as set forth in the Feasibility Study attached hereto as Appendix C and thereafter at the rate of 6.52% (the median rate of growth for real property within the District from 1996-2000), (2) 3.16 mills of ad valorem taxes are available to pay debt service on the Series 2005 Bonds, , and (3) $120,000 of proceeds available from the sale of real property to the Developer. See the captions "SECURITY FOR THE BONDS — Tax Increment" and "THE PROJECT" herein. (4) Under this scenario, it is projected that there would remain $700,000 in principal amount of Series 2005 Bonds outstanding at maturity having a total Accreted Value of $3,309,378. THE PROJECTED TAX INCREMENT AND MANDATORY REDEMPTION TABLES SET FORTH ABOVE ARE BASED ON THE PROJECTIONS FOR THE DISTRICT'S ASSESSED PROPERTY VALUE GROWTH (I) SET FORTH IN THE FEASIBILITY STUDY ATTACHED AS APPENDIX C HERETO OR (2) UTILIZING A COMBINATION OF THE PROJECTIONS IN THE FEASIBILITY STUDY AND HISTORICAL MEDIAN GROWTH RATES. THE ACTUAL AMOUNT OF THE TAX INCREMENT AND CORRESPONDING REDEMPTIONS WILL DEPEND ON NUMEROUS FACTORS, AND THERE CAN BE NO ASSURANCE GIVEN THAT THE TAX INCREMENT AVAILABLE TO REDEEM SERIES 2005 BONDS WILL APPROXIMATE SUCH PROJECTIONS. 14 0 THE CITY AND THE DISTRICT 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, 110 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 12/31/08 Kit Williams City Attorney 12/31/06 Sondra Smith City Clerk 12/31/08 Kyle Cook Alderman 12/31/06 Robert Ferrell Alderman 12/31/08 Lioneld Jordan Alderman 12/31/08 Shirley Lucas Alderman 12/31/06 Don Man Alderman 12/31/08 Robert Reynolds Alderman 12/31/06 Robert Rhoads Alderman 12/31/06 Brenda Thiel Alderman 12/31/08 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 lFI 0 C; 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 2001 24,585 22,750 2002 24,788 23,556 Source: Bureau of Economic Analysis. Retail sales figures for the MSA and the State are as follows: MSA State of MSA as % of Year 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 2003 3,968,812,000 29,920,716,000 13.26 2004 4,470,048,000 31,463,983,000 14.21 * 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 541,004,690 158,688,783 699,693,473 2003 565,846,525 167,638,657 733,485,182 2004 649,361,820 183,102,702 832,464,522 Source: Washington County Tax Assessor's Office. The assessed value represents 20% of the appraised value of property. 16 Li • Building permits issued by the City' ) are shown below for the years indicated: 2000 2001 2002 2003(�) 2004 Residential Building Permits 361 339 328 735 755 Commercial Building Permits 37 38 35 31 29 Value of All Building Permits $121,887,263 $85,262,302 $100,809,486 $179,007,987 $164,695,359 (1) Does not include building activity of the University of Arkansas, school permits and additions/alterations to existing structures. (2) Increase largely due to the permitting of a significant number of multifamily developments as well as an acceleration of permit requests in advance of the imposition of impact fees by the City. 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 3.0 6.3 2004 4.0 5.6 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 2005 of approximately 16,100. For the 2004-05 fiscal year ending June 30, 2005, the University has an operating budget in excess of $217 million, which does not include the agricultural experimentation station or other associated operations. On the Fayetteville campus, the University employs approximately 2,450 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 Pinnacle Foods, International Superior Industries Washington Regional Medical Center Northwest Arkansas Mail Tyson Foods Fayetteville School District City of Fayetteville Arkansas Western Gas Co. Ayrshire Electronics Hanna's McClinton Anchor Company Veteran's Admin. Medical Center Wal-Mart Supercenter Washington County Government Source: Fayetteville Chamber of Commerce. Product or Service Frozen Dinners Cast Aluminum Wheels Medical Retail (all stores) Food Products Education Government Utilities Manufacturing Potpourri, Soup & Candles Limestone & Hot Mix Medical Retail Government Employee Range 1,000-2,499 1,000-2,499 1,000-2,499 1,000-2,499 800-1,599 500-999 300-499 300.499 300-499 300-499 300-499 300-499 300-499 300-499 17 The District. Highway 71 East Square Redevelopment District No. I (the "District") was created pursuant to Amendment 78 and the Act by Ordinance No. 4608 of the City Council adopted on August 17, 2004, as amended by Ordinance No. 4662 of the City adopted on December 28, 2004. The District's geographical boundaries were expanded to their present location by Ordinance No. 4673 adopted on January 25, 2005 and are shown on the District map attached hereto as Exhibit D. The District encompasses approximately 360.38 acres containing 1,111 separate parcels. The base value of the District real property for 2004 has been certified by the Washington County Assessor as $31,446,555. Projections of growth in the assessed value of the real property within the District are set forth in the Feasibility Study of the Highway 71 East Square Redevelopment District No. I (the "Feasibility Study") prepared by the Center for Business and Economic Research of the Sam Walton College of Business at the University of Arkansas and attached hereto as Appendix C and under the caption "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. SUCH PROJECTIONS ARE BASED ON NUMEROUS FACTORS, SOME OF WHICH ARE DESCRIBED IN THE FEASIBILITY STUDY. THERE CAN BE NO ASSURANCE THAT ACTUAL GROWTH IN ASSESSED VALUE OF THE REAL PROPERTY WITHIN THE DISTRICT WILL APPROXIMATE SUCH PROJECTIONS. See the caption "RISK FACTORS" herein. A project plan (the "Project Plan") for the District was adopted by the City pursuant to Ordinance No. 4646 adopted on December 7, 2004. The Project Plan was subsequently amended pursuant to Ordinance No. 4663 adopted on December 28, 2004. The Project Plan is designed to assist the City in the removal of designated blight within the District and to encourage the commercial and residential redevelopment of real property within the District, thereby preventing the spread of blighted, deteriorated and deteriorating areas and discouraging the loss of commerce, industry and employment. The "catalyst" development in the District to be assisted by the completion of the Project is the redevelopment of certain blighted property on the eastern side of the City's historic downtown. The primary portion of this property is the structure previously operated as the Mountain Inn. East Square Development, LLC (the "Developer") has announced its intentions to construct a $19 million hotel/meeting place/condominium/parking deck development on the site to be acquired with proceeds of the Series 2005 Bonds. Following completion of the demolition of the existing structures on the Project site, the Developer intends to purchase the site from the City for the price of $300,000. The purchase price has been determined based on appraisals obtained by the City. Certain conditions for the transfer of the Project site are set forth in the Redevelopment Agreement. See the caption "THE PROJECT" herein. 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. "Accountant" means an independent certified public accountant or a firm of independent certified public accountants. "Accreted Value" means, with respect to each Series 2005 Bond: (a) for any $5,000 minimum authorized denomination of a Series 2005 Bond, as of any Accretion Date, the amount set forth in Exhibit C to the Indenture as the Accreted Value of a Series 2005 Bond as of such Accretion Date; (b) as of any date (for purposes of this paragraph (b), a "Calculation Date") that is not an Accretion Date, the sum of (i) the Accreted Value determined under paragraph (a) above, as appropriate, as of the most recent Accretion Date plus (ii) the amount determined pursuant to the following formula: (A-B)(X/180), where "A" is the Accreted Value determined under paragraph (a) above as of the Accretion Date immediately following such Calculation Date; "B" is the Accreted Value determined under paragraph (a) above as of the most recent Accretion Date; and "X" is the number of days such Calculation Date follows the most recent Accretion Date, determined assuming that each month in such period contains 30 days. "Accretion Date" means, with respect to the Series 2005 Bonds, (i) the date on which the Series 2005 Bonds are first issued by the City and February I and August 1 of each year, commencing August 1, 2005. "Act" means the enabling legislation for Amendment 78, codified as Arkansas Code Annotated (2003 Supp.) Sections 14-168-30I et seq., as from time to time amended. 0 • "Additional Bonds" means Bonds in addition to the Series 2005 Bonds which are issued under the provisions of Section 212 of the Indenture. "Amendment 78" means Amendment No. 78 to the Constitution of Arkansas, approved by the voters of the State on November 7, 2000. "Annual Debt Service" means, with respect to all or any particular amount of Bonds, as the case may be, 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 Increment receipts. With respect to the Series 2005 Bonds, "Annual Debt Service" means the Debt Service for any particular year which is deemed to accrete or mature as described under the definition of Debt Service set forth below. "Authorized Representative" means either the Mayor of the City and such additional person or 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 , 2005, which authorized the issuance of the Series 2005 Bonds pursuant to the Indenture. "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 2005 Bonds and all Additional Bonds 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. "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. "Completion Date" means the date upon which a particular Project is completed, as certified by a Qualified Engineer in accordance with the Indenture. "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. "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, placement agent fees and 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. "Costs of Issuance Fund" means the fund by that name created and established in the Indenture. "Debt Service" means, with respect to all or any particular amount of Bonds, the total as of any particular date of computation and for any particular period of the scheduled amount of interest and amortization of principal payable on such Bonds, excluding amounts scheduled during such period which relate to principal which has been retired before the beginning of such period. With respect to the Series 2005 Bonds, "Debt Service" shall include the increase in Accreted Value during such period of computation and the pro rata portion of principal allocable to such 19 0 period of computation, assuming that the principal of the Series 2005 Bonds matures on a level basis over the life of the Series 2005 Bonds, but excluding amounts which relate to Series 2005 Bonds which have been retired before the beginning of such period. "Developer" means East Square Development, LLC, an Arkansas limited liability company. "District" means the Highway 71 East Square Redevelopment District No. I created by the City under the authority of Amendment 78 and the Act pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No.4662 adopted on December 28, 2004. A map of the District is attached hereto as Exhibit D. "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 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 April 15, 2005, between the City and the Trustee, pursuant to which the Bonds are issued, and any further amendments and supplements thereto. "Investment Securities" 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; (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; and (e) money market mutual funds (t) 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. "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. 20 "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 which 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. "Paying Agent" means any bank or trust company named by the City as the place at which the principal of and premium, if any, and interest on the Bonds are payable. "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. "Project" means the acquisition of certain real property, which property is located within the District and consists primarily of the former Mountain Inn property and surrounding parcels, the demolition of the majority of the existing structures thereon, site preparation in connection therewith, and the completion of certain sidewalk and crosswalk improvements. "Project Costs" shall have the meaning set forth in the Act, and shall include all costs of planning, designing, purchasing, acquiring, constructing, reconstructing, improving, enlarging, extending, repairing, financing and placing in a Project in operation, including the demolition of existing structures, and the costs of 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) 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, reconstruction, improving, extending and equipping of the Project and placing the same in operation; (b) all costs relating to injury and damage claims arising out of the acquisition, construction or equipping of the Project; (c) all other costs incurred in connection with, and properly allocable to, the acquisition, construction, reconstruction, improving, extending and equipping of the Project; and (d) 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, constructing, reconstructing, improving, enlarging, extending, repairing, financing and placing in operation of the Project. "Project Fund" means the fund by that name created and established in the Indenture. "Qualified Engineer" means either (i) the City's Building Services Director and Project Manager or (ii) 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, 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 the Indenture. "Redemption Date" means the fund by that name established in the Indenture. "Redevelopment Agreement" means that certain agreement dated as of March 15, 2005, between the City and the principals of the Developer, in connection with the Project. "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: 21 0 (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. "Revenue Fund" means the fund by that name created and established in the Indenture. "Securities Depository" means The Depository Trust Company, New York, New York, or its nominee, and its successors and assigns. "Series 2005 Bonds" means the City's Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1), Series 2005, issued under and secured by the Indenture in the aggregate principal amount of $3,735,000*. "State" means the State of Arkansas. "Supplemental Indenture" means any indenture supplemental to or amendatory of the Indenture. "Tax Increment" shall have the meaning set forth in the Act, as determined by multiplying the incremental value of the real property within the District by the maximum applicable ad valorem rate permitted pursuant to the Act. "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" means the banking corporation or association designated as Trustee in the Indenture, and its successor or successors as such Trustee. The original Trustee is "Trust Estate" means the property described in the granting clauses of the Indenture. Preliminary; subject to change. 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 Finance and Internal Services Director of the City, for a full statement thereof. Funds and Accounts. Tax Increment receipts are pledged by the Indenture to the payment of the principal of, premium, if any, and interest on the Bonds. The following Funds and Accounts have been established with the Trustee in connection with the Bonds: Funds and Accounts Revenue Fund Bond Fund Redemption Fund Project Fund Cost of Issuance Fund Rebate Fund Application of Tax Increment Receipts. The application of Tax Increment receipts is as follows: (a) Revenue Fund. All Tax Increment receipts shall, as and when received, be deposited into the Revenue Fund. All moneys at any time in the Revenue Fund shall be applied on a monthly basis to the payment of any arbitrage rebate due under Section 148(1) of the Code, to the payment of fees and expenses of the Trustee and 22 any Paying Agent, and to the early redemption of the Series 2005 Bonds, at the times and in the amounts set forth as follows: (b) Redemption Fund. After making any required deposits into the Rebate Fund and after paying the fees and expenses of the Trustee and any Paying Agent, there shall be paid from the Revenue Fund into the Redemption Fund all remaining moneys in the Revenue Fund. Moneys in the Redemption Fund shall be transferred to the Bond Fund at such times as may be necessary to effectuate redemptions of the Series 2005 Bonds on the first available redemption date. There shall also be transferred to the credit of the Redemption Fund moneys in the Project Fund not needed to complete the Project and the first $120,000 of any proceeds realized by the City upon the sale of any of the real property originally acquired with the proceeds of the Series 2005 Bonds. See the captions "THE SERIES 2005 Bonds — Redemption" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. (c) Bond Fund. On any redemption date for the Series 2005 Bonds, the Trustee shall transfer to the Bond Fund from the Redemption Fund an amount equal to the Accreted Amount of each Series 2005 Bond being redeemed on such date unless payment of such amount shall be otherwise provided for. Moneys in the Bond Fund shall be used solely for the purpose of paying Annual Debt Service on the Bonds upon redemption or final maturity. The Trustee shall withdraw from the Bond Fund, on the date of maturity or final redemption, an amount equal to the Accreted Value of the Series 2005 Bonds maturing or being called for redemption for the sole purpose of paying the same. (d) Project Fund. A portion of the proceeds of the Series 2005 Bonds shall be deposited in the Project Fund. See the caption "ESTIMATED SOURCES AND USES OF FUNDS" herein. In addition, upon the sale by the City of any portion of the real property originally acquired with the proceeds of the Series 2005 Bonds, sale proceeds in excess of $120,000 shall be deposited in the Project Fund. Amounts in the Project Fund shall be expended only for the payment or reimbursement of Project Costs upon the submission of Requisitions by the City to the Trustee; provided, however, expenditures related to the sidewalk and crosswalk construction components of the Project shall be made only from the property sale proceeds described in the preceding sentence. The Trustee shall only make payments from the Project Fund pursuant to and in accordance with Requisitions. Within ninety (90) days following completion of the Project (not including the sidewalk and crosswalk improvements), the City shall deliver to the Trustee its Certificate stating that the Project is complete and the Trustee shall transfer the remaining moneys in the Project Fund (save and except moneys needed to satisfy unpaid Project Costs) to the Redemption Fund for application to the retirement of the Series 2005 Bonds. See the caption "THE SERIES 2005 Bonds — Redemption" herein. (e) Cost of Issuance Fund. A portion of the proceeds of the Series 2005 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 the Series 2005 Bonds, any remaining moneys in the. Cost of Issuance Fund shall be transferred to 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 payment of the Bonds. Subject to transfer to the United States in payment of any arbitrage rebate due under Section 148(1) 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. 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 Securities with maturity or redemption dates consistent with the times at which said moneys will be required for the purposes provided in the Indenture. 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. Investments in any Fund or Account shall be evaluated at least annually by the Trustee. For the purpose of determining the amount in any Fund or Account, the City and the Trustee shall value all Investment Securities credited to such Fund or Account at the price at which such Investment Securities 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 23 Investment Securities minus the amortization of any premium or plus the amortization of any discount thereon and (ii) the market value of such Investment Securities. The Trustee shall sell or present for redemption any Investment Securities 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 any and all times 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 receipts from the Tax Increment 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, (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 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 24 (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 accreted 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. 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: 25 (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; (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 (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, 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 2005 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 Rule 15c2-12 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. 26 The Continuing Disclosure Agreement contains the following covenants and provisions: (a) The City shall, not later than August l of each year, commencing August 1, 2005, 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 Increment receipts during the latest Fiscal Year and for all previous Fiscal Years; (ii) The most recent determination of the "incremental value" (as defined in the Act) of real property within the District and all such previous determinations; (iii) The total principal amount and Accreted Value of all Series 2005 Bonds Outstanding as of the end of the latest Fiscal Year and as of the end of each previous Fiscal Year; and (iv) The principal amount and Accreted Value of all Series 2005 Bonds redeemed during the latest Fiscal Year and such amounts as were redeemed in previous Fiscal Years. (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; (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 2005 Bonds; (vii) Modifications to rights of Bondowners; (viii) Bond calls; (ix) Defeasances; (x) Release, substitution or sale of property securing payment of the Series 2005 Bonds; or (xi) Rating changes. (I) The City has agreed that the foregoing undertakings shall be for the benefit of the Beneficial Owners of the Series 2005 Bonds, and shall be enforceable by any Beneficial Owner of the Series 2005 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 2005 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. 27 (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 2005 Bonds, including Persons holding Series 2005 Bonds through nominees or depositories. "Disclosure Representative" means the City's Finance and 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 Crews & Associates, Inc. "Repository" means each National Repository and the Arkansas State Repository. "Specified Events" means each of the events with respect to the Series 2005 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 2005 Bonds in the secondary market. Consequently, such a failure may adversely affect the transferability and liquidity of the Series 2005 Bonds. UNDERWRITING Under a bond purchase agreement entered into by and among the City and Crews & Associates, Inc. (the "Underwriter"), the Series 2005 Bonds are being purchased at a purchase price of $ (representing the stated principal amount of the Series 2005 Bonds less an underwriting discount of $ ). The bond purchase agreement provides that the Underwriter will purchase all of the Series 2005 Bonds if any are purchased. The obligation of the Underwriter to accept delivery of the Series 2005 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 District or the Series 2005 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 2005 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 2005 Bonds to the public, and may offer the Series 2005 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 2005 Bonds, including certain liabilities under federal securities laws. TAX MATTERS Federal Income Taxes. In the opinion of Kutak Rock LLP, Bond Counsel, under existing laws, regulations, rulings and judicial decisions, interest on the Series 2005 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. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Code that must be satisfied subsequent to the issuance of the Series 2005 Bonds. Failure to comply with certain of such requirements may cause interest on the Series 2005 Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Series 2005 Bonds. The City has covenanted to comply with such requirements. Notwithstanding Bond Counsel's opinion that interest on the Series 2005 Bonds is not a specific preference item for purposes of the federal alternative minimum tax, such interest will be included in adjusted current earnings of certain corporations, and such corporations are required to include in the calculation of alternative minimum taxable income 75% of the excess of such corporation's adjusted current earnings over its alternative minimum taxable income (determined without regard to such adjustment and prior to reduction for certain net operating losses). Bond Counsel has expressed no opinion regarding other federal tax consequences arising with respect to the Series 2005 Bonds. The accrual or receipt of interest on the Series 2005 Bonds may otherwise affect the federal income tax liability of the owners of the Series 2005 Bonds. The extent of these other tax consequences will depend upon such owner's particular tax status and other items of income or deduction. Bond Counsel has expressed no opinion regarding any such consequences. Purchasers of the Series 2005 Bonds, particularly purchasers that are corporations (including S corporations and foreign corporations operating branches in the United States), property or casualty insurance companies, banks, thrifts or other financial institutions, certain recipients of Social Security or Railroad Retirement benefits, taxpayers otherwise entitled to claim the earned income credit, or taxpayers who may be deemed to have incurred or continued indebtedness to purchase or carry tax-exempt obligations, should consult their tax advisors as to the tax consequences of purchasing or owning the Series 2005 Bonds. Changes in Federal Tax Law. From time to time, there are legislative proposals in the Congress that, if enacted, could alter or amend the federal tax matters referred to above or adversely affect the market value of the Series 2005 Bonds. It cannot be predicted whether or in what form any such proposal might be enacted or whether if enacted it would apply to bonds issued prior to enactment. Purchasers of the Series 2005 Bonds should consult their tax advisors regarding any pending or proposed tax legislation. The opinions expressed by Bond Counsel are based upon existing legislation as of the date of issuance and delivery of the Series 2005 Bonds, and Bond Counsel has expressed no opinion as of any date subsequent thereto or with respect to any pending legislation. State Taxes. Bond Counsel is of the opinion that, under existing law, the interest on the Series 2005 Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. LEGAL MATTERS Legal Opinions. Legal matters incident to the authorization and issuance of the Series 2005 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 2005 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 2005 Bonds or questioning or affecting the legality of District or of the Series 2005 Bonds or the proceedings and authority under which the Series 2005 Bonds are to be issued, or questioning the right of the City to issue the Series 2005 Bonds. There is no action, suit or proceeding known to be pending or threatened, restraining or enjoining the City in any way which could have a material adverse effect on the City or its financial affairs. 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 2005 Bonds. al 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 30 APPENDIX A PROPOSED FORM OF BOND COUNSEL OPINION Kutak Rock LLP, Bond Counsel, will render an opinion with respect to the Series 2005 Bonds, dated the date of issuance and delivery thereof, in substantially the following form: April __, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas , as Trustee Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,735,000* City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project) Series 2005 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 $3,735,000• Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project), Series 2005 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 and Arkansas Code Annotated (Supp. 2003) §§14-168-301 et seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. _ of the City, duly adopted and approved on 2005 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and , 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. 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. A-1 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, Amendment 78 and 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 receipts of the Tax Increment (as defined in the Indenture), subject to a parity pledge of such receipts securing any Additional Bonds (as such term is defined in the Indenture) issued hereafter. 5. The Tax Increment receipts have been duly and validly assigned and pledged to the Trustee under the Indenture. 6. Interest on the Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Internal Revenue Code of 1986, as amended, that must be met subsequent to the issuance of the Bonds. Failure to comply with such requirements could cause interest on the Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Bonds. The City has covenanted to comply with such requirements. 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, A-2 APPENDIX B SERIES 2005 ACCRETION SCHEDULE Date Accreted Value of a $5,000 Bond 4-19-05 $ 5,000.00 8-1-05 5,092.08 2-1-06 5,257.58 8-1-06 5,428.45 2-1-07 5,604.87 8-1-07 5,787.03 2-1-08 5,975.11 8-1-08 6,169.30 2-1-09 6,369.80 8-1-09 6,576.82 2-1-10 6,790.57 8-1-10 7,011.26 2-1-11 7,239.13 8-1-11 7,474.40 2-1-12 7,717.32 8-1-12 7,968.13 2-1-13 8,227.09 8-1-13 8,494.47 2-1-14 8,770.54 8-1-14 9,055.59 2-1-15 9,349.89 8-1-15 9,653.76 2-1-16 9,967.51 8-1-16 10,291.46 2-1-17 10,625.93 8-1-17 10,971.27 2-1-18 11,327.84 8-1-18 11,695.99 2-1-19 12,076.11 8-1-19 12,468.59 2-1-20 12,873.81 8-1-20 13,292.21 2-1-21 13,724.21 8-1-21 14,170.25 2-1-22 14,630.78 8-1-22 15,106.28 2-1-23 15,597.23 8-1-23 16,104.15 2-1-24 16,627.33 B-1 Date Accreted Value of a $5.000 Bond 8-1-24 17,167.92 2-1-25 17,725.88 8-1-25 18,301.97 2-1-26 18,896.79 8-1-26 19,510.93 2-1-27 20,145.04 8-1-27 20,799.75 2-1-28 21,475.74 8-1-28 22,173.71 2-1-29 22,894.35 8-1-29 23,638.42 B-2 Amended — s Highway 71 East Square Redevelopment District No. I . a.• i • i '1 S,IAp1^ i W'ash:r.gta^ Elementary 4 a + Dickson Sine: Er.+:erasnrc_-t astr att :alto Arts Crier p- •I ( IC w � f n ry { u1 «,' *rS I _-1 Ciy Ha ew Cnrvt^:ion Ce^:er "?J. • -/ Federal Courthouse • l fJP• g m �. v , levelopment Y - flint tcgors A. 5 ryasyn •.•u� D-2 • • KUTAK ROCK LLP DRAFT 03/15/05 CONTINUING DISCLOSURE AGREEMENT This Continuing Disclosure Agreement dated as of April _, 2005 (this "Agreement"), is executed and delivered by the City of Fayetteville, Arkansas (the "City") and , as trustee (the "Trustee"), in connection with the issuance of the City's $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (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 March _, 2005 (the "Authorizing Ordinance"), and a Trust Indenture dated as of April 15, 2005 (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 and 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. 10-106557.1 0 "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 Crews & Associates, Inc. "Repository" shall mean each National Repository and the Arkansas State Repository, if any. "Rule" 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"). "Tax Increment" shall have the meaning given such term in the Act, as determined by multiplying the incremental value of the real property within the District by the maximum applicable ad valorem rate permitted pursuant to the Act. "Specified Events" shall mean any of the events with respect to the Bonds listed in Section 5(a) of this Agreement. Section 3. Provision of Annual Financial Information. (a) The City shall, not later than August 1 of each year, commencing August 1, 2005, 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. 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 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 10-106557.1 2 0 (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 Increment receipts during the latest Fiscal Year and for all previous Fiscal Years; (ii) The most recent determination of "incremental vale" (as defined in the Act) of real property within the District and all such previous determinations; (iii) The total principal amount and Accreted Value of all Bonds Outstanding as of the end of the latest Fiscal Year and as of the end of each previous Fiscal Year; and (iv) The principal amount and Accreted Value of all Bonds redeemed during the latest Fiscal Year and such amounts as were redeemed in previous Fiscal Years; (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; (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; 10-106557.1 3 a • (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 (ii) notice of the Specified Events described in subsections (a)(8) 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 10-106557.1 S 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. (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 IX of the Indenture is hereby made applicable to this Agreement as if this Agreement were (solely for this purpose) contained in the Indenture. The Trustee shall have only such duties as are specifically set forth 10-106557.1 5 S 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 as Trustee By: Title: 10-106567.1 6 EXHIBIT A NOTICE TO REPOSITORIES REGARDING FINANCIAL INFORMATION NAME OF ISSUER: City of Fayetteville, Arkansas NAME OF BOND ISSUE: $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 DATE OF ISSUANCE: April _, 2005 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 April _, 2005, between the City and , as trustee. [The City anticipates that the Annual Financial Information will be filed by .] Dated: as Trustee cc: City of Fayetteville Crews & Associates, Inc. A-1 10-106557.1 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.gov/info/municipal/nrmsir.htm. Bloomberg Municipal Repository 100 Business Park Drive Skillman, New Jersey 08558 Phone: (609) 279-3225 Fax: (609) 279-5962 http://www.bloomberg.com/markets/rates/municontacts.html E-mail: Munis@Bloomberg.com DPC Data Inc. One Executive Drive Fort Lee, New Jersey 07024 Phone: (201) 346-0701 Fax: (201) 947-0107 http://www.dpcdata.com E-mail: nrmsir@dpcdata.com FT Interactive Data Attn: NRMSIR 100 Williams Street, 15th Floor New York, New York 10038 Phone: (212) 771-6999; (800) 689-8466 Fax: (212) 771-7390 http://www.ftid.com Email: NRMSIR@interactivedata.com Standard & Poor's Securities Evaluations, Inc. 55 Water Street 45th Floor New York, New York 10041 Phone: (212) 438-4595 Fax: (212) 438-3975 www.jjkenny/jjkenny/pser descrip data rep.html Email: nrmsirrepository@sandp.com B-1 10.106557.1 Pb .III AFFIDAVIT OF PUBLICATION I, & , do solemnly swear that I am the Legal Clerk of the Arkansas Democrat-Gazette/Northwest Arkansas Times newspaper, printed and published in Lowell, Arkansas, and that from my own personal knowledge and reference to the files of said publication, that advertisement of: was inserted in the regular editions on PO# ** Publication Charge: $ S/4' 's'. 7 a Subscribed and sworn to before me this day of j2f ' _, 2005. Notary. Public Sharlene D. Williams Notary Public My Commission Expires: State of Arkansas My Commission Expires October 18, 2014 ** Please do not pay from Affidavit. An invoice will be sent. RECEIVED APR 0 4 2UB 'I'TV OF FAYt I1EVILLE ^'1 CLERK'S FFICE P.O. BOX 1607 • 212 N. EAST AVENUE • FAYETTEVILLE, ARKANSAS 72701 • 479-442-1700 • 479-442-5477 (FAX) 1] ORIXNANCS NO. 0084 ICDORDINANCE L13 OF THIS THU B.00 AND ONC OP THE] INTECITY'REST 5,000 TAX S (HIGH NT R t EAST J{y STION BONDS QIIONWAT 71 OAST W REDBVBLOPMBM DISTRICT NO. I ARKANSAS NCT), SERIES 2008, FOR THE PURPOSE NANCINO CURTAIN IMPROVEMENTS N THE DISTRICTt AUTHORIZING THE SXUCU TION AND DELIVERY OP A TRUST RURB PURSUANT TO WHICH THU BONDS WILL SE ISSUED AND SBCURUDI )RQMO THU WESCUTION AND DELIVERY OP AN OFFICIAL STATEMENT FUR - TO WHICH THE] BONDS WILL BO OFFURBDI AUTHORIZING THU EXECUTION IBLIVURY OP A BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF 'AND$ AUTHORING THIS [EXECUTION AND DELIVERY OF A CONTINUING 018 - Inn AGRBUMUUb PRESCRIBING OTHER MATTERS RELATING THBRBTOI AND RUNG AN UMBROBNCY WHEREAS. the City Council of the City of Fayetteville, Arkansas (the 'City') has previauy stated its determination N Resolution No. 19-05 adopted February 1, 2005, that there Is a great need fa a source of revenue to finance the costs of alleviating blight and encouraging development and redevelopment within the City and in oMerance of such purposes has created Me Highway 71 East Square Redevabprnent District No. 1 (the'Dlstrictl pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004, and by Ordinance No. 4673 adopted on January 25, 2005: and CR S ISAS. It has been determined that the specific c actions needed to alleviate such blight and encour- age such development and redevelopment consist at () the acquisition of certain real property, the dem- oltdn of strafing structures thereon and site preparation In connection therewith, whidh property is dcet- ed within the strot and corssts of the former Mountain Inn property, the tourer Nibock Law Offices, the fanner Red Bird Restaurant and Me former Washington County Courts Building. and OD Me con- struction of certain sidewalk and crosswalk improvements within the District (cotlec2Ney, the Project); and WHEREAS, upon completion of the Project and upon satisfaction of certain conditions, the City intends to sell the dewed property to a Private developer for Me purpose of constructing a hotel, meetrg place, condominlum and pe dng deck development thereon; and WHURSAB. the City is authorized and empowered under the provisions of the Constitution and awe of the State of Arkansas. including particularly Amendment 78 to Me Constitution of the State of Arkansas ('Amendment 781 and Arkansas Code Annotated (2003 Supp.) Sections 14-168-301 at see. (as from tyre to time amended, th0'Ad), to issue and sell Its bonds to finance the costs of various capital limprovernente within the District such as those comprising the Project, which bonds are to be secured by end payable from the ad valorem tax Increment described In and autrorized by the Act; and — WHEREAS, as authorized under the provisions of Amendment 78 and the Act, the City has now deter- iNned to issue and sell its Tax Increment Interest Accretion Bonds (Highway 71 East Square Aedevelopment District No. 1 Project), Series 2005, in Me principal amount of $3,725,000 (the 'Bonds ), In order to provide financing for the costs of Me Project and to pay related costs of issuance; and WHEREAS, the City has made arrangements for Me sae of the Bonds to Crews & Associates, Inc., Utte Rode, Arkansas (the Undorwriter1, such sale to be made pursuant to the terms of a Bond Purchase Agreement between the City and the Underwriter (the 'Bond Purchase Agreement) in sub- santialy the form presented to and before this meeting; and WHBRSAS, the tams of Me Bonds are consistent with the floating terra described in the DSMds project plan originally adopted on December 7, 2004. pursuant to Ordinance No. 4646, and amended on December 28, 2004 and March 15.2005, pursuant to Ordinance No. 4693 and Ordinance No, 4683, THEREFORE, BET ORDAINED BY THU CITY COUNCIL OF THE CITY OF FAYUT- TBVILLS, ARKANSAS THAT. Section 1: Under the authority of the Constitution and laws of the State of Arkansas. including particu- sity Amendment 78 and the Act, there Is hereby authorized the issuance of bonds of the City to be des- Jgnated as 'Gry of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005." The Bonds shall be issued at one time or 'from time to time In the original aggregate principal amount of Three Million Seven Hundred Twenty -Five 'Thousand Dollars ($3,725,000). The Bonds shaft mature on August 1, 2029 and shall bear Interest at the rain of 850% oar annum. as specified in the Bond Purchase Agreement presented to this meeting. The proceeds of the Bonds will be utilized to finance the costs of acqustion, demolition, and site prepa- ration relating to Project and to pay publication, legal, underwriting and other expenses Incidental to the issuance of the Bonds. The City Council hereby finds that the real property within the District will be ben- efited upon completion of the Project. The Bonds shall be issued in minimum donominatlas of $5,000 and in increments of $5,000 in excess thereof. The Bonds shall be dated. shall be in the form shall be numbered, shall be subject to redemp- tion prior to maturity, and shall contain such other temps, covenants and conditions, all as set forth in that certain Trust Indenture to be dated as of Apr N 15, 2005 (the 'Indenturel, by and between the City and The Bank of Fayettedpe, as trustee (the 'Trustee), to be entered into by the City and the Trustee in sub- stantleuy the farm submitted to this meeting. The Mayor is hereby authorized and directed to execute and deliver the Bonds in subsantiay the form thereof contained in Me Indenture submitted to this meeting, and Me City Clark is hereby authorized and directed to execute and deliver the Bonds and to affix Me seal of the City thereto, end the Mayor and City aerk are hereby autloriied and directed to cause the Bonds to be accepted and authenticated by Me Trustee. The Mayor is hereby authorized to confer with the Trustee, the Underwriter and Kutak Rock U.P. Utte Rock, Alkanses ('Bond Coin&"), in order to complete the Bonds in substantially me form contalred in Me Indenture submitted to this meeting, with such changes as shall be approved by such persons executing the Bonds, their execution to constitute cgrcusive evidence of such approval. Section 2: In order to pay the principal of and interest on the Bonds as they mature or are called for redemption prior to maturity, the Act provides that the Districts tax Increment, as defined in the Act (the 'Tax Inaementl, shall be calculated annually and any positive amount distributed to the City for deposit Into the Highway 71 East Square Redevelopment District No. 1 Tax Increment Fad created in Ordinance No. 4608. Pursuant to the IrdeMure, suds find will be assigned to and held by the Trustee for the ben- efit of the holders of the Bonds. The City covenants nants and agrees that all receipts relating to the Tax Increment will be accounted for separately as special funds on the books of Me City, and receipts of said Tax Increment will be deposited and will be used solely as provided In Me Indenture. Section 3: To prescribe the terms and conditions upon which the Bonds are to be executed authenti- cated. Issued, accepted, held and secured, Me Mayor is hereby authorized and directed to execute and acknowledge the Indenture, end the Clerk Is hereby authocized and directed to execute and ackrovA- edge Me Indenture and to affix the seal of the City thereto, and the Maya and the City Clerk are hereby authorized and directed to cause the Indenture to be accepted, executed and acknowledged by the Trustee. The Indenture is hereby approved in substantially the form submitted to this meeting, trcuding, without limitation, the provisions thereof pertaining to the Tax Increment and the arms of the Bonds. The Mayor Is hereby authorized to confer with the Trustee, the Underwriter and Bad Counsel in order to complete the Indenture In suastantla y the form suAmitted to this meeting, with such changes as shall be approved by such persons executing the Indenture. their execution to constitute cacuwe evidence c such approval. kAcMce is given Met a copy of the Indenture in 9hbstaltaly the form authorized to be executed is /In file fwlth Me City Clerk and Is available for Inspection by any interested person.) Section 4: Them is hereby authorized and approved a Preliminary Official Statement of the City, includ- ing the cover page and appendices attached thereto, relating to the Balls. The Preliminary Official Statement a hereby "deemed final" within the meaning of U.S. Securities and Exchange Commission Rule 15c2-12. The prior distribution of the Preliminary ONcal Statement is hereby ratified and approved. The Preliminary Official Statement, as amended to conform to the terns of the Bond Purchase Agreement, Incuding Exhibit A thereto, and with such other changes and amendments as are mutually agreed to by the Gry, the Underwriter and Bond Counsel, is herein referred to as the 'Official Statement', end the Mayor is hereby authorized to execute the Official Statement for and on behalf of the Ciry. The Official Statement Is hereby approved in substantially the form of the Preliminary Ofida Statement sub- mitted to this meeting, and the Mayor is hereby authorized to confer with the Underwriter and Bond Counsel in order to complete Me Of Statement in substantaly the form of the Preliminary Official Statement submitted to this meeting wM such changes as shall be approved by such persons, the Mayor le execution to constitute condi ve evidence of such approval. (Advice is given that a copy of the Prelimhary Official Statement is on Ne with the City Clark and is avail- able for Inspection by any Interested person.) Section 5: In order to prescribe Me terms and wnditiaw upon which the Bonds are to be sod to Me Underwriter, the Mayor Is hereby authorized and directed to execute the Bad 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 Me Undenwme, and said Bond Purchase Agreement is hereby approved in sub- staitialy the form submitted to this meeting, and the Mayor is hereby autorized to confer with the Underwriter and Bond Counsel in order to complete Me Bond Purchase Agreement h substantially the form submitted to this meeting, with such changes as shall be appmved by such persons executing the Bond Purchase Agreement. that execution to constitute condusFve evidence of such approval. (Advice is given that a copy of the Bad 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 continuing disclosure of certain financial and operating information with respect to the City, Me District and the Tax Increment in compliance with Me provisions of Rule 15c2-12 cute a Continuing Disclosure Agreement (the 'Continuing Disclosure Agreement"), by and between the City and Me Trustee, and Me Mayor is hereby authorized and directed to cause the Continuing osdosae Agreement to be executed by the Trustee. The Continuing Disclosva Agreement is hereby approved in substantially the form submitted to this meeting, and the Mayor is hereby authorized to can - fa with Me Trustee, the Underwriter and Bad Counsel In order to complete the Continuing Disdosure Agreement in substantially the form submitted to this meeting with such changes as shall be approved by such persons executing Me Continuing Disclosure Agreement, their execution to constitute condu- shre evdence of such approval. (Advice is given that a copy of the Continuing Disclosure Agreement in substantially Me form authorized to be executed is on file with the City Clerk and Is available for Inspection by any interested person.) Section 7: 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 Me Issuance, sale, execution and delivery of the Bonds and to effect the execution and delivery of the Indenture, the Bond Purchase Agreement, Me Continuing Disclosure Agreement and a Tax Regulatory Agreement relating to the tax exemption of interest on the Bonds, and to perform all of Me obligations of the City under and pursuant thereto. The Mayor and the City Clerk are fuller authorized and directed, for and on behalf of the City, to execute all papers, docu- ments, certificates and other Instruments Net may be required for Me carrying out of such authority or to evidence the exercise thereof. Section 8: The proisicns of this Ordinance are hereby declared to be severable, and If any section, phrase a provision shall for any reason be declared to be illegal or Invalid, such declaration shall not affect the validity of the remainder of Me sections, phrases or provisions of this Ordinance. Section 9: All ordinances, resolutions and parts thereof In conflict herewith are hereby repealed to the extent of such conflict, Section 10: There is hereby found and declared to be an Immediate need for certain infrastructure improvements within the District, which Improvements will benefit the public health, safety end welfare of Me City and its irtabftana, and the Issuance and sale of Me Bads approved hereby for the purpose of financing Me Project and the taking of the other actions authorized herein are immediately necessary In connection with such improvements. It is. therefore, declared that an emergency exists and this Ordinance being necessary for the Immediate preservation of Me public health, safety and welfare shall'! be in force and take effect Immedlatey upon and afar Its passage. PASSED mid APPROVED this 15th day of March, 2005. APPROVED: By: �— DAN COODY, Mayor \ I 1li1- .• r..�� .jy. "Northwest Arkazas'Most Wide(. Read Newspaper" AFFIDAVIT OF PUBLICATION I, I , do solemnly swear that I am the Legal Clerk of the Arkansas Democrat-Gazette/Northwest Arkansas Times newspaper, printed and published in Lowell, Arkansas, and that from my own personal knowledge and reference to the files of said publication, that advertisement of: e99 was inserted in the regular editions on r? PO# / ** Publication Charge: $ 4t f. r%4 Subscrib d and sworn to before me this day of , 2005. Notary. Public My Commission Expires: Sharlene D. Williams Notary Public " Please do not pay from Affidavit. State of Arkansas An invoice will be sent. MY Commission Expires October 18, 2014 P.O. BOX 1607 • 212 N. EAST AVENUE • FAYETTEVILLE. ARKANSAS 72701 • 479-442-1700 • 479-442-5477 (FAX) D ORDINANCE NO. 4884 ORDINANCE RAND %ROFTNAUTHORIZING THErye evl le NC! BALK OF TNN CITY'S 6.000 TAX INCREMENT INTEREST ITION BONDS (HIGHWAY 71 EAST UI REDMLOPMENT DISTRICT NO. I ARKANSAS ICT, SERIES 2005. FOR THE PURPOSE WITHIN THE PURSUANT UTHORIZING TNN EXECUTION AND DELIVERY OP A TRUST OIN NTURI TO WHICH THE BONDS WILL SE ISSUED AND SECURE AUTHORIZING THE EXECUTION AND DELIVERY OF AN OPP1CW, STATEMENT PUR- SUANT TO WHICH THE BONDS WILL BE EBMDI AUTHORIZING THE EXECUTION AND DEUVERY OF A BOND PURCHASE AGREEMENT PROVIDING FOR THE SALE OF THE BONDS AUTHORIZING THE EXECUTION AND DELIVERY OF A CONTINUING 016 - CLOSURE AGREEMENT, PRESCRIBING OTHER MATTERS RELATING THERETO; AND DECLARING AN EMERGENCY WHEREAS, the City Council of the City of Fayetteville, Arkansas (the'Gly) has previously stated its detemtlnation In Resolution No. 19-05 adopted February 1, 2005, Met there is a great need fora source of revenue to finance the costs of elle+iating blight and encouraging development and redevelopment within the City and in furtherance of such purposes has created the Highway 71 East Square Redevelopment District No. 1 The 'Olstrlct") pursuant to Ordinance No. 4606 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004, and by Ordinance No. 4673 adopted on January 25, 2005: and WHEREAS, it has been dotermbao that the specific actions needed to alleviate such blight and encour- age such development and redevelopment consist of 0) the acqui ittlon of carton real property the dem- olltbn of eating structures thereon and see preparation in connection therewith, which property is locat- ed within the District and coralats of the former Mowta, inn property, the former Niblock Law Offices, the former Red Bird Restaurant and the former Washington County Courts Building, and QI) to con- Moton of certain sidewalk and crosswalk Improvements within Me District (c t vet the "Projects; and WN[R[AS, upon c rnpleton of Me Project and upon satisfaction of certain conditions, Me City intends to sell the cleared o property to a private developer for the purpose of constructing a hotel, meeting place, condominium and perking clock development thereon; and WHEREAS, the City is authorized and empowered under the provision of the Constitution and laws of the State of Arka sa s, including particularly Amendment 78 to Me Constitution of the State of Arkansas ('Amendment 781 and Arkansas Code Annotated (2003 Supps) Sections 14-168-301 et seq. (as from time to time emended, the -Acts, to issue and sail its bonds to finance Me costs of various capital improvements within the Disrct such as ihcea comprising the Project, which bonds are to be secured by and payade from the ad valorem law increment described in and authorized by the Act: and as authorized under the provsnns of Amendment 78 and Me Act, the City has now deter- rrmJrued ned to is Issue and sell its Tee Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project), Series 2005. in t to pal amount of $3,725,000 (the "Bonds"). In order to provide financing for the costs of the Project and to tpay related costs of issuance; and WHEREAS, the City has made arrangements for Me sale of the Bonds to Crews & Associates, Inc.. U91e Rock, Arkansas (the 'Undenwriteysuch sae to be made pursuant to the temps of a Bond Purse Agreement between the City and the Underwriter (the "Band Purchase Agreement) in sub- stimaky the form presented to and before this meeting: and WHEREAS, the terms of the Bonds are consistent with the financing tears described in Me Dlstricl5 object plan originafty adopted on December 7, 2004. pursuant to Ordinance No. 4646, and amended on December 28, 2004 and March 15, 2005, pursuant to Ordnance No. 4663 and Ordinance No. 4683, IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF FAYE7- Section 1: Under the authority of the Constitution and laws of the State of Arkansas, nckuding particu- larly Amendment 78 and the Act, there is hereby authorized the Issuance of bonds of the City to be des- gnated as 'City of Fayetteville. 7vkansas Tax Increment Interest Accretion Bonds Highway 71 East Square Redevelopment District No, 1 Project). Series 2005.The Bonds shall be issued at one time or from time to time in the original aggregate principal amount of Three Million Seven Hundred Twenty -Frye Thousand Dollars ($3,725,000). The Bonds shall mature on August 1, 2029 and shall bear interest at the rate of 6.50% per annum, as specified in the Bond Purdase Agreement presented to this meeting. The proceeds of the Bonds will be utilized to finance the costs of acquisition, demolition, and site prepa- ration relating to Project and to pay publication, legal, undarvniNtg and other expenses incidental to the issuance of the Bonds. The City Council hereby finds that the real property within the District will be ben- efited upon completion of the Project. The Bonds shall be issued In minimum denominations of $5,000 and in increments of $5.090 in excess thereof. The Bonds shall be dated, stall be in the form, shall be numbered, shall be subject to redemp- tion prior to maturity. and shall contain such other terms, covenants and conditions, all as set forth in that certain Trust Indenture to be dated as of Apr l 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, as trustee the 'Trustee'), to be entered into by the City and the Trustee in sub- sfentlely the form submitted to this meeting. The Mayor is hereby authorized and directed to execute and deliver the Bonds in substantialy the form hereof contained in Me Indenture submitted to this meeting, and the City Clerk is hereby authorized and directed to execute and deliver the Bonds and to affa that seal of the City thereto, and the Mayor and City Clerk are hereby authorized and directed to cause the Bads to be accepted and authenticated by the Trustee. The Mayor is hereby authorized to confer with the Trustee, the underwriter and Kulac Rock I1P, Little Rock, Arkansas ('Bore Counsel', in order to complete the Bonds in substantia*y the form contained In the Indenture submitted to this meeting, with such changes as she$ be approved by such persons executing the BOMB, their execution to constitute conclusive evidence of such approval. Section 2: In order to pay the principal of and interest on the BOMB as they mature a are called for redemption prior to maturity, the Act provides that the Districts tax increment, as defined In the Act (the Tax Increment"), shall be calculated annually and any positive amount ditbuted to the City for deposit into the Highway 71 East Square Redevelopment District No.1 Tax Increment Fund created In Ordinance No. 4608. Pursuant to the Indenture, such fund will be assigned to and held by the Trustee for the ben- efit of the hdders of the Basis. The City covenants and agrees that all recepts relating to the Tax Increment will be accounted for separately as special funds on the books of the Gry, and receipts of said Tax Increment will be deposited and will be used solely as pro fled in Me Indenture. Section 3; To prescribe the terms and cadltlons upon which the Bonds are to be executed. a i hentl- cated, Issued, accepted, held and secured, the Mayor is hereby authorized and directed to execute and acknowledge the Indenture, and the perk is hereby authorized and directed to execute and acknowl- edge the Indenture and to affix the sea of the City thereto. and the Mayor and the City Clerk are hereby authorized and directed to cause the Indenture to be accepted. executed and acknowledged by the Trustee. The Indenture is hereby approved in substantially the form submitted to This meeting, including, without limitation, the providers thereof pertalhng to the Tax Increment and the terms of the Bonds. The Mayor is hereby authorized to confer with the Trustee the Underwriter and Bad Counsel in order to complete the Indenture in substantially Me form submitted to this meeting, with such changes as shall be approved by such persons executing the Indenture, their execution n to constitute conclusive evidence of such approval. - __ — -.- lyldvlce o gwen fret a copy of The Indenture in substahtidy 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 indud- Ing the cover page and appendices attached thereto, relating to the Bands. The Preliminary Official Statement is hereby "deemed final" within the meaning of U.S. Securities and Exchange Commission Ruts 15c2-12. The prior distribution of the Preliminary Official Statement is hereby ratified and approved. The prelbnknary Official Statement, as amended to conform to the terms of the Bond Purchase Agreement, Irdutling Exttibit A Thereto, end with such other changes end amendments as are mutually agreed to by the City, the UMeewdter end Band Counsel, Is herein referred to as the 'Official Statement', end the Mayor is hereby authorized to execute the Official Statement for and on behalf of the City. The Official Statement n hereby aPPnA'ed in substantially the form of the Preliminary Official Statement sub- mitted to this meeting, and the Mayor a hereby authorized to confer with 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 flanges as shell be approved by such persons, the Mayors execution to constitute cerhdudve evidence of each approval. (dvice is given that a copy of the Preliminary Official Statement is on file with the City Clerk and is avall- aba for inspection by any interested person.) Sections: In osier to prescribe the terms and conditions upon wMch the Bonds are to be sold to the Underwriter, the Mayor a hereby euMalzed and directed to execute the Bond Purchase Agreement on behalf of the Cit) to be dated as of the date of its execution (ihe'Bond Purchase Agreement, by and between the City and the Underwriter, and said Bond Purchase Agreement is hereby approved In sub- santalN the form submitted to this meeting, end Me Mayor a hereby authorize to confer with the nvri Uneeler end Bond Counsel In order to complete the Bond Purchase Agreement in substantially the form submitted to this meeting, with such charges as stall co approved by such persons executing the Bond Purchase Agreement, their execution to constitute cortdustve evidence of such approval. )Advice is given that a copy of the Bond Purchase Agreement in substantially the form auttarizetl to be executed is on file with the City Gerk and a available for Inspection by any Interested Person.) Section 6: in order to provide far continuing disclosure of certain financial and operating information with respect to the City, the GSNct end the Tax Increment in compliance with the rizsiau of Rule 15c2-12 of the U.S. Securities and Exchange Commission, the Mayor is hereby authorized and directed to exe- cutea Continuing Disclosure Agreement (the "Continuing Gscbsure Agreement"). to . by and between the Cm' and the Trustee, and the Mayor is hereby authorized and directed to cause the Continuing Disdosure Agreement to be executed approved In substantially the form sWrNtted to this the remeeti rug, aanndthe f�.tiayor Disclosure ereby authorized to is hereby con- fer with Me Trustee, Me Underwriter and Bond Counsel In order to complete the Continuing Disclosure Agreement in substantially the form subntltted to this meeting with such flanges as shall be approved by such persons executing the ContlntA g Disclosure Agreement, their execution to constktute conclu- sive evidence of such approval, fpdvlce a given that a copy of the Continuing Gsdosure Agreement in substantially the lone authorized to be executed s an fie with the City Gerk and is awa1W11e for inspection by any interested person.) Section 7: The Mayor and City Clerk, far and on behalf of the Gry, are hereby authorized and directed to do any one all things necessary to affect the issuance, sae, execution and delivery of the Bond^, and to effect the execution and delivery of the Indenture, the Bond Purchase Agreement, the Continuing ,psdosure Agreement end a Tax Regulatory Agreement relating to the tax exemptlon of interest on the Bonds, and to perform all of to obligations of the City antler and pursuant thereto. The Mayor and the City Clerk are further authorized and tlacted, to and an befall of the Gry. M execute all paperh.rocu-. .manta, certificates end other Inslrumonts that may be required for the cohering out of such authority or to evidence the exercise thereof. Section 8: The provisions of this Ordinance are hereby declared to be stsuch severable, and If any section.phrese or provision shall for any reason be declared to be Illegal or irrvakl, sucdeclaration shall not affect the validity of the remainder of the sections, phrases or plod hens of His Ordinance. M Section 9: ordinances, resolutions and pads thereof in conflict herewith are hereby repealed to the extent of such conflict. Ir Section 10: There is hereby found and declared to be an immediate need for certain infrastructure improvements benefit the pubUc health, safety and welfare 01 e Cry and s habitants, and improvements Me Issssuance and sale of I 1 the the Bonds approved hereby for the Purpose 01 I financing Me project and the taking of the other actions authorized herein are mmedntely necessary it connection with such improvements. It is, therefore. declared that an emergency exists and this Ordinance being necessary for the immediate preservation of Me public health, safety and welfare shot be in force and take effect immediately upon and after its passage. and APPROVED this 15th day of March, 2005. SSONDRL..SMTH, Clem Wait • THANK YOU! Arkansas Democrat -Gazette, NW Ed 212 N. East Avenue Fayetteville, AR 72701 479-442-1700 VISA PURCHASE CARD #************4345* EXPIRATION DATE : ***** DATE 03-28-2005 #002781 A TIME 13:25:15 SALE 468.72 APPROVED 037719 AVS: YES CLERK : MERCH ORDER# ITEM DESC: ***PLEASE IMPRINT CARD*** ------------ THANK YOU--------- oeo • 3/j s /os �6zry Tir1 e& TayveTevile ARKANSAS The City of Fayetteville, Arkansas City Council Agenda Memo City Council Meeting Date: March 15, 2005 To: Mayor Coody and Fayetteville City Council From: Stephen Davis, Finance & Internal Services Director/_...S. Date: March 3, 2005 Subject: HIGHWAY 71 EAST SQUARE REDEVELOPMENT DISTRICT PROJECT #1 Recommendation: Staff recommends City Council approve a bond ordinance and authorize the Mayor and City Clerk to sign tax increment financing bond documents (trust indenture, bond purchase agreement and other related documents) authorized under Amendment 78 and required to establish a project fund for the purchase and demolition of properties identified in the corresponding 71 EAST SQUARE REDEVELOPMENT DISTRICT PROJECT #1 Project Plan. Background: The City has been actively working to establish a, TIF District for the purpose of removing blighted properties along Mountain Street and to transfer the cleared property to private developers for a $20+ million improvement. During this process numerous public hearings have been conducted and City Council has authorized bond counsel, bond underwriters and other professional to assist the City in developing the appropriate bond documents and a financing plan to accomplish removal of the blight; Discussion: A formal presentation of the financing plan will be presented at the March 8, 2005 City Council Agenda Session. The financing plan that will be presented establishes a project fund of $3.5 million relies on historical real property assessment growth rates and utilizes currently available millages to fund debt service on this issue. The most likely, conservative approach relies on 3.16 mils and the median real property assessment growth rate of 8.91% results in a short fall (approximately $150,000) in the later years of the bond issue. Adjusting this financing scenario 113 WEST MOUNTAIN 72701 479-575-8330 479-575-8257 (Fax) by adding 2 mils of property millage and reducing the real property asassessment growth rate to 6.52% provides a substantial cushion. Budget Impact: All of the costs associated with transaction are expected to be funded from the Project Fund and it is not expected to create a financial obligation for any other operating fund of the City. 113 WEST MOUNTAIN 72701 479-575-8330 479-575-8257 IFaa) • 0 O Cn CD CD Cn= o n. OV (i O `3, C) Cn CD l^ u) 0 • O^) C I CD Cm CD a CD CD 0 3 CD a m 0) 0 0 0 0 c ? Oo c N D f° 903 0 7 -. _ 0 N v 0 w N O O A A CO N N W O V O l0 O 00 O CO O !O O O • . . .A 0 N 0 a a 0 0 s• »• 0 0 .UMW a 0 ui 1* 0 ii a N CD O ii a o d 03 o 0 C y 0 a. 01 A A Y Y a a O O O O pp O O O n N O ii a N 0) CD a. m N v CD CD A co N O O N Cl) Cl) w O 2a0 C o °' 3 C, -' lD W - 3 CR N Q. QO N Z O C m C r N - O OCR CD .� A y S c� • M � 7� O 7 C 3 � m7 n Iq >w -1 _ 6% Q n — C m6D _ n o O D o n cD O CD • 0 CG ('3 C) M bob O O -s 0c0 co CD I) 5 CD CD v 0 a. 0) v O N t%30 0 0 C.,','. co Dco a, 00 (flj fl rt I V 0 • O - - - 000 000 N N N N N N 000 000 N N N 000 co 00 v) 01 rn •00 Cii N 0 CI 1 oil I I I I I I I I I I I I CD C. DC!) CD CD �. n C!) • CD a O. CD 0 a, n O C 13 O m O 2) 'I I (� 0 . O• oN • O CD o o m O D n cD Q o N n m IV 3 ap Qi in O Q) CD Q- CD 3 4SC') m v, v _ E 3- CD In 5 3 = C cQ - c� 0 _. o m o �. o' o CD o o Cn m can v 0 C/) m �. Q < 5.v Q CD o CD o _• O o CD o ' c oN CD v Cl) n v 62 cr G) v n v 69 am G7 O(n v Cr CCDD CD m - CD 3 N cD o O 3(a o< (Q o< a 0 CD I o o v 0 o ca = O m a m y (DD m y (n �' m CA W cn ,rt Cl)3 cn 3 Cr) w 3 CD a' o O 69 o o o 0 o ' rn ca 6) iv O ca 00 v (O 9'a N N N(D O N CJJ N) Ni (Q O O O C) Cn NJ . CD ° C v CA ' C CA e O Cci 0, C O I* Q- cn _ -1� Cl) 0) CD cfl o CD cQ _ C cQ _ 0 v C CD C Q n O v n m m < CD C O C) = c O— ._�, a O- (D V J can CD wc(n p O ccnn N a- CD C) mn O CD O CD = O CD W G o CD ° 000 G 3Cfl- _ C) _ r r o p = p O 3 C Ni Cfl o N Ni (}7 o coo. a) 1 • 0 I 1 1 Highway 71 East Square 1 Redevelopment District #1 1 (Mountain Inn Project) [] I 1 Cashflow Projections H 11 CI I H I I L I I I I 7 J I H I I I H F, Ii Combined ntain Inn & Downtown Master nan District Based on 3.16 Mils /2000-2004 Median Growth Rate of 8.91% (18 Projects Planned Over Next 5 Years /$128 Million Appraised Value) Total Available Increment................................................................................ 3,762,802,081 Total Available Yield...................................................................................... 11,890,455 Net Present Value of Available Yield................................................................... 7,046,470 TaxRate.................................................................................................... 0.32% Present Value Rate......................................................................................... 3.00% Year 2005 2006 2007 2008 2009 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,342,546 10,414,906 25,682,952 36,035,529 45,810,320 Available Yield 10,562 32,911 81,158 113,872 144,761 PV of Available Yield 10,255 31,022 74,271 101,174 124,872 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 84,420,670 91,942,552 100,134,633 109,056,629 118,773,575 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 52,716,831 60,238,713 68,430,794 77,352,790 87,069,736 Available Yield 166,585 190,354 216,241 244,435 275,140 PV of Available Yield 139,512 154,775 170,703 187,339 204,730 Year 2015 2016 2017 2018 2019 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 129,356,300 140,881,946 153,434,528 167,105,544 181,994,648 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 97,652,461 109,178,107 121,730,689 135,401,705 150,290,809 Available Yield 308,582 345,003 384,669 427,869 474,919 PV of Available Yield 222,926 241,978 261,941 282,872 304,832 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 198,210,371 215,870,916 235,105,014 256,052,871 278,867,182 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 166,506,532 184,167,077 203,401,175 224,349,032 247,163,343 Available Yield 526,161 581,968 642,748 708,943 781,036 PV of Available Yield 327,886 352,100 377,547 404,300 432,441 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 303,714,248 330,775,187 360,247,256 392,345,287 427,303,252 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 272,010,409 299,071,348 328,543,417 360,641,448 395,599,413 Available Yield 859,553 945,065 1,038,197 1,139,627 1,250,094 PV of Available Yield 462,052 493,223 526,046 560,621 597,052 1 • Mountain I"an / Dickson Street Redevelopment District Based on 2000-2004 Median Growth Rate of 8.91% Par Amount 4,145,000.00 Interest Rate 6.85% DSRF 414,500.00 Interest Earnings Rate 3.00% DSRF Total Accrued Total Principal Excess Cash Date Revenue Earnings Revenues Bonds Called Interest & Interest Balance 4/1/2005 - - - - - - - 2/1/2006 130,562.00 10,362.50 140,924.50 130,000.00 7,522.50 137,522.50 3,402.00 2/1/2007 32,911.00 12,435.00 48,748.00 40,000.00 5,262.80 45,262.80 3,485.20 2/1/2008 81,158.00 12,435.00 97,078.20 80,000.00 16,832.80 96,832.80 245.39 2/1/2009 113,872.00 12,435.00 126,552.39 95,000.00 28,000.59 123,000.59 3,551.81 ' 2/1/2010 144,761.00 12,435.00 160,747.81 115,000.00 44,269.45 159,269.45 1,478.36 2/1/2011 166,585.00 12,435.00 180,498.36 120,000.00 57,773.47 177,773.47 2,724.89 2/1/2012 190,354.00 12,435.00 205,513.89 125,000.00 73,082.80 198,082.80 7,431.09 2/1/2013 216,241.00 12,435.00 236,107.09 135,000.00 93,834.54 228,834.54 7,272.54 2/1/2014 244,435.00 12,435.00 264,142.54 145,000.00 117,909.86 262,909.86 1,232.68 '2/1/2015 275,140.00 12,435.00 288,807.68 145,000.00 136,227.60 281,227.60 7,580.08 2/1/2016 308,582.00 12,435.00 328,597.08 155,000.00 166,567.90 321,567.90 7,029.18 2/1/2017 345,003.00 12,435.00 364,467.18 160,000.00 195,068.41 355,068.41 9,398.77 2/1/2018 384,669.00 12,435.00 406,502.77 170,000.00 233,545.06 403,545.06 2,957.71 '2/1/2019 427,869.00 12,435.00 443,261.71 170,000.00 261,661.28 431,661.28 11,600.43 2/1/2020 474,919.00 12,435.00 498,954.43 180,000.00 308,897.41 488,897.41 10,057.03 2/1/2021 526,161.00 12,435.00 548,653.03 185,000.00 352,487.07 537,487.07 11,165.96 2/1/2022 581,968.00 12,435.00 605,568.96 190,000.00 400,474.23 590,474.23 15,094.73 ' 2/1/2023 642,748.00 12,435.00 670,277.73 200,000.00 464,857.24 664,857.24 5,420.49 2/1/2024 708,943.00 12,435.00 726,798.49 200,000.00 511,179.88 711,179.88 15,618.60 2/)/2025 781,036.00 12,435.00 809,089.60 210,000.00 588,766.46 798,766.46 10,323.14 2/1/2026 859,553.00 12,435.00 882,311.14 215,000.00 659,762.27 874,762.27 7,548.87 2/1/2027 945,065.00 12,435.00 965,048.87 220,000.00 737,470.33 957,470.33 7,578.54 2/1/2028 1,038,197.00 12,435.00 1,058,210.54 225,000.00 822,457.04 1,047,457.04 10,753.50 2/1/2029 1,139,627.00 426,935.00 1,577,315.50 315,000.00 1,253,611.22 1,568,611.22 8,704.28 8/1/2029 - - 8,704.28 220,000.00 913,060.17 1,133,060.17 (1,124,355.89) Total 10,760,359.00 710,867.50 4,145,000.00 8,450,58239 12,595,582.39 I Combined Nlfifentain Inn & Downtown District I I [1 I I I I I I I I I I I I I I Based on 3.16 Mils / UofA Projected Assessment Growth Rate (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) it Available Increment.................................................................................. 5,312,852,450 it Available Yield........................................................................................ 16,788,614 Present Value of Available Yield..................................................................... 9,709,769 Rate...................................................................................................... 0.316° entValue Rate........................................................................................... 3.00% Year 2005 2006 2007 2008 2009 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,342,546 10,414,906 25,682,952 36,035,529 45,810,320 Available Yield 10,562 32,911 81,158 113,872 144,761 PV of Available Yield 10,255 31,022 74,271 101,174 124,872 ear 2010 2011 2012 2013 2014 -ozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Mal Assessment 85,994,207 95,453,570 106,010,735 117,809,730 130,992,639 ssessment Growth Rate 10.94% 11.00% 11.06% 11.13% 11.19% crement 54,290,368 63,749,731 74,306,896 86,105,891 99,288,800 vailable Yield 171,558 201,449 234,810 272,095 313,753 V of Available Yield 143,677 163,797 185,361 208,538 233,461 (Year 2015 2016 2017 2018 2019 iFrozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 145,742,410 162,240,451 180,719,638 201,430,109 224,655,000 Assessment Growth Rate 11.26% 11.32% 11.39% 11.46% 11.53% Increment 114,038,571 130,536,612 149,015,799 169,726,270 192,951,161 Available Yield 360,362 412,496 470,890 536,335 609,726 PV of Available Yield 260,333 289,316 320,653 354,581 391,360 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 250,714,980 279,973,418 312,842,298 349,788,973 391,378,882 Assessment Growth Rate 11.60% 11.67% 11.74% 11.81% 11.89% Increment 219,011,141 248,269,579 281,138,459 318,085,134 359,675,043 Available Yield 692,075 784,532 888,398 1,005,149 1,136,573 PV of Available Yield 431,278 474,655 521,840 573,222 629,293 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 438,187,796 490,901,788 550,349,995 617,382,624 693,073,734 Assessment Growth Rate 11.96% 12.03% 12.11% 12.18% 12.26% Increment 406,483,957 459,197,949 518,646,156 585,678,785 661,369,895 Available Yield 1,284,489 1,451,066 1,638,922 1,850,745 2,089,929 PV of Available Yield 690,476 757,300 830,428 910,444 998,162 CREWS & A SSOCJATES Invescmenc Bankers I I I I I I C L I I I I I I I I I I Combined 1V. ntain Inn & Downtown Maste an District Based on 3.16 Mils /1996-2004 Median Growth Rate of 6.52% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) Total Available Increment................................................................................ 2,699,896,867 Total Available Yield...................................................................................... 8,531,674 Net Present Value of Available Yield................................................................... 5,183,210 TaxRate.................................................................................................... 0.32% PresentValue Rate......................................................................................... 3.00% Year 2005 2006 2007 2008 2009 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,342,546 10,414,906 25,682,952 36,035,529 45,810,320 Available Yield 10,562 32,911 81,158 113,872 144,761 PV of Available Yield 10,255 31,022 74,271 101,174 124,872 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 82,568,082 87,951,521 93,685,960 99,794,284 106,300,872 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 50,864,243 56,247,682 61,982,121 68,090,445 74,597,033 Available Yield 160,731 177,743 195,864 215,166 235,727 PV of Available Yield 134,610 144,521 154,616 164,907 175,403 Year 2015 2016 2017 2018 2019 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 113,231,689 120,614,395 128,478,453 136,855,248 145,778,210 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 81,527,850 88,910,556 96,774,614 105,151,409 114,074,371 Available Yield 257,628 280,957 305,808 332,278 360,475 PV of Available Yield 186,116 197,058 208,240 219,675 231,375 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 155,282,950 165,407,398 176,191,960 187,679,676 199,916,391 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 123,579,111 133,703,559 144,488,121 155,975,837 168,212,552 Available Yield 390,510 422,503 456,582 492,884 531,552 PV of Available Yield 243,353 255,621 268,194 281,085 294,307 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 212,950,940 226,835,341 241,625,005 257,378,956 274,160,064 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 181,247,101 195,131,502 209,921,166 225,675,117 242,456,225 Available Yield 572,741 616,616 663,351 713,133 766,162 PV of Available Yield 307,876 321,807 336,114 350,814 365,923 ' Mountain Inn / Dickson Street Redevelopment District Based on 1996-2004 Median Growth Rate of 6.52% Par Amount 4,145,000.00 Interest Rate 6.85% DSRF 414,500.00 Interest Earnings Rate 3.00% DSRF Total Accrued Total Principal Excess Cash Date Revenue Earnings Revenues Bonds Called Interest & Interest Balance 4/1/2005 - - - - - - - 2/1/2006 130,562.00 10,362.50 140,924.50 130,000.00 7,522.50 137,522.50 3,402.00 2/1/2007 32,911.00 12,435.00 48,748.00 40,000.00 5,262.80 45,262.80 3,485.20 2/1/2008 81,158.00 12,435.00 97,078.20 80,000.00 16,832.80 96,832.80 245.39 2/1/2009 113,872.00 12,435.00 126,552.39 95,000.00 28,000.59 123,000.59 3,551.81 2/1/2010 144,761.00 12,435.00 160,747.81 115,000.00 44,269.45 159,269.45 1,478.36 2/1/2011 160,731.00 12,435.00 174,644.36 115,000.00 55,366.24 170,366.24 4,278.12 2/1/2012 177,743.00 12,435.00 194,456.12 120,000.00 70,159.49 190,159.49 4,296.63 2/1/2013 195,864.00 12,435.00 212,595.63 125,000.00 86,883.84 211,883.84 711.79 2/1/2014 215,166.00 12,435.00 228,312.79 125,000.00 101,646.43 226,646.43 1,666.36 2/1/2015 235,727.00 12,435.00 249,828.36 125,000.00 117,437.58 242,437.58 7,390.77 2/1/2016 257,628.00 12,435.00 277,453.77 130,000.00 139,702.11 269,702.11 7,751.66 2/1/2017 280,957.00 12,435.00 301,143.66 135,000.00 164,588.97 299,588.97 1,554.69 2/1/2018 305,808.00 12,435.00 319,797.69 130,000.00 178,593.28 308,593.28 11,204.41 2/1/2019 332,278.00 12,435.00 355,917.41 140,000.00 215,485.76 355,485.76 431.65 2/1/2020 360,475.00 12,435.00 373,341.65 135,000.00 231,673.06 366,673.06 6,668.59 2/1/2021 390,510.00 12,435.00 409,613.59 140,000.00 266,746.97 406,746.97 2,866.63 2/1/2022 422,503.00 12,435.00 437,804.63 140,000.00 295,086.28 435,086.28 2,718.35 2/1/2023 456,582.00 12,435.00 471,735.35 140,000.00 325,400.07 465,400.07 6,335.28 2/1/2024 492,884.00 12,435.00 511,654.28 140,000.00 357,825.92 497,825.92 13,828.36 2/1/2025 531,552.00 12,435.00 557,815.36 145,000.00 406,529.22 551,529.22 6,286.14 2/1/2026 572,741.00 12,435.00 591,462.14 145,000.00 444,955.95 589,955.95 1,506.19 2/1/2027 616,616.00 12,435.00 630,557.19 140,000.00 469,299.30 609,299.30 21,257.89 2/1/2028 663,351.00 12,435.00 697,043.89 145,000.00 530,027.87 675,027.87 22,016.02 2/1/2029 713,133.00 426,935.00 1,162,084.02 230,000.00 915,335.17 1,145,335.17 16,748.84 8/1/2029 - - 16,748.84 1,040,000.00 4,316,284.44 5,356,284.44 (5,339,535.60) Total 7,885,513.00 710,867.50 4,145,000.00 9,790,916.10 13,935,916.10 I Combined NWntain Inn & Downtown District I [1 I I I I I I I H I I I H H H Li Based on 5.16 Mils / UofA Projected Assessment Growth Rate (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) LI Available Increment................................................................................ 5,312,852,450 it Available Yield...................................................................................... 27,414,319 Present Value of Available Yield................................................................... 15,855,192 Rate.................................................................................................... 0.516% entValue Rate......................................................................................... 3.00% ear 2005 2006 2007 2008 2009 -ozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 atal Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 ssessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% icrement 3,342,546 10,414,906 25,682,952 36,035,529 45,810,320 vailable Yield 17,248 53,741 132,524 185,943 236,381 V of Available Yield 16,745 50,656 121,278 165,208 203,905 ear 2010 2011 2012 2013 2014 1 •ozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 atal Assessment 85,994,207 95,453,570 106,010,735 117,809,730 130,992,639 ssessment Growth Rate 10.94% 11.00% 11.06% 11.13% 11.19% crement 54,290,368 63,749,731 74,306,896 86,105,891 99,288,800 vailableYield 280,138 328,949 383,424 444,306 512,330 V of Available Yield 234,611 267,465 302,678 340,524 381,222 Year 2015 2016 2017 2018 2019 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 145,742,410 162,240,451 180,719,638 201,430,109 224,655,000 Assessment Growth Rate 11.26% 11.32% 11.39% 11.46% 11.53% Increment 114,038,571 130,536,612 149,015,799 169,726,270 192,951,161 Available Yield 588,439 673,569 768,922 875,788 995,628 PV of Available Yield 425,101 472,428 523,598 578,999 639,056 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 250,714,980 279,973,418 312,842,298 349,788,973 391,378,882 Assessment Growth Rate 11.60% 11.67% 11.74% 11.81% 1 1.89% Increment 219,011,141 248,269,579 281,138,459 318,085,134 359,675,043 Available Yield 1,130,097 1,281,071 1,450,674 1,641,319 1,855,923 PV of Available Yield 704,239 775,069 852,118 936,021 1,027,580 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 438,187,796 490,901,788 550,349,995 617,382,624 693,073,734 Assessment Growth Rate 11.96% 12.03% 12.11% 12.18% l2.26% Increment 406,483,957 459,197,949 518,646,156 585,678,785 661,369,895 Available Yield 2,097,457 2,369,461 2,676,214 3,022,103 3,412,669 PV of Available Yield 1,127,487 1,236,604 1,356,016 1,486,674 1,629,910 ' Mountain 11Th / Dickson Street Redevelopment District Based on UofA Projected Revenues at 5.16 Mils Par Amount 4,145,000.00 Interest Rate 6.85% DSRF 414,500.00 Interest Earnings Rate 3.00% DSRF Total Accrued Total Principal Excess Cash ' Date Revenue Earnings Revenues Bonds Called Interest & Interest Balance 4/1/2005 - - - - - - - ' 2/1/2006 137,248.00 10,362.50 147,610.50 135,000.00 7,811.83 142,811.83 4,798.67 2/1/2007 53,741.00 12,435.00 70,974.67 60,000.00 7,894.21 67,894.21 3,080.47 ' 2/1/2008 132,524.00 12,435.00 148,039.47 120,000.00 25,249.21 145,249.21 2,790.26 2/1/2009 185,943.00 12,435.00 201,168.26 155,000.00 45,685.17 200,685.17 483.09 ' 2/1/2010 236,381.00 12,435.00 249,299.09 180,000.00 69,291.31 249,291.31 7.78 2/1/2011 280,138.00 12,435.00 292,580.78 195,000.00 93,881.89 288,881.89 3,698.90 2/1/2012 328,949.00 12,435.00 345,082.90 215,000.00 125,702.42 340,702.42 4,380.48 2/1/2013 383,424.00 12,435.00 400,239.48 235,000.00 163,341.61 398,341.61 1,897.86 2/1/2014 444,306.00 12,435.00 458,638.86 250,000.00 203,292.87 453,292.87 5,346.00 2/1/2015 512,330.00 12,435.00 530,111.00 270,000.00 253,665.18 523,665.18 6,445.82 2/1/2016 588,439.00 12,435.00 607,319.82 290,000.00 311,643.17 601,643.17 5,676.64 2/1/2017 673,569.00 12,435.00 691,680.64 310,000.00 377,945.04 687,945.04 3,735.60 ' 2/1/2018 768,922.00 12,435.00 785,092.60 330,000.00 453,352.17 783,352.17 1,740.43 2/1/2019 875,788.00 12,435.00 889,963.43 350,000.00 538,714.40 888,714.40 1,249.03 ' 2/1/2020 995,628.00 12,435.00 1,009,312.03 370,000.00 634,955.78 1,004,955.78 4,356.25 2/1/2021 1,130,097.00 12,435.00 1,146,888.25 390,000.00 743,080.84 1,133,080.84 13,807.40 2/1/2022 1,281,071.00 426,935.00 1,721,813.40 290,000.00 611,250.14 901,250.14 820,563.26 • 2/1/2023 1,450,674.00 - 2,271,237.26 2,271,237.26 2/1/2024 1,641,319.00 - - - 3,912,556.26 3,912,556.26 '2/1/2025 1,855,923.00 - 5,768,479.26 - - - 5,768,479.26 2/1/2026 2,097,457.00 7,865,936.26 - - - 7,865,936.26 1 2/1/2027 2,369,461.00 - 10,235,397.26 - - - 10,235,397.26 2/1/2028 2,676,214.00 - 12,911,611.26 - - - 12,911,611.26 2/1/2029 3,022,103.00 - 15,933,714.26 - - - 15,933,714.26 8/1/2029 - - 15,933,714.26 - - - 15,933,714.26 Total 24,121,649.00 623,822.50 4,145,000.00 4,666,757.24 8,811,757.24 I I I f1 C I 171 I I I I I I I I I Combined Mtntain Inn & Downtown Master an District Based on 5.16 Mils /2000-2004 Median Growth Rate of 8.91 % (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) Total Available Increment................................................................................ 3,762,802,081 Total Available Yield...................................................................................... 19,416,059 Net Present Value of Available Yield................................................................... 11,506,262 TaxRate.................................................................................................... 0.516% Present Value Rate......................................................................................... 3.00% Year 2005 2006 2007 2008 2009 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,342,546 10,414,906 25,682,952 36,035,529 45,810,320 Available Yield 17,248 53,741 132,524 185,943 236,381 PV of Available Yield 16,745 50,656 121,278 165,208 203,905 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 84,420,670 91,942,552 100,134,633 109,056,629 118,773,575 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 52,716,831 60,238,713 68,430,794 77,352,790 87,069,736 Available Yield 272,019 310,832 353,103 399,140 449,280 PV of Available Yield 227,812 252,735 278,743 305,908 334,306 Year 2015 2016 2017 2018 2019 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 129,356,300 140,881,946 153,434,528 167,105,544 181,994,648 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 97,652,461 109,178,107 121,730,689 135,401,705 150,290,809 Available Yield 503,887 563,359 628,130 698,673 775,501 PV of Available Yield 364,018 395,129 427,726 461,905 497,764 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 198,210,371 215,870,916 235,105,014 256,052,871 278,867,182 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 166,506,532 184,167,077 203,401,175 224,349,032 247,163,343 Available Yield 859,174 950,302 1,049,550 1,157,641 1,275,363 PV of Available Yield 535,409 574,948 616,500 660,186 706,137 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 303,714,248 330,775,187 360,247,256 392,345,287 427,303,252 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 272,010,409 299,071,348 328,543,417 360,641,448 395,599,413 Available Yield 1,403,574 1,543,208 1,695,284 1,860,910 2,041,293 PV of Available Yield 754,490 805,389 858,986 915,444 974,933 ' Mountain 11Th/ Dickson Street Redevelopment District ' Based on 2000-2004 Median Growth Rate of 8.91@ at 5.16 Mils Par Amount 4,145,000.00 Interest Rate 6.85% DSRF 414,500.00 Interest Earnings Rate 3.00% DSRF Total Accrued Total Principal Excess Cash ' Date Revenue Earnings Revenues Bonds Called Interest & Interest Balance 4/1/2005 - - - - - - - ' 2/1/2006 137,248.00 10,362.50 147,610.50 135,000.00 7,811.83 142,811.83 4,798.67 2/1/2007 53,741.00 12,435.00 70,974.67 60,000.00 7,894.21 67,894.21 3,080.47 ' 2/1/2008 132,524.00 12,435.00 148,039.47 120,000.00 25,249.21 145,249.21 2,790.26 2/1/2009 185,943.00 12,435.00 201,168.26 155,000.00 45,685.17 200,685.17 483.09 2/1/2010 236,381.00 12,435.00 249,299.09 180,000.00 69,291.31 249,291.31 7.78 2/1/2011 272,019.00 12,435.00 284,461.78 190,000.00 91,474.66 281,474.66 2,987.12 2/1/2012 310,832.00 12,435.00 326,254.12 205,000.00 119,855.79 324,855.79 1,398.33 2/1/2013 353,103.00 12,435.00 366,936.33 215,000.00 149,440.20 364,440.20 2,496.13 ' 2/1/2014 399,140.00 12,435.00 414,071.13 225,000.00 182,963.58 407,963.58 6,107.55 2/1/2015 449,280.00 12,435.00 467,822.55 240,000.00 225,480.16 465,480.16 2,342.39 2/1/2016 503,887.00 12,435.00 518,664.39 250,000.00 268,657.91 518,657.91 6.48 2/1/2017 563,359.00 12,435.00 575,800.48 255,000.00 310,890.28 565,890.28 9,910.20 ' 2/1/2018 628,130.00 12,435.00 650,475.20 270,000.00 370,924.50 640,924.50 9,550.70 2/1/2019 698,673.00 12,435.00 720,658.70 280,000.00 430,971.52 710,971.52 9,687.18 2/1/2020 775,501.00 12,435.00 797,623.18 290,000.00 497,668.05 787,668.05 9,955.13 ' 2/1/2021 859,174.00 12,435.00 881,564.13 300,000.00 571,600.65 871,600.65 9,963.49 2/1/2022 950,302.00 12,435.00 972,700.49 310,000.00 653,405.33 963,405.33 9,295.16 2/1/2023 1,049,550.00 12,435.00 1,071,280.16 320,000.00 743,771.59 1,063,771.59 7,508.57 2/1/2024 1,157,641.00 426,935.00 1,592,084.57 145,000.00 370,605.41 515,605.41 1,076,479.16 ' 2/1/2025 1,275,363.00 - 2,351,842.16 2,351,842.16 2/1/2026 1,403,574.00 - - - 3,755,416.16 3,755,416.16 ' 2/1/2027 1,543,208.00 - 5,298,624.16 - - - 5,298,624.16 2/1/2028 1,695,284.00 - 6,993,908.16 - - - 6,993,908.16 ' 2/1/2029 1,860,910.00 - 8,854,818.16 - - - 8,854,818.16 8/1/2029 - - 8,854,818.16 - - - 8,854,818.16 Total 17,494,767.00 648,692.50 4,145,000.00 5,143,641.34 9,288,641.34 CREWS & A SSOCIATES Investment Bankers ' Combined Muuntain Inn & Downtown MasterTlan District Based on 5.16 Mils /1996-2004 Median Growth Rate of 6.52% ' (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) ' Total Available Increment................................................................................ 2,699,896,867 Total Available Yield...................................................................................... 13,931,468 Net Present Value of Available Yield................................................................... 8,463,723 ' Tax Rate.................................................................................................... 0.516°r PresentValue Rate......................................................................................... 3.00°r ' Year 2005 2006 2007 2008 2009 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 ' Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.439 Increment 3,342,546 10,414,906 25,682,952 36,035,529 45,810,320 ' Available Yield 17,248 53,741 132,524 185,943 236,381 PV of Available Yield 16,745 50,656 121,278 165,208 203,905 ' Year 2010 2011 2012 2013 2014 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 82,568,082 87,951,521 93,685,960 99,794,284 106,300,872 'Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.529 Increment 50,864,243 56,247,682 61,982,121 68,090,445 74,597,033 Available Yield 262,459 290,238 319,828 351,347 384,921 PV of Available Yield 219,806 235,990 252,475 269,278 286,417 I Year 2015 2016 2017 2018 2019 Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 113,231,689 120,614,395 128,478,453 136,855,248 145,778,210 ' Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52°r Increment 81,527,850 88,910,556 96,774,614 105,151,409 114,074,371 Available Yield 420,684 458,778 499,357 542,581 588,624 PV of Available Yield 303,911 321,778 340,038 358,710 377,815 Year 2020 2021 2022 2023 2024 ' Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 155,282,950 165,407,398 176,191,960 187,679,676 199,916,391 ' Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52°, Increment 123,579,111 133,703,559 144,488,121 155,975,837 168,2 12,552 Available Yield 637,668 689,910 745,559 804,835 867,977 PV of Available Yield 397,374 417,407 437,937 458,986 480,578 Year 2025 2026 2027 2028 2029 ' Frozen Assessment 31,703,839 31,703,839 31,703,839 31,703,839 31,703,839 Total Assessment 212,950,940 226,835,341 241,625,005 257,378,956 274,160,064 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52°° Increment 181,247,101 195,131,502 209,921,166 225,675,117 242,456,225 Available Yield 935,235 1,006,879 1,083,193 1,164,484 1,251,074 PV of Available Yield 502,735 525,482 548,845 572,849 597,520 Mountain in / Dickson Street Redevelopment District II Based on 1996-2004 Median Growth Rate of 6.52% at 5.16 Mils 'Par Amount Interest Rate DSRF Interest Earnings Rate 4,145,000.00 6.85% 414,500.00 3.00% DSRF Total Accrued Total Principal Excess Cash Date Revenue Earnings Revenues Bonds Called Interest & Interest Balance 4/1/2005 - - - - - - - ' 2/1/2006 137,248.00 10,362.50 147,610.50 135,000.00 7,811.83 142,811.83 4,798.67 2/1/2007 53,741.00 12,435.00 70,974.67 60,000.00 7,894.21 67,894.21 3,080.47 ' 2/1/2008 132,524.00 12,435.00 148,039.47 120,000.00 25,249.21 145,249.21 2,790.26 2/1/2009 185,943.00 12,435.00 201,168.26 155,000.00 45,685.17 200,685.17 483.09 2/1/2010 236,381.00 12,435.00 249,299.09 180,000.00 69,291.31 249,291.31 7.78 2/1/2011 262,459.00 12,435.00 274,901.78 185,000.00 89,067.43 274,067.43 834.35 ' 2/1/2012 290,238.00 12,435.00 303,507.35 190,000.00 111,085.86 301,085.86 2,421.49 2/1/2013 319,828.00 12,435.00 334,684.49 195,000.00 135,538.79 330,538.79 4,145.71 ' 2/1/2014 351,347.00 12,435.00 367,927.71 200,000.00 162,634.29 362,634.29 5,293.41 2/1/2015 384,921.00 12,435.00 402,649.41 205,000.00 192,597.64 397,597.64 5,051.78 2/1/2016 420,684.00 12,435.00 438,170.78 210,000.00 225,672.64 435,672.64 2,498.14 2/1/2017 458,778.00 12,435.00 473,711.14 210,000.00 256,027.29 466,027.29 7,683.85 2/1/2018 499,357.00 12,435.00 519,475.85 215,000.00 295,365.81 510,365.81 9,110.04 2/1/2019 542,581.00 12,435.00 564,126.04 220,000.00 338,620.48 558,620.48 5,505.56 ' 2/1/2020 588,624.00 12,435.00 606,564.56 220,000.00 377,541.28 597,541.28 9,023.28 2/1/2021 637,668.00 12,435.00 659,126.28 225,000.00 428,700.49 653,700.49 5,425.80 ' 2/1/2022 689,910.00 12,435.00 707,770.80 225,000.00 474,245.80 699,245.80 8,525.00 '2/1/2023 745,559.00 12,435.00 766,519.00 230,000.00 534,585.83 764,585.83 1,933.17 2/1/2024 804,835.00 12,435.00 819,203.17 230,000.00 587,856.86 817,856.86 1,346.30 '2/1/2025 867,977.00 12,435.00 881,758.30 230,000.00 644,839.46 874,839.46 6,918.85 2/1/2026 935,235.00 12,435.00 954,588.85 230,000.00 705,792.20 935,792.20 18,796.65 ' 2/1/2027 1,006,879.00 426,935.00 1,452,610.65 75,000.00 251,410.34 326,410.34 1,126,200.31 2/1/2028 1,083,193.00 - 2,209,393.31 - - - 2,209,393.31 ' 2/1/2029 1,164,484.00 - 3,373,877.31 - - - 3,373,877.31 8/1/2029 - - 3,373,877.31 - - - 3,373,877.31 Total 12,800,394.00 685,997.50 4,145,000.00 5,967,514.19 10,112,514.19 Combined A'antain Inn & Downtown District Based on 3.16 Mils / UofA Projected Assessment Growth Rate (18 Projects Planned Over Next S Years / $128 Million Appraised Value) Total Available Increment.................................................................................. 5,319,284,550 Total Available Yield........................................................................................ 16,808,939 Net Present Value of Available Yield..................................................................... 9,723,926 TaxRate...................................................................................................... 0.316°,' Present Value Rate........................................................................................... 3.00°° Year 2005 2006 2007 2008 2009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43°/ Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 11,375 33,724 81,971 114,685 145,574 PV of Available Yield 11,044 31,788 75,015 101,896 125,573 (ear 2010 2011 2012 2013 2014 ,rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 85,994,207 95,453,570 106,010,735 117,809,730 130,992,639 lssessment Growth Rate 10.94% 11.00% 11.06% 11.13% 11.19°i ncrement 54,547,652 64,007,015 74,564,180 86,363,175 99,546,084 \vailable Yield 172,371 202,262 235,623 272,908 314,566 'V of Available Yield 144,358 164,458 186,003 209,161 234,066 tear 2015 2016 2017 2018 2019 �rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 145,742,410 162,240,451 180,719,638 201,430,109 224,655,000 assessment Growth Rate 11.26% 11.32% 11.39% 11.46% 11.530/ ncrement 114,295,855 130,793,896 149,273,083 169,983,554 193,208,445 \vailableYield 361,175 413,309 471,703 537,148 610,539 'V of Available Yield 260,920 289,886 321,207 355,118 391,882 (ear 2020 2021 2022 2023 2024 �rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 250,714,980 279,973,418 312,842,298 349,788,973 391,378,882 assessment Growth Rate 11.60% 11.67% 11.74% 11.81% 1 1.89° ncrement 219,268,425 248,526,863 281,395,743 318,342,418 359,932,327 \vailable Yield 692,888 785,345 889,211 1,005,962 1,137,386 'V of Available Yield 431,785 475,147 522,317 573,686 629,743 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 438,187,796 490,901,788 550,349,995 617,382,624 693,073,734 Assessment Growth Rate 11.96% 12.03% 12.11% 12.18% 12.26°r Increment 406,741,241 459,455,233 518,903,440 585,936,069 661,627,179 Available Yield 1,285,302 1,451,879 1,639,735 1,851,558 2,090,742 PV of Available Yield 690,913 757,725 830,840 910,844 998,550 Mountain Inn / Dickson Street Redevelopm t District Based on UofA Projected Revenues Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 131,375.46 120,000.00 6,181.92 126,181.92 5,193.54 2/1/2007 33,724.12 30,000.00 3,629.28 33,629.28 5,288.38 2/1/2008 81,971.14 70,000.00 13,651.54 83,651.54 3,607.99 2/1/2009 114,685.29 90,000.00 24,656.58 114,656.58 3,636.70 2/1/2010 145,573.63 105,000.00 37,601.97 142,601.97 6,608.36 2/1/2011 172,370.58 120,000.00 53,739.12 173,739.12 5,239.82 2/1/2012 202,262.17 130,000.00 70,650.32 200,650.32 6,851.67 2/1/2013 235,622.81 145,000.00 93,585.90 238,585.90 3,888.58 2/1/2014 272,907.63 155,000.00 116,887.05 271,887.05 4,909.16 2/1/2015 314,565.62 170,000.00 147,896.60 317,896.60 1,578.18 2/1/2016 361,174.90 180,000.00 178,830.72 358,830.72 3,922.36 2/1/2017 413,308.71 195,000.00 219,411.27 414,411.27 2,819.81 2/1/2018 471,702.94 205,000.00 259,441.44 464,441.44 10,081.31 2/1/2019 537,148.03 225,000.00 318,425.40 543,425.40 3,803.94 2/1/2020 610,538.69 235,000.00 370,069.54 605,069.54 9,273.08 2/1/2021 692,888.22 255,000.00 444,935.22 699,935.22 2,226.09 2/1/2022 785,344.89 265,000.00 510,431.87 775,431.87 12,139.11 2/1/2023 889,210.55 285,000.00 604,042.68 889,042.68 12,306.97 2/1/2024 1,005,962.04 305,000.00 709,279.33 1,014,279.33 3,989.68 2/1/2025 1,137,386.15 320,000.00 814,456.96 1,134,456.96 6,918.88 2/1/2026 1,285,302.32 120,000.00 333,522.96 453,522.96 838,698.24 2/1/2027 1,451,878.54 - - - 2,290,576.78 2/1/2028 1,639,734.87 - - - 3,930,311.64 2/1/2029 1,851,557.98 - - - 5,781,869.62 8/1/2029 - - - - 5,781,869.62 Total 14,838,197.29 3,725,000.00 5,331,327.67 9,056,327.67 Combined entain Inn & Downtown District Based on 3.16 Mils /2000-2004 Median Growth Rate of 8.91% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) Total Available Increment................................................................................ 3,769,234,181 Total Available Yield...................................................................................... 1 1,910,780 Net Present Value of Available Yield................................................................... 7,060,627 TaxRate.................................................................................................... 0.32°/a PresentValue Rate......................................................................................... 3.00°/a Year 2005 2006 2007 2008 2009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 11,375 33,724 81,971 114,685 145,574 PV of Available Yield 11,044 31,788 75,015 101,896 125,573 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 84,420,670 91,942,552 100,134,633 109,056,629 118,773,575 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 52,974,115 60,495,997 68,688,078 77,610,074 87,327,020 Available Yield 167,398 191,167 217,054 245,248 275,953 PV of Available Yield 140,193 155,437 171,345 187,962 205,335 ear 2015 2016 2017 2018 2019 -ozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 oral Assessment 129,356,300 140,881,946 153,434,528 167,105,544 181,994,648 ssessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.910/c icrement 97,909,745 109,435,391 121,987,973 135,658,989 150,548,093 vailable Yield 309,395 345,816 385,482 428,682 475,732 V of Available Yield 223,513 242,548 262,494 283,410 305,354 ear 2020 2021 2022 2023 2024 rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 198,210,371 215,870,916 235,105,014 256,052,871 278,867,182 .ssessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% icrement 166,763,816 184,424,361 203,658,459 224,606,316 247,420,627 vailable Yield 526,974 582,781 643,561 709,756 781,849 V of Available Yield 328,393 352,592 378,024 404,764 432,891 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 303,714,248 330,775,187 360,247,256 392,345,287 427,303,252 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.9l°/ Increment 272,267,693 299,328,632 328,800,701 360,898,732 395,856,697 Available Yield 860,366 945,878 1,039,010 1,140,440 1,250,907 PV of Available Yield 462,489 493,647 526,458 561,021 597,440 Mountain n / Dickson Street Redevelopmot District Based on 2000-2004 Median Growth Rate of 8.91% Par Amount of Bonds ......... Interest Rate .................... Date Revenue 4/19/2005 2/1/2006 2/1/2007 2/1/2008 2/1/2009 2/1/2010 2/1/2011 2/1/2012 2/1/2013 2/1/2014 2/1/2015 2/1/2016 2/1/2017 2/1/2018 2/1/2019 2/1/2020 2/1/2021 2/1/2022 2/1/2023 2/1/2024 2/1/2025 2/1/2026 2/1/2027 2/1/2028 2/1/2029 8/1/2029 Total Accrued Bonds Called Interest ... 3,725,000.00 6.50% Total Principal Excess Cash & Interest Balance 131,375.46 120,000.00 6,181.92 126,181.92 5,193.54 33,724.12 30,000.00 3,629.28 33,629.28 5,288.38 81,971.14 70,000.00 13,651.54 83,651.54 3,607.99 114,685.29 90,000.00 24,656.58 114,656.58 3,636.70 145,573.63 105,000.00 37,601.97 142,601.97 6,608.36 167,398.20 120,000.00 53,739.12 173,739.12 267.44 191,167.35 120,000.00 65,215.68 185,215.68 6,219.11 217,054.33 135,000.00 87,131.70 222,131.70 1,141.74 245,247.83 140,000.00 105,575.40 245,575.40 814.17 275,953.38 145,000.00 126,147.10 271,147.10 5,620.45 309,394.79 155,000.00 153,993.12 308,993.12 6,022.13 345,815.84 165,000.00 185,655.69 350,655.69 1,182.27 385,481.99 170,000.00 215,146.56 385,146.56 1,517.71 428,682.41 175,000.00 247,664.20 422,664.20 7,535.91 475,731.97 185,000.00 291,331.34 476,331.34 6,936.55 526,973.66 190,000.00 331,520.36 521,520.36 12,389.85 582,780.98 200,000.00 385,231.60 585,231.60 9,939.23 643,560.73 205,000.00 434,486.84 639,486.84 14,013.12 709,755.96 215,000.00 499,983.79 714,983.79 8,785.29 781,849.18 220,000.00 559,939.16 779,939.16 10,695.31 860,365.91 230,000.00 639,252.34 869,252.34 1,808.88 945,878.48 235,000.00 711,816.88 946,816.88 870.47 1,039,010.22 240,000.00 790,836.00 1,030,836.00 9,044.69 1,140,439.99 65,000.00 232,626.68 297,626.68 851,858.00 10,779,872.85 3,725,000.00 6,203,014.85 9,928,014.85 Combined I ntain Inn & Downtown District Based on 3.16 Mils /1996-2004 Median Growth Rate of 6.52% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) LI Available Increment................................................................................ 2,706,328,967 LIAvailable Yield...................................................................................... 8,552,000 Present Value of Available Yield................................................................... 5,197,368 Rate.................................................................................................... 0.32% entValue Rate......................................................................................... Year 2005 2006 2007 2008 2009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43°/ Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 11,375 33,724 81,971 114,685 145,574 PV of Available Yield 11,044 31,788 75,015 101,896 125,573 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 82,568,082 87,951,521 93,685,960 99,794,284 106,300,872 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 51,121,527 56,504,966 62,239,405 68,347,729 74,854,317 Available Yield 161,544 178,556 196,677 215,979 236,540 PV of Available Yield 135,291 145,182 155,258 165,530 176,008 ear 2015 2016 2017 2018 2019 cozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 113,231,689 120,614,395 128,478,453 136,855,248 145,778,210 ssessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% icrement 81,785,134 89,167,840 97,031,898 105,408,693 114,331,655 vailable Yield 258,441 281,770 306,621 333,091 361,288 V of Available Yield 186,703 197,628 208,794 220,213 231,897 ear 2020 2021 2022 2023 2024 •ozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 155,282,950 165,407,398 176,191,960 187,679,676 199,916,391 ssessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% icrement 123,836,395 133,960,843 144,745,405 156,233,121 168,469,836 vailable Yield 391,323 423,316 457,395 493,697 532,365 V of Available Yield 243,860 256,113 268,672 281,548 294,757 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 212,950,940 226,835,341 241,625,005 257,378,956 274,160,064 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 181,504,385 195,388,786 210,178,450 225,932,401 242,713,509 Available Yield 573,554 617,429 664,164 713,946 766,975 PV of Available Yield 308,313 322,231 336,526 351,214 366,311 Mountainn / Dickson Street Redevelopm t District Based on 1996-2004 Median Growth Rate of 6.52% Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 131,375.46 120,000.00 6,181_92 126,181.92 5,193.54 2/1/2007 33,724.12 30,000.00 3,629.28 33,629.28 5,288.38 2/1/2008 81,971.14 70,000.00 13,651.54 83,651.54 3,607.99 2/1/2009 114,685.29 90,000.00 24,656.58 114,656.58 3,636.70 2/1/2010 145,573.63 105,000.00 37,601.97 142,601.97 6,608.36 2/1/2011 161,544.02 115,000.00 51,499.99 166,499.99 1,652.39 2/1/2012 178,555.69 115,000.00 62,498.36 177,498.36 2,709.72 2/1/2013 196,676.52 120,000.00 77,450.40 197,450.40 1,935.84 2/1/2014 215,978.82 120,000.00 90,493.20 210,493.20 7,421.46 2/1/2015 236,539.64 130,000.00 113,097.40 243,097.40 863.71 2/1/2016 258,441.02 130,000.00 129,155.52 259,155.52 149.21 2/1/2017 281,770.37 130,000.00 146,274.18 276,274.18 5,645.40 2/1/2018 306,620.80 135,000.00 170,851.68 305,851.68 6,414.52 2/1/2019 333,091.47 140,000.00 198,131.36 338,131.36 1,374.63 2/1/2020 361,288.03 140,000.00 220,466.96 360,466.96 2,195.70 2/1/2021 391,323.01 140,000.00 244,278.16 384,278.16 9,240.55 2/1/2022 423,316.26 145,000.00 279,292.91 424,292.91 8,263.90 2/1/2023 457,395.48 145,000.00 307,319.96 452,319.96 13,339.42 2/1/2024 493,696.66 150,000.00 348,825.90 498,825.90 8,210.19 2/1/2025 532,364.68 150,000.00 381,776.70 531,776.70 8,798.17 2/1/2026 573,553.86 150,000.00 416,903.70 566,903.70 15,448.33 2/1/2027 617,428.56 155,000.00 469,496.24 624,496.24 8,380.65 2/1/2028 664,163.90 155,000.00 510,748.25 665,748.25 6,796.30 2/1/2029 713,946.39 155,000.00 554,725.16 709,725.16 11,017.53 8/1/2029 - 690,000.00 2,572,101.96 3,262,101.96 (3,251,084.43) Total 7,905,024.85 3,725,000.00 7,431,109.28 11,156,109.28 Combined NOntain Inn & Downtown District Based on 5.16 Mils / UofA Projected Assessment Growth Rate (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) Total Available Increment................................................................................ 5,319,284,550 Total Available Yield...................................................................................... 27,447,508 Net Present Value of Available Yield................................................................... 15,878,309 TaxRate.................................................................................................... 0.516° Present Value Rate......................................................................................... 3.00° Year 2005 2006 2007 2008 2009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 18,575 55,069 133,852 187,271 237,709 PV of Available Yield 18,034 51,907 122,493 166,388 205,050 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 85,994,207 95,453,570 106,010,735 117,809,730 130,992,639 Assessment Growth Rate 10.94% 11.00% 11.06% 11.13% 11.19% Increment 54,547,652 64,007,015 74,564,180 86,363,175 99,546,084 Available Yield 281,466 330,276 384,751 445,634 513,658 PV of Available Yield 235,723 268,545 303,726 341,541 382,210 Year 2015 2016 2017 2018 2019 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 145,742,410 162,240,451 180,719,638 201,430,109 224,655,000 Assessment Growth Rate 11.26% 11.32% 11.39% 11.46% 11.53% Increment 114,295,855 130,793,896 149,273,083 169,983,554 193,208,445 Available Yield 589,767 674,897 770,249 877,115 996,956 PV of Available Yield 426,060 473,359 524,502 579,876 639,908 ear 2020 2021 2022 2023 2024 -ozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 250,714,980 279,973,418 312,842,298 349,788,973 391,378,882 ssessment Growth Rate 11.60% 11.67% 11.74% 11.81% 11.89% icrement 219,268,425 248,526,863 281,395,743 318,342,418 359,932,327 vailable Yield 1,131,425 1,282,399 1,452,002 1,642,647 1,857,251 V of Available Yield 705,067 775,872 852,898 936,779 1,028,315 ear 2025 2026 2027 2028 2029 rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 438,187,796 490,901,788 550,349,995 617,382,624 693,073,734 ssessment Growth Rate 11.96% 12.03% 12.11% 12.18% 12.26% icrement 406,741,241 459,455,233 518,903,440 585,936,069 661,627,179 vailable Yield 2,098,785 2,370,789 2,677,542 3,023,430 3,413,996 V of Available Yield 1,128,200 1,237,297 1,356,688 1,487,327 1,630,544 Mountain 15n / Dickson Street Redevelopm!t District Based on UofA Projected Revenues at 5.16 Mils Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 211/2006 138,575.12 130,000.00 6,697.08 136,697.08 1,878.04 2/1/2007 55,068.50 50,000.00 6,048.80 56,048.80 897.75 2/1/2008 133,851.62 110,000.00 21,452.42 131,452.42 3,296.94 2/1/2009 187,270.91 145,000.00 39,724.49 184,724.49 5,843.37 2/1/2010 237,708.83 175,000.00 62,669.95 237,669.95 5,882.25 2/1/2011 281,465.89 195,000.00 87,326.07 282,326.07 5,022.07 2/1/2012 330,276.20 215,000.00 116,844.76 331,844.76 3,453.51 2/1/2013 384,751.17 235,000.00 151,673.70 386,673.70 1,530.98 2/1/2014 445,633.98 250,000.00 188,527.50 438,527.50 8,637.46 2/1/2015 513,657.79 275,000.00 239,244.50 514,244.50 8,050.75 2/1/2016 589,766.61 295,000.00 293,083.68 588,083.68 9,733.68 2/1/2017 674,896.50 320,000.00 360,059.52 680,059.52 4,570.67 2/1/2018 770,249.11 340,000.00 430,293.12 770,293.12 4,526.65 2/1/2019 877,115.14 365,000.00 516,556.76 881,556.76 85.03 2/1/2020 996,955.58 385,000.00 606,284.14 991,284.14 5,756.47 2/1/2021 1,131,425.07 240,000.00 418,762.56 658,762.56 478,418.98 2/1/2022 1,282,398.61 - - - 1,760,817.60 2/1/2023 1,452,002.03 - - - 3,212,819.63 2/1/2024 1,642,646.88 - - - 4,855,466.51 2/1/2025 1,857,250.81 - - - 6,712,717.31 2/1/2026 2,098,784.80 - - - 8,811,502.12 2/1/2027 2,370,789.00 - - - 11,182,291.12 2/1/2028 2,677,541.75 - - - 13,859,832.87 2/1/2029 3,023,430.12 - - - 16,883,262.98 8/1/2029 - - - - 16,883,262.98 Total 24,153,512.03 3,725,000.00 3,545,249.05 7,270,249.05 Combined AWintain Inn & Downtown District Based on 5.16 Mils /2000-2004 Median Growth Rate of 8.91% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) Total Available Increment................................................................................ 3,769,234,181 Total Available Yield...................................................................................... 1 9,449,248 Net Present Value of Available Yield................................................................... 1 1,529,379 TaxRate.................................................................................................... 0.516°/a Present Value Rate......................................................................................... 3.00°/a Year •Frozen 2005 2006 2007 2008 2009 Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 18,575 55,069 133,852 187,271 237,709 PV of Available Yield 18,034 51,907 122,493 166,388 205,050 Year 2010 2011 2012 2013 2014 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 84,420,670 91,942,552 100,134,633 109,056,629 118,773,575 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 52,974,115 60,495,997 68,688,078 77,610,074 87,327,020 Available Yield 273,346 312,159 354,430 400,468 450,607 PV of Available Yield 228,923 253,814 279,791 306,925 335,294 ear 2015 2016 2017 2018 2019 -ozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 129,356,300 140,881,946 153,434,528 167,105,544 181,994,648 ssessmentGrowthRate 8.91% 8.91% 8.91% 8.91% 8.91% icrement 97,909,745 109,435,391 121,987,973 135,658,989 150,548,093 vailable Yield 505,214 564,687 629,458 700,000 776,828 V of Available Yield 364,978 396,060 428,630 462,783 498,616 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 198,210,371 215,870,916 235,105,014 256,052,871 278,867,182 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 166,763,816 184,424,361 203,658,459 224,606,316 247,420,627 Available Yield 860,501 951,630 1,050,878 1,158,969 1,276,690 PV of Available Yield 536,236 575,752 617,280 660,944 706,873 x 2025 2026 2027 2028 2029 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 303,714,248 330,775,187 360,247,256 392,345,287 427,303,252 essmentGrowthRate 8.91% 8.91% 8.91% 8.91% 8.91% 'ement 272,267,693 299,328,632 328,800,701 360,898,732 395,856,697 tilable Yield 1,404,901 1,544,536 1,696,612 1,862,237 2,042,621 of Available Yield 755,204 806,082 859,659 916,097 975,567 MountainOn / Dickson Street Redeveloprat District Based on 2000-2004 Median Growth Rate of 8.91@ at 5.16 Mils Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 138,575.12 130,000.00 6,697.08 136,697.08 1,878.04 2/1/2007 55,068.50 50,000.00 6,048.80 56,048.80 897.75 2/1/2008 133,851.62 110,000.00 21,452.42 131,452.42 3,296.94 2/1/2009 187,270.91 145,000.00 39,724.49 184,724.49 5,843.37 2/1/2010 237,708.83 175,000.00 62,669.95 237,669.95 5,882.25 2/1/2011 273,346.43 190,000.00 85,086.94 275,086.94 4,141.74 2/1/2012 312,159.34 200,000.00 108,692.80 308,692.80 7,608.29 2/1/2013 354,430.48 220,000.00 141,992.40 361,992.40 46.37 2/1/2014 400,467.98 225,000.00 169,674.75 394,674.75 5,839.60 2/1/2015 450,607.42 240,000.00 208,795.20 448,795.20 7,651.82 2/1/2016 505,214.28 255,000.00 253,343.52 508,343.52 4,522.59 2/1/2017 564,686.62 265,000.00 298,174.29 563,174.29 6,034.92 2/1/2018 629,457.94 280,000.00 354,359.04 634,359.04 1,133.82 2/1/2019 700,000.38 285,000.00 403,338.84 688,338.84 12,795.36 2/1/2020 776,828.16 305,000.00 480,303.02 785,303.02 4,320.50 2/1/2021 860,501.29 315,000.00 549,625.86 864,625.86 195.94 2/1/2022 951,629.70 325,000.00 626,001.35 951,001.35 824.29 2/1/2023 1,050,877.65 10,000.00 21,194.48 31,194.48 1,020,507.46 2/1/2024 1,158,968.59 - - - 2,179,476.05 2/1/2025 1,276,690.43 - - - 3,456,166.48 2/1/2026 1,404,901.29 - - - 4,861,067.77 2/1/2027 1,544,535.74 - - - 6,405,603.52 2/1/2028 1,696,611.62 - - - 8,102,215.13 2/1/2029 1,862,237.46 - - - 9,964,452.59 8/1/2029 - - - - 9,964,452.59 Total 17,526,627.82 3,725,000.00 3,837,175.23 7,562,175.23 'Par Amount Interest Rate DSRF Interest Earnings Rate II Mountain A / Dickson Street Redevelopment District Based on UofA 4,145,000.00 6.85% 414,500.00 3.00% DSRF Total Date Revenue Earnings Revenues Bonds Called Revenues Accrued Total Principal Excess Cash Interest & Interest Balance • 4/1/2005 - - - - - - - ' 2/1/2006 130,562.00 10,362.50 140,924.50 130,000.00 7,522.50 137,522.50 3,402.00 2/1/2007 32,911.00 12,435.00 48,748.00 40,000.00 5,262.80 45,262.80 3,485.20 ' 2/1/2008 81,158.00 12,435.00 97,078.20 80,000.00 16,832.80 96,832.80 245.39 2/1/2009 113,872.00 12,435.00 126,552.39 95,000.00 28,000.59 123,000.59 3,551.81 2/1/2010 144,761.00 12,435.00 160,747.81 115,000.00 44,269.45 159,269.45 1,478.36 2/1/2011 171,558.00 12,435.00 185,471.36 125,000.00 60,180.70 185,180.70 290.66 2/1/2012 201,449.00 12,435.00 214,174.66 135,000.00 78,929.43 213,929.43 245.23 2/1/2013 234,810.00 12,435.00 247,490.23 145,000.00 100,785.25 245,785.25 1,704.98 ' 2/1/2014 272,095.00 12,435.00 286,234.98 155,000.00 126,041.58 281,041.58 5,193.41 2/1/2015 313,753.00 12,435.00 331,381.41 170,000.00 159,715.11 329,715.11 1,666.29 2/1/2016 360,362.00 12,435.00 374,463.29 180,000.00 193,433.69 373,433.69 1,029.60 2/1/2017 412,496.00 12,435.00 425,960.60 190,000.00 231,643.74 421,643.74 4,316.86 2/1/2018 470,890.00 12,435.00 487,641.86 205,000.00 281,627.86 486,627.86 1,014.00 2/1/2019 536,335.00 12,435.00 549,784.00 215,000.00 330,924.56 545,924.56 3,859.44 2/1/2020 609,726.00 12,435.00 626,020.44 230,000.00 394,702.24 624,702.24 1,318.20 2/1/2021 692,075.00 12,435.00 705,828.20 240,000.00 457,280.52 697,280.52 8,547.68 ' 2/1/2022 784,532.00 12,435.00 805,514.68 255,000.00 537,478.57 792,478.57 13,036.10 2/1/2023 888,398.00 12,435.00 913,869.10 270,000.00 627,557.28 897,557.28 16,311.83 2/1/2024 1,005,149.00 12,435.00 1,033,895.83 290,000.00 741,210.83 1,031,210.83 2,685.00 '2/1/2025 1,136,573.00 12,435.00 1,151,693.00 300,000.00 841,094.94 1,141,094.94 10,598.06 2/1/2026 1,284,489.00 12,435.00 1,307,522.06 320,000.00 981,971.76 1,301,971.76 5,550.30 '2/1/2027 1,451,066.00 420,717.50 1,877,333.80 260,000.00 871,555.84 1,131,555.84 745,777.95 2/1/2028 1,638,922.00 - 2,384,699.95 - - - 2,384,699.95 2/1/2029 1,850,745.00 - 4,235,444.95 - - - 4,235,444.95 8/1/2029 - - 4,235,444.95 - - - 4,235,444.95 Total 14,818,687.00 679,780.00 4,145,000.00 7,118,022.05 11,263,022.05 Combined ntain Inn & Downtown Maste an District Based on 5.16 Mils /1996-2004 Median Growth Rate of 6.52% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) Total Available Increment................................................................................ 2,706,328,967 Total Available Yield...................................................................................... 13,964,657 Net Present Value of Available Yield................................................................... 8,486,841 TaxRate.................................................................................................... 0.516% PresentValue Rate......................................................................................... 3.00% Year 2005 2006 2007 2008 2009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 18,575 55,069 133,852 187,271 237,709 PV of Available Yield 18,034 51,907 122,493 166,388 205,050 •Year 2010 2011 2012 2013 2014 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 82,568,082 87,951,521 93,685,960 99,794,284 106,300,872 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 51,121,527 56,504,966 62,239,405 68,347,729 74,854,317 Available Yield 263,787 291,566 321,155 352,674 386,248 PV of Available Yield 220,918 237,070 253,523 270,295 287,405 Year 2015 2016 2017 2018 2019 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 113,231,689 120,614,395 128,478,453 136,855,248 145,778,210 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 81,785,134 89,167,840 97,031,898 105,408,693 114,331,655 Available Yield 422,011 460,106 500,685 543,909 589,951 PV of Available Yield 304,870 322,709 340,942 359,588 378,667 Year 2020 2021 2022 2023 2024 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 155,282,950 165,407,398 176,191,960 187,679,676 199,916,391 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 123,836,395 133,960,843 144,745,405 156,233,121 168,469,836 Available Yield 638,996 691,238 746,886 806,163 869,304 PV of Available Yield 398,201 418,210 438,717 459,743 481,313 Year 2025 2026 2027 2028 2029 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 212,950,940 226,835,341 241,625,005 257,378,956 274,160,064 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 181,504,385 195,388,786 210,178,450 225,932,401 242,713,509 Available Yield 936,563 1,008,206 1,084,521 1,165,811 1,252,402 PV of Available Yield 503,449 526,175 549,518 573,502 598,154 Mountain In / Dickson Street Redevelopment District Based on 1996-2004 Median Growth Rate of 6.52% at 5.16 Mils Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 138,575.12 130,000.00 6,697.08 136,697.08 1,878.04 2/1/2007 55,068.50 50,000.00 6,048.80 56,048.80 897.75 2/1/2008 133,851.62 110,000.00 21,452.42 131,452.42 3,296.94 2/1/2009 187,270.91 145,000.00 39,724.49 184,724.49 5,843.37 2/1/2010 237,708.83 175,000.00 62,669.95 237,669.95 5,882.25 2/1/2011 263,787.08 185,000.00 82,847.81 267,847.81 1,821.52 2/1/2012 291,565.62 190,000.00 103,258.16 293,258.16 128.98 2/1/2013 321,155.33 195,000.00 125,856.90 320,856.90 427.41 2/1/2014 352,674.28 200,000.00 150,822.00 350,822.00 2,279.69 2/1/2015 386,248.27 205,000.00 178,345.90 383,345.90 5,182.07 2/1/2016 422,011.29 210,000.00 208,635.84 418,635.84 8,557.52 2/1/2017 460,106.05 220,000.00 247,540.92 467,540.92 1,122.65 2/1/2018 500,684.59 220,000.00 278,424.96 498,424.96 3,382.28 2/1/2019 543,908.86 225,000.00 318,425.40 543,425.40 3,865.74 2/1/2020 589,951.34 230,000.00 362,195.72 592,195.72 1,621.36 2/1/2021 638,995.80 230,000.00 401,314.12 631,314.12 9,303.04 2/1/2022 691,237.95 235,000.00 452,647.13 687,647.13 12,893.86 2/1/2023 746,886.29 240,000.00 508,667.52 748,667.52 11,112.63 2/1/2024 806,162.91 245,000.00 569,748.97 814,748.97 2,526.57 2/1/2025 869,304.35 85,000.00 216,340.13 301,340.13 570,490.79 2/1/2026 936,562.63 - - - 1,507,053.42 2/1/2027 1,008,206.14 - - - 2,515,259.55 2/1/2028 1,084,520.80 - - - 3,599,780.36 2/1/2029 1,165,811.19 - - - 4,765,591.55 8/1/2029 - - - - 4,765,591.55 Total 12,832,255.77 3,725,000.00 4,341,664.22 8,066,664.22 From: Clarice Pearman To: Davis, Steve; Williams, Kit Subject: Ord. 4684 Attached is a copy of the ordinance passed by City Council, March 15, 2005 regarding the TIF bonds. CC: Deaton, Vicki tASHINGTON COUNTY STATE OF ARKANSAS Washington County Courthouse 280 North College - Suite 250 Fayetteville, Arkansas 72701 January 29, 2005 City of Fayetteville 113 West Mountain Fayetteville AR 727 Please accept this letter and its attachments as the assessor's certification required by ACA 14-168- 306(b)(5) for the approval of the Amended Highway 71 East Square Redevelopment District No. 1 Project Plan. The assessed value of all real property within the amended redevelopment district subject to ad valorem taxation, also known as the Base Value as defined in ACA 14-168-301 as of January 1, The total of the local millage rates of Washington County, the Fayetteville School District, and the City of Fayetteville, also known as the Total Ad Valorem Rate as defined in ACA 14-168-301, is: The portion of the total ad valorem rate that was, at January 1, 2001, pledged to the payment of debt service by the Fayetteville School District, certified to me by the Fayetteville School District, also known as the Debt Service Ad Valorem Rate as defined in ACA 14-168-301, is: The total local ad valorem rate less the debt service ad valorem rate for property located in the Fayetteville School District, also known as the Applicable Ad Valorem Rate as defined in A.C.A. 14-168-301, is: Attached are the certifications from the Fayetteville School District of the debt service ad valorem rate, a copy of the most recent millage ordinance detailing levied ad valorem millage rates for all taxing entities in Washington County, and a report from the assessor's database detailing the appraised and assessed value of each parcel in the redevelopment district along with totals for the entire district. E • CELEBRATING THE PAST WHILE EMBRACING THE FUTURE September 21, 2004 Ms. Lee Ann Kizzar County Assessor Washington County Courthouse 280 North College - Suite 360 Fayetteville, AR 72701 Dear Ms. Kizzar: Please be informed that the Fayetteville School Districts millage structure at January 1, 2001 was as follows: 19.3 mills General Maintenance & Operation 23.7 mills Debt Service 1.0 mill Capital Outlay 44.0 mills I have attached the school ballot from that election for your reference. Please call me if you have any questions. Thank you; USG(H. LisZ.Molytad 1000 WEST STONE STREET PO Box 849 FAYETTEVILLE, ARKANSAS 72702 (501) 444-300 &UAL SCHOOL ELECTION BALA* DISTRICT NO, 1 INSTRUCTIONS TO VOTER 1. To vote you must blacken the Oval ( ) completely next to the candidate of your choice. 2. Use only the pencil provided. 3. After voting, deposit ballot in ballot box. School Board Director. - 3yr. Pos 2 o Howard Hamilton (Unopposed) School Board Director. - 3yr. Pos 6 Pam Grondin (Unopposed) School Tax 44.0 Mills The total rate proposed above Includes the uniform rate of 25.0 mills (the Statewide Uniform Rate-) to be collected on all taxable property in the State and remitted to the State Treasurer pursuant to Amendment No. 74 to the Arkansas Constitution to be used solely for maintenance and operation of schools In the State. As provided In Amendment No. 74, the Statewide Uniform Rate replaces a portion of the existing rate of tax levied by this school District and available for maintenance and operation of the schools in this District. The total proposed school tax levy of 44.0 mills Includes 19.3 mills for general maintenance and operation, 1.0 mill for current expenditures/dedicated maintenance and operation expenditures dedicated specifically for the purposes of purchasing school buses, purchasing furniture and equipment, purchasing computer software and renovatlnn and rena'rin.. .. tInn continuing levy pledged for the retirement of existing bonded indebtedness. The 23.7 debt service mills are allocated as follows; 3.0 mills Is a continuing levy dedicated exclusively to the retirement of the District's Bonds dated November 1, 1997 and May 1, 1998, and 20.7 mills Is a continuing levy pledged for the retirement of all other existing bonded Indebtness. The surplus revenues produced by the 20.7 debt service mills may be used by the District for other school purposes. If the proposed school tax levy Is approved by the electors, then the total school tax rate shall be 44.0 mills (this being the effect of such approval not withstanding the results of the litigation referred to below). II the proposed school tax levy is not approved by the electors, then the total school tax rate shall be a lower rate determined in accordance with pending litigation in the Circuit Court of Washington County, Arkansas (the 'Court') involving the rollback provisions of Amendment No. 59 to the Arkansas Constitution, In which the Court has ruled that the rollback provisions of Amendment No.59 have been triggered (the 'Rollback Millage Rate'). The total proposed tax levy of 44.0 mills represents an Increase in total mills equal to the difference between the proposed levy of the 44.0 mills and the lower Rollback Millage Rate. L_) FORTAX o AGAINST TAX I. Amended Higiy 71 East Square Redevelopment Dist*No. I Parcel ID Tax District Type 765-01638-000 011 CI 765-01639-000 011 CI 765-01640-000 011 RI 765-01641-000 011 CV 765-01642-000 011 CM 765-01643-000 011 CI 765-01644-000 011 Cl 765-01645-000 011 ET 765-01646-000 011 Cl 765-01647-000 011 Cl 765-01648-000 011 EX 765-01649-000 011 EX 765-01650-000 011 CI 765-01651-000 011 CI 765-01652-000 011 CV 765-01653-000 011 CM 765-01654-000 011 Cl 765-01655-000 011 CI 765-01656-000 011 Cl 765-01657-000 011 CI 765-01658-000 011 Cl 765-01659-000 011 CI 765-01660-000 011 CI 765-01661-000 011 CI 765-01663-000 011 CM 765-01663-000 011 CM 765-01664-000 011 Cl 765-01664-000 011 Cl 765-01665-000 011 CI 765-01665-000 011 CI 765-01666-000 011 CI 765-01666-001 011 CB 765-01667-000 011 CV 765-01668-000 011 CM 765-01669-000 011 Cl 765-01670-000 011 RI 765-01671-000 011 CI 765-01672-000 011 CV 765-01673-000 011 RI 765-01674-000 011 CR 765-01675-000 011 RI 765-01676-000 011 CI 765-01677-000 011 CV 765-01678-000 011 RI 765-01679-000 011 CV 765-01680-000 011 CI 765-01681-000 011 CV 765-01682-000 011 RI 765-01683-000 011 CI 765-01684-000 011 CI 765-01685-000 011 Cl 765-01686-000 011 CV 765-01687-000 011 CV 765-01688-000 011 CI 765-01690-000 011 CV 765-01691-000 011 RI 765-01692-000 011 RI 765-01693-000 011 RI 765-01694-000 011 RI 765-01695-000 011 CI 765-01696-000 011 RI Total ADoraised 136,600 125,800 141,850 43,700 64,100 696,850 1,358,600 0 210,950 275,950 0 0 379,000 576,450 86,000 186,850 995,300 249,300 194,000 230,400 170,100 202,350 124,050 210,900 80,150 80,150 130,200 130,200 128,450 128,450 251,450 29,300 130,000 168,750 338,850 165,250 114,100 27,200 131,500 155,050 89,450 74,900 160,000 85,950 80,000 182,000 180,000 158,650 138,800 296,550 254,200 116,150 21,100 337,950 58,000 112,250 157,050 122,450 87,150 476,400 134,650 Total Assessed 26,488 20,020 22,719 6,435 9,724 125,070 182,559 0 35,905 49,207 0 0 71,258 98,927 16,819 25,926 148,334 42,743 32,895 30,778 30,602 32,340 16,701 38,988 10,687 10,687 10,802 10,802 19,734 19,734 27,199 5,860 25,080 24,138 52,124 27,367 18,690 4,400 18,682 27,311 10,090 7,794 11,440 14,459 10,450 30,007 29,700 24,151 25,333 27,957 49,477 7,951 1,444 44,200 6,163 17,760 27,317 14,813 13,900 69,155 15,044 1/29/2005 Parcel ID T istrict Type 765-01697-000 11 RI 765-01698-000 011 RI 765-01699-000 011 RI 765-01700-000 011 CR 765-01701-000 011 RI 765-01702-000 011 CR 765-01703-000 011 CM 765-01704-000 011 CR 765-01705-000 011 CI 765-01706-000 011 CI 765-01707-000 011 CI 765-01708-000 011 CM 765-01709-000 011 CI 765-01710-000 011 CT 765-01711-000 011 CV 765-01712-000 011 RI 765-01713-000 011 EX 765-01714-000 011 RI 765-01715-000 011 RI 765-01716-000 011 EX 765-01717-000 011 CR 765-01718-000 011 RI 765-01719-000 011 RI 765-01721-000 011 RI 765-01726-000 011 EX 765-01733-000 011 EX 765-01736-000 011 Cl 765-01739-000 011 EX 765-01740-000 011 EX 765-01741-000 011 CI 765-01742-000 011 EX 765-01743-000 011 CI 765-01743-002 011 EX 765-01743-003 011 EX 765-01744-000 011 ET 765-01745-000 011 PS 765-01745-001 011 EX 765-01745-002 011 EX 765-01746-000 011 EX 765-01747-000 011 CR 765-01748-000 011 RI 765-01749-000 011 RI 765-01750-000 011 ET 765-01751-000 011 ET 765-01752-000 011 ET 765-01753-000 011 EX 765-01754-000 011 RI 765-01755-000 011 CI 765-01756-000 011 CR 765-01757-000 011 CR 765-01758-000 011 RI 765-01759-000 011 RI 765-01760-000 011 CI 765-01761-000 011 CR 765-01762-000 011 CI 765-01763-000 011 RI 765-01764-000 011 CI 765-01765-000 011 Cl 765-01766-000 011 RI 765-01767-000 011 CR 765-01768-000 011 RI 765-01769-000 011 RV 765-01770-000 011 RI 765-01771-000 011 RI Total Appraised 65,850 57,050 86,650 102,400 76,950 287,950 90,150 239,500 207,750 458,650 634,200 71,800 270,550 69,000 50,400 78,800 0 92,550 163,750 0 134,600 56,250 199,550 169,450 0 0 805,300 0 0 504,900 0 1,356,950 0 0 0 0 0 0 0 213,300 155,950 87,700 0 0 0 0 133,500 146,000 351,850 95,600 128,400 87,150 93,350 197,600 179,650 116,100 153,700 151,800 259,400 269,800 107,700 20,000 90,650 74,650 Total Assessed 10,053 7,402 12,740 12,601 12,572 52,426 11,341 36,594 26,984 74,419 92,444 12,177 24,574 7,445 8,129 9,621 0 13,566 20,203 0 16,130 8,850 31,021 28,940 0 0 127,523 0 0 55,567 0 231,535 0 0 0 0 0 0 0 38,223 16,052 16,403 0 0 0 0 20,861 23,724 29,284 13,327 19,900 15,530 12,999 39,520 24,123 14,629 28,754 27,092 47,498 48,671 15,101 2,816 8,990 10,167 1/29/2005 Parcel ID T istrict Type 765-01772-000 11 CR 765-01773-000 011 RI 765-01774-000 011 CI 765-01774-001 011 CM 765-01775-000 011 CI 765-01776-000 011 RI 765-01777-000 011 CV 765-01777-001 011 RI 765-01778-000 011 CR 765-01779-000 011 CI 765-01780-000 011 EX 765-01781-000 011 CI 765-01782-000 011 CI 765-01783-000 011 CI 765-01784-000 011 Cl 765-01785-000 011 CM 765-01786-000 011 CI 765-01787-000 011 RI 765-01788-000 011 CI 765-01789-000 011 CI 765-01790-000 011 RI 765-01791-000 011 RI 765-01792-000 011 CI 765-01793-000 011 RI 765-01794-000 011 ET 765-01795-000 011 ET 765-01796-000 011 CI 765-01797-000 011 CI 765-01798-000 011 CI 765-01799-000 011 CI 765-01800-000 011 ET 765-01801-000 011 ET 765-01802-000 011 CI 765-01803-000 011 CI 765-01804-000 011 CI 765-01806-000 011 CI 765-01807-000 011 PS 765-01808-000 011 CI 765-01809-000 011 PS 765-01810-000 011 CI 765-01811-000 011 CI 765-01812-000 011 CI 765-01813-000 011 CM 765-01814-000 011 CI 765-01815-000 011 CM 765-01816-000 011 CI 765-01817-000 011 ET 765-01820-000 011 CI 765-01821-000 011 CI 765-01827-000 011 CI 765-01828-000 011 CI 765-01829-000 011 CI 765-01830-000 011 CI 765-01831-000 011 CI 765-01832-000 011 CI 765-01832-001 011 CI 765-01833-000 011 CI 765-01834-000 011 CI 765-01835-000 011 CV 765-01835-001 011 CB 765-01836-000 011 CI 765-01837-000 011 CV 765-01838-000 011 CI 765-01839-000 011 CI Total Appraised 174,550 71,300 671,000 63,500 139,050 192300 18,150 90,900 286,400 100,050 0 282,450 268,800 188,650 70,900 61,450 284,600 136,300 223,100 263,050 68,200 90,200 92,950 73,000 0 0 144,100 146,300 168,950 193,000 0 0 226,500 184,200 339,000 173,850 5,211, 350 168,350 144,750 1,077000 1,296,200 290,300 47,850 380,200 55,600 409,400 0 6,400,000 6,190,100 171,100 199,850 141,800 580,000 240,300 169,100 100,100 163,700 405,400 396,900 1,953,100 4,000,000 64,850 455,400 982,300 otal Assessed 32,742 9,796 134,200 12,111 27,137 22,618 2,189 14,257 41,598 17,646 0 44,165 45,133 31,812 12,999 8,514 23,995 17,604 24,004 34,738 9,295 9,020 15,656 10,704 0 0 21,912 19,005 25,267 31,257 0 0 37,180 26,312 48,532 33,297 1,042,270 28,882 28,950 152,757 206,492 58,060 6,710 73,871 10,978 80,993 0 1,280,000 1,086,591 32,990 38,338 26,712 67,696 44,573 31,746 18,633 22,537 64,106 75,533 299,207 770,000 11,231 84,885 122,694 1/29/2005 Parcel ID Ta trict Type 765-01840-000 1 CM 765-01841-000 011 CI 765-01842-000 011 EX 765-01843-000 011 CI 765-01844-000 011 CI 765-01844-001 011 Cl 765-01845-000 011 Cl 765-01846-000 011 Cl 765-01847-000 011 Cl 765-01848-000 011 Cl 765-01849-000 011 ET 765-01850-000 011 ET 765-01851-000 011 ET 765-01852-000 011 ET 765-01853-000 011 EX 765-01854-000 011 ET 765-01855-000 011 ET 765-01856-000 011 Cl 765-01857-000 011 CI 765-01858-000 011 RI 765-01859-000 011 CI 765-01860-000 011 RI 765-01861-000 011 RI 765-01862-000 011 CM 765-01863-000 011 RI 765-01864-000 011 CM 765-01865-000 011 CI 765-01866-000 011 CI 765-01867-000 011 CI 765-01868-000 011 RI 765-01869-000 011 ET 765-01870-000 011 ET 765-01871-000 011 ET 765-01872-000 011 ET 765-01873-000 011 EX 765-01874-000 011 CI 765-01875-000 011 CI 765-01876-000 011 RI 765-01877-000 011 RI 765-01878-000 011 CI 765-01879-000 011 EX 765-01880-000 011 RI 765-01881-000 011 RI 765-01882-000 011 CR 765-01882-001 011 CI 765-01883-000 011 CR 765-01884-000 011 RI 765-01885-000 011 RV 765-01886-000 011 CI 765-01887-000 011 CI 765-01887-002 011 EX 765-01888-000 011 RI 765-01889-000 011 RI 765-01890-000 011 RI 765-01891-000 011 RI 765-01892-000 011 RI 765-01893-000 011 RI 765-01894-000 011 RI 765-01895-000 011 CM 765-01896-000 011 RI 765-01897-000 011 RI 765-01898-000 011 RI 765-01899-000 011 RI 765-01900-000 011 CV Total Appraised 89,000 68,150 0 85,250 67,100 67,000 275,950 722,150 702,950 2,500,000 0 0 0 0 0 0 0 412,450 161,850 187,750 118,200 73,100 64,400 76,550 171,850 66,550 482,350 290,200 123,500 154,700 0 0 0 0 0 46,050 41,650 78,550 437,050 106,850 0 112,000 163,450 276,150 445,900 231,000 75,350 500 75,700 88,050 0 54,950 62,650 47,050 86,500 107,000 100,500 86,000 135,200 100,950 137,550 137,350 79,750 58,400 tal Assessed 17,270 12,112 0 14,143 11,168 11,140 52,573 127,470 140,590 461,627 0 0 0 0 0 0 0 68,990 26,727 27,955 15,378 12,197 6,030 12,325 25,333 11,484 49,325 49,940 12,727 23,924 0 0 0 0 0 7,865 7,021 13,695 85,102 19,118 0 16,103 17,139 45,624 89,180 46,200 12,735 100 9,482 7,894 9,324 8,451 7,536 14,850 17,586 13,002 15,389 12,598 15,766 18,690 17,593 7,899 3,080 1/29/2005 • Parcel ID Ta trict Type 765-01901-000 1 CI 765-01902-000 011 RI 765-01903-000 011 CI 765-01904-000 011 RI 765-01905-000 011 CR 765-01906-000 011 CR 765-01907-000 011 RI 765-01908-000 011 RI 765-01909-000 011 EX 765-01910-000 011 RI 765-01911-000 011 EX 765-01912-000 011 RI 765-01913-000 011 CI 765-01914-000 011 ET 765-01915-000 011 CI 765-01916-000 011 CI 765-01917-000 011 CI 765-01918-000 011 CI 765-01919-000 011 CI 765-01920-000 011 CI 765-01924-000 011 CI 765-01925-000 011 CI 765-01926-000 011 EX 765-01927-000 011 CI 765-01928-000 011 EX 765-01929-000 011 ET 765-01930-000 011 CI 765-01932-000 011 CI 765-01933-000 011 CI 765-01935-000 011 CI 765-01938-000 011 Cl 765-01939-000 011 CI 765-01940-000 011 CI 765-01940-001 011 CI 765-01941-000 011 EX 765-01942-000 011 CI 765-01943-000 011 CI 765-01944-000 011 CI 765-01945-000 011 CI 765-01946-000 011 EX 765-01947-000 011 EX 765-01948-000 011 CI 765-01949-000 011 CI 765-01950-000 011 CI 765-01952-000 011 ET 765-01953-000 011 ET 765-01954-000 011 Cl 765-01955-000 011 RV 765-01956-000 011 RI 765-01958-000 011 EX 765-01959-000 011 EX 765-01960-000 011 EX 765-01961-000 011 EX 765-01962-000 011 EX 765-01963-000 011 EX 765-01964-000 011 EX 765-01965-000 011 EX 765-01966-000 011 CI 765-01967-000 011 Cl 765-01968-000 011 CV 765-01969-000 011 CV 765-01970-000 011 CV 765-01971-000 011 CV 765-01972-000 011 Cl Total Appraised 55,450 65,450 209,500 436,350 246,900 228,650 174,150 125,650 0 55,350 0 52,750 112,650 0 95,400 362,450 435,500 1,975,950 244,900 238,800 236,850 481,400 0 717700 0 0 389,750 527,600 432,400 4,380,500 167,550 334,850 668,400 230,800 0 341,350 470,250 109,650 175,450 0 0 332,700 239,150 260,950 0 0 151,150 22,500 72,550 0 0 0 0 0 0 0 0 396,000 98,200 69,000 34,500 34,500 23,000 1,294,050 tat Assessed 6,907 9,162 28,929 55,159 27,478 22,765 31,856 17,576 0 7,136 0 10,550 12,627 0 17,578 37,752 60,380 377,706 34,120 45,485 47,370 79,671 0 129,031 0 0 77,950 59,068 72,758 849,736 30,488 62,062 119,577 45,485 0 68,266 90,167 14,715 23,695 0 0 61,576 44,959 52,190 0 0 26,609 3,168 12,913 0 0 0 0 0 0 0 0 79,200 10,496 13,365 6,688 6,688 4,455 130,545 1/29/2005 Parcel ID Ta trict Type 765-01975-000 011 EX 765-01976-000 011 ET 765-01977-000 011 ET 765-01978-000 011 ET 765-01979-000 011 ET 765-01980-000 011 ET 765-01981-000 011 ET 765-01982-000 011 ET 765-01983-000 011 ET 765-01984-000 011 ET 765-01985-000 011 ET 765-01985-001 011 CI 765-01986-000 011 EX 765-01987-000 011 EX 765-01988-000 011 EX 765-01989-000 011 EX 765-01990-000 011 EX 765-01991-000 011 CI 765-01992-000 011 ET 765-01993-000 011 ET 765-01994-000 011 CI 765-01995-000 011 CI 765-01996-000 011 EX 765-01997-000 011 EX 765-01998-000 011 EX 765-01999-000 011 CI 765-01999-001 011 CI 765-02000-000 011 CI 765-02001-000 011 CI 765-02002-000 011 RI 765-02003-000 011 CI 765-02004-000 011 CI 765-02005-000 011 CI 765-02006-000 011 RI 765-02007-000 011 CR 765-02008-000 011 RI 765-02010-000 011 CT 765-02020-000 011 RI 765-02021-000 011 EX 765-02022-000 011 RI 765-02023-000 011 RI 765-02024-000 011 RI 765-02025-000 011 RI 765-02026-000 011 EX 765-02027-000 011 RI 765-02028-000 011 RI 765-02029-000 011 RI 765-02030-000 011 EX 765-02031-000 011 RI 765-02032-000 011 RI 765-02033-000 011 EX 765-02034-000 011 RM 765-02035-000 011 RV 765-02036-000 011 EX 765-02037-000 011 EX 765-02038-000 011 EX 765-02039-000 011 EX 765-02040-000 011 EX 765-02041-000 011 EX 765-02041-000 011 EX 765-02042-000 011 EX 765-02043-000 011 CI 765-02044-000 011 RI 765-02045-000 011 RI Total Appraised 0 0 0 0 0 0 0 0 0 0 0 1,219,550 0 0 0 0 0 392,300 0 0 294,300 218,100 0 0 0 208,650 141,000 340,350 285,650 471,650 341,350 334,350 324,800 72,500 185,600 67,700 146,050 98,700 0 49,400 79,850 65,550 80,500 0 46,550 46,600 96,650 0 82,150 44,000 0 22,300 50,500 0 0 0 0 0 0 0 0 222,950 91,800 78,550 tat Assessed 0 0 0 0 0 0 0 0 0 0 0 225,577 0 0 0 0 0 69,398 0 0 52,613 29,835 0 0 0 41,173 20,933 47,018 40,865 78,977 56,049 39'344 60,665 7,305 37,120 10,978 26,950 10,915 0 4,730 10,608 7,635 15,149 0 7,908 7,207 15,133 0 8,735 8,393 0 4,460 8,666 0 0 0 0 0 0 0 0 30,901 10,011 9,515 1/29/2005 Parcel ID Ta strict Type 765-02046-000 VT 1 CI 765-02047-000 011 CR 765-02048-000 011 RI 765-02049-000 011 RI 765-02050-000 011 RI 765-02051-000 011 RI 765-02052-000 011 RI 765-02053-000 011 CI 765-02054-000 011 RI 765-02055-000 011 RI 765-02056-000 011 RI 765-02057-000 011 RI 765-02058-000 011 RI 765-02059-000 011 RI 765-02060-000 011 RI 765-02061-000 011 RI 765-02062-000 011 RI 765-02063-000 011 RI 765-02064-000 011 CI 765-02064-001 011 RI 765-02065-000 011 RI 765-02066-000 011 RI 765-02067-000 011 RI 765-02068-000 011 RI 765-02069-000 011 CI 765-02070-000 011 CR 765-02071-000 011 PS 765-02072-000 011 EX 765-02073-000 011 EX 765-02074-000 011 RI 765-02075-000 011 RV 765-02076-000 011 RI 765-02077-000 011 RI 765-02078-000 011 RI 765-02080-000 011 RI 765-02081-000 011 RI 765-02082-000 011 CI 765-02083-000 011 RI 765-02084-000 011 RI 765-02085-000 011 RI 765-02086-000 011 CV 765-02087-000 011 CV 765-02088-000 011 CI 765-02088-001 011 CI 765-02092-000 011 RV 765-02093-000 011 RV 765-02093-001 011 RI 765-02094-000 011 CI 765-02095-000 011 RV 765-02096-000 011 RI 765-02097-000 011 CV 765-02098-000 011 CV 765-02099-000 011 CV 765-02100-000 011 RI 765-02102-000 011 RV 765-02103-000 011 RV 765-02104-000 011 EX 765-02106-000 011 RI 765-02108-000 011 CI 765-02112-000 011 RI 765-02113-000 011 RV 765-02114-000 011 RV 765-02115-000 011 RM 765-02116-000 011 CI Total Appraised 160,650 216,050 111,700 68,600 66,250 86,150 77,350 299,400 79,450 75,350 65,650 50,850 65,950 52,200 54,000 76,100 104,900 68,100 183,050 86,150 112,900 111,300 58,100 56,050 160,350 359,500 1,750 0 0 50,900 22,500 66,250 132,800 61,650 35,650 47,950 153,200 51,800 35,850 57,050 26,500 43,700 160,250 34,950 100 500 61,100 79,250 17,500 51,200 23,500 80,050 52,150 46,000 15,000 17500 0 49,650 44,850 58,100 20,000 6,250 19,350 231,950 otal Assessed 25,464 34,939 17,606 7,401 7,052 10,925 8,827 42,056 7,624 6,100 7,317 6,635 8,041 6,364 6,635 7,362 13,033 9,462 26,933 7,744 11,182 9,560 5,952 5,630 26,169 52,773 350 0 0 5,808 2,860 10,427 16,352 7,765 6,303 7,222 24,915 7,444 5,477 8,065 3,795 5,754 21,607 4,791 20 100 6,901 13,607 2,464 9,812 4,312 14,674 9,559 7,951 2,059 2,402 0 7,072 6,787 7,579 2,231 1,250 3,069 41,599 1/29/2005 Parcel ID Ta trict Type 765-02118-000 fll RV 765-02119-000 011 RI 765-02120-000 011 RI 765-02121-000 011 RI 765-02123-000 011 RV 765-02124-000 011 CI 765-02127-000 011 RV 765-02128-000 011 RI 765-02129-000 011 RV 765-02130-000 011 CI 765-02133-000 011 CV 765-02134-000 011 CI 765-02135-000 011 RI 765-02137-000 011 RI 765-02138-000 011 CM 765-02139-000 011 RI 765-02140-000 011 RI 765-02980-000 011 RI 765-02981-000 011 CI 765-02982-000 011 RI 765-02983-000 011 RM 765-02984-000 011 RI 765-02985-000 011 RI 765-02986-000 011 RI 765-02987-000 011 RI 765-02988-000 011 RI 765-02989-000 011 RI 765-02990-000 011 RM 765-02991-000 011 RI 765-04310-000 011 CI 765-04312-000 011 RI 765-04313-000 011 RI 765-04314-000 011 RI 765-04315-000 011 CI 765-04316-000 011 RI 765-04317-000 011 RI 765-04318-000 011 CI 765-04319-000 011 CI 765-04320-000 011 CI 765-04321-000 011 CI 765-04322-000 011 CM 765-04323-000 011 CM 765-04324-000 011 CM 765-04325-000 011 CM 765-04326-000 011 ET 765-04327-000 011 RV 765-04328-000 011 ET 765-04329-000 011 ET 765-04330-000 011 ET 765-04331-000 011 ET 765-04332-000 011 ET 765-04333-000 011 ET 765-04334-000 011 ET 765-04334-100 011 ET 765-04335-000 011 ET 765-04336-000 011 ET 765-04337-000 011 RI 765-04338-000 011 RV 765-04339-000 011 RI 765-04340-000 011 RI 765-04341-000 011 RI 765-04342-000 011 RI 765-04343-000 011 RI 765-04344-000 011 CI Total Appraised 10,000 68,250 54,000 67,950 26,250 98,900 31,250 66,850 33,750 324,750 34,250 131,300 112,800 66,100 18,550 110,750 83,600 44,050 73,250 43,450 10,500 22,250 36,250 37,500 33,850 72,950 26,250 10,300 23,600 98,250 165,500 157,400 61,100 173,900 167,650 149,050 240,250 113,200 499,050 342,150 97,850 40,350 52,200 58,300 0 23,400 0 0 0 0 0 0 0 0 0 0 152,350 20,650 99,700 93,650 133500 186,100 70,200 53,750 tal Assessed 1,408 7,424 6,499 10,013 5,250 15,473 2,603 8,309 4,752 64,146 5,445 18,733 16,574 6,195 3,663 8,900 9,708 6,119 12,474 6,363 1,485 2,922 6,450 4,936 5,048 10,221 4,147 1,496 4,276 19,437 23,568 18,559 8,910 34,780 24,518 21,411 46,689 22,418 60,117 65,670 16,632 6,765 6,428 7,309 0 2,860 0 0 0 0 0 0 0 0 0 0 19,625 2,640 14,300 10,642 20,270 22,803 14,040 10,750 1/29/2005 Parcel ID T 'istrict Type 765-04345-000 11 RI 765-04346-000 011 ET 765-04347-000 011 RI 765-04348-000 011 RI 765-04349-000 011 RI 765-04350-000 011 CI 765-04350-001 011 Cl 765-04351-000 011 ET 765-04352-000 011 ET 765-04353-000 011 ET 765-04354-000 011 ET 765-04355-000 011 RI 765-04356-000 011 RI 765-04357-000 011 CR 765-04357-100 011 EX 765-04358-000 011 CI 765-04359-000 011 CI 765-04360-000 011 CI 765-04361-000 011 CI 765-04362-000 011 CI 765-04362-001 011 EX 765-04363-000 011 CM 765-04363-001 011 EX 765-04364-000 011 CI 765-04365-000 011 CI 765-04366-000 011 CI 765-04367-000 011 CI 765-04368-000 011 CI 765-04369-000 011 CI 765-04370-000 011 CI 765-04371-000 011 CI 765-04372-000 011 CI 765-04373-000 011 CI 765-04374-000 011 CM 765-04375-000 011 CI 765-04376-000 011 CI 765-04376-000 011 CI 765-04378-000 011 VP 765-04378-001 011 CI 765-04379-000 011 CI 765-04380-000 011 ET 765-04381-000 011 ET 765-04382-000 011 ET 765-04384-000 011 ET 765-04385-000 011 ET 765-04388-000 011 ET 765-04389-000 011 ET 765-04390-000 011 ET 765-04391-000 011 Cl 765-04392-000 011 RI 765-04393-000 011 RI 765-04394-000 011 RI 765-04395-000 011 RI 765-04396-000 011 RI 765-04397-000 011 CV 765-04398-000 011 CI 765-04399-000 011 CI 765-04400-000 011 CI 765-04401-000 011 CI 765-04402-000 011 CI 765-04403-000 011 RI 765-04404-000 011 RI 765-04405-000 011 RI 765-04406-000 011 CR Total Appraised 30,150 0 58,300 68,550 78,250 301,850 223,400 0 0 0 0 55,250 56,650 119,750 0 54,000 81,350 70,350 1,072,400 393,700 0 168,900 0 1225,100 265,350 85,550 110,200 97,650 242,500 257,850 134,500 152,400 247,550 106,450 830,250 255,000 255,000 0 280,300 510,150 0 0 0 0 0 0 0 0 341,500 58,400 57,650 114,450 83,800 97,550 54,000 926,000 547,650 167,600 304,650 210,850 78,100 41,400 85,550 84,500 Total Assessed W 4,114 0 10,410 10,054 11,682 50,736 39,556 0 0 0 0 7,465 7,679 14,915 0 10,800 14,377 12,033 185,001 64,625 0 5,420 0 177,117 42,400 11,703 9,626 11,005 39,039 26,183 18,805 20,878 22,542 16,145 105,770 37,336 37,336 0 43,618 57,537 0 0 0 0 0 0 0 0 68,300 8,525 9,648 14,297 10,534 15,021 9,900 185,200 93,093 20,578 26,984 19,133 14,626 8,280 12,793 14,784 1/29/2005 Parcel ID T istrict Type 765-04407-000 11 RI 765-04408-000 011 RI 765-04409-000 011 CR 765-04410-000 011 RI 765-04411-000 011 RI 765-04412-000 011 RI 765-04413-000 011 RI 765-04414-000 011 RI 765-04415-000 011 RI 765-04416-000 011 RI 765-04417-000 011 RI 765-04418-000 011 RI 765-04419-000 011 RI 765-04421-000 011 RI 765-04424-000 011 RM 765-04427-000 011 RI 765-04428-000 011 RI 765-04430-000 011 RI 765-04431-000 011 CV 765-04432-000 011 RI 765-04433-000 011 CM 765-04434-000 011 CI 765-04435-000 011 EX 765-04436-000 011 EX 765-04437-000 011 EX 765-04438-000 011 RI 765-04439-000 011 EX 765-04440-000 011 EX 765-04441-000 011 EX 765-04442-000 011 CM 765-04443-000 011 CI 765-04444-000 011 EX 765-04445-000 011 EX 765-04446-000 011 EX 765-04447-000 011 EX 765-04448-000 011 EX 765-04449-000 011 CI 765-04450-000 011 CI 765-04451-000 011 EX 765-04452-000 011 CI 765-04453-000 011 EX 765-04454-000 011 EX 765-04455-000 011 EX 765-04456-000 011 EX 765-04457-000 011 EX 765-04458-000 011 EX 765-04459-000 011 EX 765-04461-000 011 EX 765-04462-000 011 EX 765-04463-000 011 EX 765-04464-000 011 EX 765-04465-000 011 EX 765-04466-000 011 EX 765-04467-000 011 EX 765-04513-000 011 RI 765-04514-000 011 RI 765-04515-000 011 RI 765-04516-000 011 RI 765-04517-000 011 CI 765-04518-000 011 CV 765-05441-000 011 CI 765-05441-001 011 EX 765-05442-000 011 RI 765-05442-001 011 RV Total Appraised 43,250 59,100 145,100 88,300 69,150 119,400 86,650 75,350 120,200 129,400 112,100 129,100 99,700 194,050 25,950 52,600 53,750 54,150 100,000 388,550 45,100 643,250 0 0 0 143,700 0 0 0 207,100 2,092,250 0 0 0 0 0 134,350 334,600 0 261,200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 96,900 88,150 99,250 97,050 782,150 165,250 1,300,650 0 69,500 26,400 Total Assessed vw 8,650 9,109 18,620 10,455 11,087 23,880 9,298 15,070 14,012 16,881 16,228 13,490 9,596 28,820 5,190 5,639 6,364 6,964 14,300 39,674 9,020 104,621 0 0 0 22,583 0 0 0 41,420 274,283 0 0 0 0 0 26,345 64,162 0 44,602 0 0 0 0 0 0 0 0 0 0 0 0 0 0 14,144 15,279 17,003 14,359 136,798 12,584 159,654 0 13,288 4,543 1/29/2005 10 Parcel ID T istrict Type Total Appraised Total Assessed 765-05443-000 11 RV 14,400 2,475 765-05444-000 011 RI 56,700 10,780 765-05445-000 011 RI 55,750 10,582 765-05446-000 011 EX 0 0 765-05447-000 011 CV 273,950 23,298 765-05448-000 011 CI 230,650 46,130 765-05448-001 011 EX 0 0 765-05449-000 011 CI 77,200 12,864 765-05450-000 011 EX 0 0 765-05451-000 011 CR 107,300 18,336 765-05452-000 011 RM 22,500 3,900 765-05453-000 011 RI 41,150 7,689 765-05454-000 011 CR 76,250 8,965 765-05455-000 011 EX 0 0 765-05456-000 011 CV 5,800 825 765-05457-000 011 EX 0 0 765-05458-000 011 CI 73,600 12,758 765-05459-000 011 EX 0 0 765-05460-000 011 EX 0 0 765-05461-000 011 EX 0 0 765-05462-000 011 RI 24,300 4,179 765-05462-001 011 CR 87,850 16,643 765-05463-000 011 RV 16,000 3,200 765-05465-000 011 CI 107,850 17,827 765-05466-000 011 EX 0 0 765-05467-000 011 EX 0 0 765-05468-000 011 CI 250,850 46,884 765-05469-000 011 RI 51,400 9,285 765-05470-000 011 RI 46,900 7,570 765-05471-000 011 RI 59,600 10,982 765-05472-000 011 RI 135,150 20,678 765-05473-000 011 RI 42,200 5,020 765-05474-000 011 RI 37,700 6,678 765-05475-000 011 RI 55,850 8,561 765-05476-000 011 RI 55,300 7,993 765-05477-000 011 RI 52,700 9,744 765-05478-000 011 RI 44,250 7,036 765-05479-000 011 CI 205,000 31,163 765-05481-000 011 CM 16,350 2,563 765-05482-000 011 RI 67,750 10,854 765-05483-000 011 RI 43,350 8,173 765-05484-000 011 RI 51,050 8,723 765-05485-000 011 RI 31,450 5,786 765-05486-000 011 RI 62,650 12,497 765-05487-000 011 CI 93,500 15,928 765-05492-001 011 EX 0 765-05498-000 011 EX 0 0 765-05499-000 011 EX 0 0 765-05500-000 011 EX 0 0 765-05501-000 011 CI 110,700 14,542 765-05501-001 011 EX 0 0 765-05502-000 011 CV 42,550 4,455 765-05504-000 011 ET 0 0 765-05505-000 011 EX 0 0 765-05506-001 011 EX 0 0 765-05506-002 011 EX 0 0 765-05507-000 011 IV 45,750 8,852 765-05508-000 011 CI 28,700 4,994 765-05509-000 011 II 418,350 80,553 765-05510-000 011 CI 103,350 16,541 765-05511-000 011 CI 83,300 16,613 765-05520-000 011 CI 74,500 11,561 765-05520-000 011 CI 74,500 11,561 765-05521-000 011 CI 120,050 19,524 1/29/2005 11 • Parcel ID Ta trict Type 765-05521-001 Dli EX 765-05522-000 011 IV 765-05523-000 011 II 765-05523-001 011 EX 765-05524-000 011 CI 765-05524-001 011 EX 765-05525-000 011 EX 765-05525-001 011 CV 765-05526-000 011 RI 765-05527-000 011 RI 765-05528-000 011 CI 765-05529-000 011 RI 765-05530-000 011 RI 765-05531-000 011 CI 765-05532-000 011 RI 765-05533-000 011 CI 765-05534-000 011 CV 765-05535-000 011 RI 765-05536-000 011 RV 765-05537-000 011 RV 765-05538-000 011 RI 765-05539-000 011 RV 765-05539-001 011 EX 765-05540-000 011 II 765-05541-000 011 CI 765-05541-001 011 EX 765-05572-010 011 CI 765-05573-000 011 ET 765-05574-000 011 ET 765-05575-000 011 ET 765-05576-000 011 ET 765-05577-000 011 ET 765-05578-000 011 RI 765-05579-000 011 ET 765-05580-000 011 ET 765-05581-000 011 ET 765-05582-000 011 ET 765-05583-000 011 ET 765-05584-000 011 RI 765-05585-000 011 ET 765-05586-000 011 ET 765-05587-000 011 ET 765-05588-000 011 ET 765-05589-000 011 ET 765-06024-000 011 RI 765-06025-000 011 CV 765-06026-000 011 RI 765-06027-000 011 CI 765-06028-000 011 RI 765-06029-000 011 RI 765-06030-000 011 RI 765-06031-000 011 RI 765-06032-000 011 RI 765-06033-000 011 RI 765-06034-000 011 RM 765-06035-000 011 RI 765-06036-000 011 CI 765-06037-000 011 EX 765-06038-000 011 EX 765-06039-000 011 RI 765-06040-000 011 CI 765-06380-000 011 RI 765-06381-000 011 RV 765-06382-000 011 RI Total ADoraised 0 36,550 366850 0 40,100 0 0 17,800 34,150 37,050 14550 54,450 31,700 69,850 42,150 253,600 15,000 37,200 15,200 25,600 42,100 6,400 0 72,850 42,950 0 338,350 0 0 0 0 0 59,850 0 0 0 0 0 60,600 0 0 0 0 0 124,450 52,850 218,500 748,650 80,800 64,500 254,000 271,650 347,150 92,700 24,600 125,200 185,400 0 0 329,900 291,100 62,100 12,600 49,850 tal Assessed 0 4,378 73,370 0 5764 0 0 2,640 6,314 6875 2,910 9938 5,660 13,970 6,291 45,912 2,233 6,897 2,618 2,860 7,493 1,100 0 13,274 5,205 0 58,344 0 0 0 0 0 9,416 0 0 0 0 0 9,395 0 0 0 0 0 22,825 9,009 41,635 147,180 12,999 11,968 48,710 51,939 54,271 17,910 3,818 23,892 28,328 0 0 41,400 49,478 11,571 1,683 9,515 1/29/2005 12 Parcel ID T istrict Type 765-07060-000 011 CI 765-07061-000 011 RI 765-07062-000 011 RI 765-07063-000 011 RI 765-07064-000 011 RV 765-07065-000 011 RI 765-07066-000 011 RI 765-07067-000 011 RV 765-07068-000 011 RV 765-07069-000 011 RI 765-07070-000 011 RI 765-07087-000 011 CI 765-07088-000 011 CI 765-07089-000 011 RM 765-07090-000 011 RI 765-07091-000 011 RI 765-07092-000 011 RI 765-07093-000 011 RI 765-07094-000 011 RI 765-07095-000 011 RI 765-07096-000 011 RV 765-07097-000 011 RI 765-07098-000 011 RI 765-07099-000 011 RI 765-07100-000 011 RI 765-07123-000 011 RI 765-07124-000 011 RI 765-07125-000 011 CV 765-07126-000 011 EX 765-07128-000 011 RI 765-07129-000 011 RI 765-07130-000 011 RV 765-07131-000 011 RI 765-07969-000 011 RI 765-07972-000 011 RI 765-07973-000 011 CI 765-07975-000 011 CI 765-07976-000 011 CI 765-07978-000 011 CR 765-07979-000 011 CI 765-07980-000 011 CI 765-07984-000 011 RI 765-07987-000 011 CI 765-07988-000 011 EX 765-08077-000 011 CI 765-08078-000 011 PS 765-08082-000 011 CV 765-08083-000 011 CI 765-08084-000 011 CV 765-08088-000 011 CV 765-08089-000 011 EX 765-08239-000 011 RI 765-08240-000 011 RI 765-08241-000 011 RV 765-08242-000 011 RI 765-08243-000 011 RI 765-08245-000 011 EX 765-08247-000 011 EX 765-08248-000 011 CI 765-08249-000 011 RI 765-08249-001 011 CV 765-08250-000 011 RI 765-08539-000 011 RI 765-08540-000 011 RI Total Aooraised 69,850 20,650 86,900 33,150 15,000 45,150 33,700 10,500 10,500 40,900 32,750 267,550 116,550 14,250 36,400 66,450 50,400 41000 57,450 29,500 100 41,800 37,450 49,500 57,700 72,450 50,500 10,500 0 13,250 59,000 18,750 56,500 107,250 110,350 187,850 308,200 100,350 205,000 246,350 163,250 111,250 1,007,700 0 2,059,200 30,400 92,450 525,300 77,050 16,900 0 54,850 60,100 8,750 64,000 82,900 0 0 189,500 106,300 18,900 55,000 691,000 635,000 Total Assessed 11,826 2,898 12,396 5,577 1,760 5,218 5,302 1,232 1,232 6,886 5,005 43,987 22,156 1,749 4,950 9,195 6,835 4,460 9,639 3,861 20 6,842 5,657 6,992 8,036 6,100 8,492 1,650 0 2,650 7,770 2,200 7,030 18,260 17,241 37,445 55,873 20,070 38,685 47,539 31,635 19,360 196,118 0 411,840 6080 10,824 92398 9,020 1,130 0 9,174 8,565 1,375 8,633 11568 0 0 37,900 13,388 2,970 5,941 80,600 78,741 1/29/2005 13 Parcel ID Ta strict Type 765-08541-000 11 RI 765-08542-000 011 RI 765-08543-000 011 RI 765-08544-000 011 RI 765-08545-000 011 RV 765-08546-000 011 RI 765-08547-000 011 RI 765-08548-000 011 RI 765-08549-000 011 RI 765-08550-000 011 RI 765-08551-000 011 RI 765-08552-000 011 RI 765-08553-000 011 RV 765-08554-000 011 RI 765-08555-000 011 RI 765-08556-000 011 RI 765-09759-000 011 EX 765-09760-000 011 EX 765-09761-000 011 EX 765-09762-000 011 EX 765-09763-000 011 CR 765-09764-000 011 RV 765-09765-000 011 RV 765-09766-000 011 PS 765-09767-000 011 EX 765-09768-000 011 EX 765-09769-000 011 EX 765-09770-000 011 EX 765-09914-000 011 CI 765-09915-000 011 CI 765-09917-000 011 CI 765-09918-000 011 ET 765-09919-000 011 EX 765-09920-000 011 CI 765-09921-000 011 RI 765-09922-000 011 RI 765-09923-000 011 RV 765-09924-000 011 RV 765-09925-000 011 EX 765-09926-000 011 EX 765-11664-000 011 RI 765-11723-000 011 EX 765-11724-000 011 EX 765-11724-001 011 EX 765-11731-000 011 EX 765-11731-001 011 CM 765-11731-010 011 EX 765-11917-000 011 RI 765-11918-000 011 RI 765-11919-000 011 CR 765-11920-000 011 RI 765-11921-000 011 RI 765-11922-000 011 RI 765-11923-000 011 RI 765-11924-000 011 RI 765-11925-000 011 RI 765-11926-000 011 RI 765-11927-000 011 RI 765-11928-000 011 RI 765-11929-000 011 RI 765-11930-000 011 RI 765-11931-000 011 RI 765-11932-000 011 RI 765-11933-000 011 RI Total ADoraised 481,500 357,000 376,600 749,700 52,500 263,600 354,950 122,700 218,450 315,100 299,450 113,250 100,000 120,550 109,100 298,350 0 0 0 0 126,450 27,500 27,500 1,500 0 0 0 0 357,650 406,650 318,100 0 0 767,550 169,950 127,150 22,000 22,000 0 0 139,450 0 0 0 0 60,200 0 151,850 387,650 74,250 107,750 70,250 52,300 82,050 60,550 77,250 67,750 100,300 94,300 61,550 61,500 74,600 77,300 122,800 otal Assessed 60,091 44,459 54,926 93,626 3,432 28,432 37,040 14,443 32,604 36,124 36,261 11,101 5,577 13,542 12,037 34,172 0 0 0 0 25,290 3,300 3,300 300 0 0 0 0 54,726 59,000 51,022 0 0 99,843 30,308 24,588 3,300 3,300 0 0 14,041 0 0 0 0 10,353 0 20,455 77,530 12,935 19,763 9,650 8,505 16,410 10,362 11,579 11,364 16,491 17951 12,310 10,141 13,101 11,410 20,108 1/29/2005 14 • Parcel ID Ta trict Type 765-11934-000 Dli RI 765-11935-000 011 RI 765-11936-000 011 RI 765-12671-000 011 ET 765-12672-000 011 CI 765-12673-000 011 CI 765-12674-000 011 RI 765-12675-000 011 CM 765-12676-000 011 RI 765-12681-000 011 ET 765-12682-000 011 ET 765-12684-000 011 EX 765-12686-000 011 CI 765-12687-000 011 RV 765-12688-000 011 RI 765-12689-000 011 EX 765-12689-001 011 RV 765-12691-000 011 EX 765-12709-000 011 ET 765-12710-001 011 CI 765-12710-002 011 CI 765-12710-003 011 CI 765-12710-004 011 CI 765-12710-005 011 CI 765-12710-006 011 CI 765-12710-007 011 Cl 765-12710-009 011 CI 765-12710-010 011 CI 765-12710-011 011 CI 765-12711-000 011 ET 765-12712-000 011 ET 765-12713-000 011 ET 765-12714-000 011 ET 765-12715-000 011 CI 765-12716-000 011 EX 765-12718-000 011 CV 765-12720-000 011 CV 765-12721-000 011 CV 765-12722-000 011 CM 765-12764-000 011 EX 765-12764-001 011 CI 765-12764-002 011 CI 765-12765-000 011 RV 765-12766-000 011 RV 765-12767-000 011 RV 765-12768-000 011 RV 765-12781-000 011 CR 765-12782-000 011 CI 765-12783-000 011 CM 765-12785-000 011 CI 765-12789-000 011 CV 765-12791-000 011 CM 765-12792-000 011 RI 765-12793-000 011 RI 765-12794-000 011 RV 765-12795-000 011 RV 765-12796-000 011 RV 765-12797-000 011 RI 765-12811-000 011 RI 765-12867-000 011 CV 765-12868-000 011 CI 765-12868-001 011 CI 765-12869-000 011 RI 765-12870-000 011 RI Total Appraised 81,550 90,850 86,150 0 133,600 266,600 71,350 27,500 98,350 0 0 0 493,100 23,000 128,350 0 1,000 0 0 320,142 194,534 146,175 170,293 199,308 68,680 26,076 65,008 22,648 11,386 0 0 0 0 1,724,950 0 12,800 19,200 14,700 26,000 0 307,800 436,250 14,400 14,400 16,000 16,000 49,900 74,150 17,150 467,700 28,350 36,150 111,600 47,650 19,200 13,600 8,000 58,000 24,800 150,000 675,500 216,250 114,250 110,350 tal Assessed 14,973 10,774 13,924 0 26,068 50,850 12,455 5,500 18,150 0 0 0 94,373 3,575 14,286 0 200 0 0 50,912 30,943 23,243 27,080 31,702 10,929 4,145 10,340 3,603 1,815 0 0 0 0 247,592 0 1,188 1,782 1,364 2,552 0 25,454 80,680 2,288 2,288 2,574 2,574 8,723 11,268 2,013 88,717 4,455 5,786 21,043 8,148 3,300 2,145 1,375 8,050 4,290 18,036 83,484 27,196 15,909 14,863 1/29/2005 15 Parcel ID Ta strict Type 765-12871-000 V11 CI 765-12872-000 011 CI 765-12873-000 011 Cl 765-12874-000 011 CI 765-12875-000 011 CM 765-12875-001 011 CB 765-12875-002 011 CB 765-12875-003 011 EX 765-12875-004 011 CB 765-12875-010 011 PS 765-12876-000 011 CV 765-12877-000 011 Cl 765-12878-000 011 EX 765-12879-000 011 RI 765-12880-000 011 RI 765-12881-000 011 EX 765-12882-000 011 RI 765-12883-000 011 RI 765-12884-000 011 RV 765-12885-000 011 RI 765-12886-000 011 EX 765-12888-000 011 RI 765-12889-000 011 RI 765-12890-000 011 PS 765-12893-000 011 PS 765-12894-000 011 CI 765-12899-000 011 CV 765-12900-000 011 RI 765-12901-000 011 CV 765-12904-000 011 CI 765-12905-000 011 CI 765-12906-000 011 CM 765-12907-000 011 Cl 765-12908-000 011 CI 765-12932-000 011 PS 765-12932-001 011 CI 765-12933-000 011 EX 765-12934-000 011 CI 765-12935-000 011 CV 765-12944-000 011 CI 765-12945-000 011 RI 765-12946-000 011 CR 765-12954-000 011 CI 765-12957-000 011 RI 765-12958-000 011 RI 765-12959-000 011 RI 765-12960-000 011 RI 765-12961-000 011 CI 765-12962-000 011 RI 765-13020-000 011 CI 765-13020-001 011 EX 765-17377-000 011 EX 765-20935-010 011 CI 765-20935-020 011 CI 765-22032-000 011 RI 765-22033-000 011 RI 765-22034-000 011 RI 765-22035-000 011 RI 765-22036-000 011 CI 765-22037-000 011 CI 765-22038-000 011 CI 765-22039-000 011 CI 765-22040-000 011 CI 765-22041-000 011 CI Total ADDraised 132,150 89,300 93,450 122,050 76,950 42,550 9,100 0 187,950 0 117,900 82,050 0 87,750 109,900 0 216,750 139,300 22,000 281,300 0 86,150 130,550 0 0 524,350 142,000 174,000 50,000 776,450 636,600 259,900 333,000 337,850 940,650 585,650 0 190,650 46,550 224,950 69,600 680,400 238,550 50,000 91,600 60,850 52,450 221,500 46,500 44,300 0 0 1,436, 854 371,646 420,119 359,032 384,607 465,242 315,192 145,374 859,361 293,367 252,856 304,296 otal Assessed 18,994 12,141 12,012 15,315 11,782 8,510 1,820 0 36,113 0 13,599 9,209 0 12,799 18,090 0 33,176 15,094 3,520 46,404 0 11,197 23,109 0 0 49,464 8,237 20,778 2,959 74,474 102,828 37,166 42,843 37,199 188,130 74,143 0 29,172 8,536 33,173 7,645 109,340 45,934 6,035 14,421 5,750 7,136 44,300 6,793 5,749 0 0 273,665 70,528 78,887 64,170 72,188 93,048 49,280 24,640 141,680 49,280 43,120 60,819 1/29/2005 16 • Parcel ID Ta trict Type 765-22042-000 1 CI 765-22043-000 011 CI 765-22044-000 011 CI 765-22045-000 011 CI 765-22046-000 011 CI 765-22047-000 011 CI 765-22048-000 011 CI 765-22049-000 011 CI 765-22050-000 011 RI 765-22051-000 011 RI 765-22052-000 011 RI 765-22053-000 011 RI 765-22054-000 011 RI 765-22055-000 011 RI 765-22056-000 011 RI 765-22057-000 011 RI 765-22058-000 011 RI 765-22059-000 011 RI 765-22060-000 011 RI 765-22061-000 011 RI 765-22062-000 011 CI 765-22063-000 011 CI 765-22064-000 011 CI 765-22065-000 011 CI 765-22066-000 011 CI 765-22067-000 011 CI 765-22068-000 011 CI 765-22367-000 011 RI 765-22368-000 011 RI 765-22369-000 011 RI 765-22370-000 011 RI 765-22371-000 011 RI 765-22372-000 011 RI 765-22373-000 011 RI 765-22374-000 011 RI 765-22375-000 011 RI 765-22376-000 011 RI 765-22377-000 011 RI 765-22378-000 011 RI 765-22379-000 011 RI 765-22380-000 011 RI 765-22381-000 011 CI 765-22382-000 011 CI 765-22383-000 011 CI 765-22384-000 011 CI 765-22536-000 011 CI 765-22537-000 011 CI 765-22538-000 011 CI 765-22539-000 011 CI 765-22540-000 011 RI 765-22541-000 011 RI 765-22542-000 011 RI 765-22543-000 011 RI 765-22544-000 011 RI 765-22545-000 011 RI 765-22546-000 011 CI 765-22547-000 011 CI 765-22548-000 011 CI 765-22549-000 011 CI 765-22550-000 011 CI 765-22551-000 011 CI 765-22552-000 011 CI 765-22553-000 011 CI 765-22554-000 011 CI Total AoDraised 616,394 366,715 312,098 397,925 827,060 795,850 226,271 210,666 148,247 124,839 124,839 132,642 132,642 288,691 202,864 413,530 234,074 163,851 163,851 273,086 109,234 444,740 249,678 187,259 117,037 117,037 117,037 206,100 208,950 208,350 224,450 209,950 225,400 208,350 225,050 209,950 225,050 208,350 224,050 308,300 322,800 206,200 135,050 963,750 0 339,500 394,850 457,600 476,000 239,850 228,800 184,500 114,400 114,400 147,650 553,550 439,150 0 97,400 97,400 97,400 97,400 97,400 97,400 tal Assessed 123,200 73,293 62,381 79,552 165,319 159,093 45,221 42,119 29,645 24,959 23,825 26,521 26,521 57,695 40,557 82,676 46,783 32,747 32,747 52,112 21,824 88,902 49,907 37,433 23,397 23,397 23,397 40,370 40,370 38,535 44,000 40,370 44,000 40,370 42,000 40,370 44,000 38,535 44,000 60,500 59,850 41,240 27,010 192,750 0 67,900 78,970 91,520 95,200 47,970 45,760 36,900 22,880 22,880 29,530 110,710 87,830 0 9,009 9,009 9,009 9,009 9,009 9,009 1/29/2005 17 Parcel ID Ta trict Type 765-22555-000 1 CI 765-22556-000 011 CI 765-22557-000 011 CI 765-22558-000 011 CI 765-22559-000 011 CI 765-22560-000 011 CI 765-22561-000 011 CI 765-22562-000 011 CI 765-22563-000 011 CI 765-22564-000 011 Cl 765-22565-000 011 CI 765-22566-000 011 CI 765-23362-000 011 RI 765-23363-000 011 RI 765-23364-000 011 RI 765-23365-000 011 RI 765-23366-000 011 RI 765-23367-000 011 RI 765-23368-000 011 CI 765-23413-000 011 RI 765-23414-000 011 RI 765-23415-000 011 RI 765-23416-000 011 RI 765-23417-000 011 RI 765-23418-000 011 RI 765-23419-000 011 CR Total ADoraised 97,400 97,400 97,400 97,400 97,400 97,400 97,400 97,400 0 274,147 273,053 0 234,000 214,600 225,900 306,600 337,250 321,650 0 85,450 65,100 76,900 134,950 81,700 303,700 0 191,120,753 191,120,753 tal Assessed 9,009 9,009 9,009 9,009 9,009 9,009 9,009 9,009 0 50,204 49,995 0 46,800 42,920 45,180 61,320 67,450 64,330 0 17,090 13,020 15,380 26,990 16,340 60,740 0 31,446,555 31,446,555 1/29/2005 18 E BOND PURCHASE AGREEMENT March 15, 2005 City of Fayetteville City Administration Building 113 West Mountain Fayetteville, Arkansas 72701 KUTAK ROCK LLP DRAFT 03/15/05 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 Ladies and Gentlemen: On the basis of the representations, warranties and agreements and upon the terms and conditions contained herein, the undersigned, Crews & Associates, 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 March 15, 2005. 1. General. Upon the terns and conditions and in reliance upon the City's 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 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"), at the purchase price (the "Purchase Price") of $3,576,000.00 (equal to the par amount of the Bonds less underwriter's discount of $149,000.00). The Bonds shall be issued by the City pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 to the Constitution and Arkansas Code Annotated (2003 Supp.) §§14-168-301 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 the Tax Increment (as defined below) of the City's Highway 71 East Square Redevelopment District No. I (the "District") authorized under the Act, and (2) moneys on deposit in the Revenue Fund, Bond Fund, Project Fund and Redemption Fund established by a Trust Indenture to be dated as of April 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, Fayetteville, Arkansas, as trustee (the "Trustee"), all as more particularly described in the 10-106556.1 0 Indenture. The Tax Increment has the meaning set forth in the Act and is determined by multiplying the incremental increase in value of the real property within the District following its creation by the maximum applicable ad valorem rate permitted pursuant to the Act. The Bonds shall be issued and secured pursuant to Ordinance No. of the City Council of the City which was adopted on March 15, 2005 (the "Authorizing Ordinance"), and pursuant to the Indenture. The Bonds shall be issued in $5,000 denominations and integral multiples of $5,000 in excess thereof, shall mature on August 1, 2029 and shall bear interest at the rate of 6.50% per annum. Interest on the Bonds will accrete, compounded semiannually, as shown on 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 (i) to pay the costs of the 2005 Project (as defined in the Indenture), and (ii) to pay the costs of issuance of the Bonds. 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. 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 appendices thereto, dated March 11, 2005, 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 March 15, 2005, 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 2 10-106556.1 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 2005 Project. (b) The City has the full legal right, power and authority (i) to adopt Ordinance Nos. 4608 and 4662 creating the District (collectively, the "Creation Ordinances"), (ii) to adopt Ordinance Nos. 4646, 4663 and _ approving the project plan for the District (collectively, the "Project Plan Ordinances"), (iii) to adopt the Authorizing Ordinance authorizing the issuance of and sale of the Bonds, (iv) to enter into this Bond Purchase Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (v) to issue, sell and deliver the Bonds to the Underwriter as provided herein, (vi) to pledge irrevocably the receipts of the Tax Increment 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. (c) The City has duly authorized (i) the execution and delivery of the Bonds and the execution, delivery and due performance of this Bond Purchase Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (ii) the distribution and use of the Preliminary Official Statement and the execution, delivery and distribution of the final Official Statement, and (iii) 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 Creating Ordinances, the Project Plan Ordinances and the Authorizing Ordinance have been duly adopted by City Council 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 Continuing Disclosure Agreement and the Tax 3 10-106556.1 Regulatory Agreement, when executed and delivered, will constitute legal, valid and binding obligations of the City, and this Bond Purchase Agreement, the Indenture, 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 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, the Creating Ordinances or the Project Plan Ordinances, the execution and delivery of this Bond Purchase Agreement, the Bonds, the Indenture, 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 4 10-106556.1 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 Creating Ordinances, the Project Plan Ordinances, the Bonds, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement have been obtained. (j) 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 or the pledge of the Tax Increment, 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 Creating Ordinances, the Project Plan Ordinances, the Bonds, the Indenture, 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. (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 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 10-106556.1 CI 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, Tax Increment receipts, and the current financial condition and valuation of property within the District, all as the Underwriter may reasonably request. 6. Closing. At 10:00 a.m. Little Rock time on April 19, 2005, 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 Fayetteville, Fayetteville, Arkansas, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 instruments as described in Section 8 of this Bond Purchase Agreement shall occur in the offices of Kutak Rock LLP, 425 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 6 10-106556.1 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, 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 7 10-106556.1 (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) there shall have been legislation enacted by the General Assembly of the State of Arkansas or there shall have been a decision rendered by a court of competent jurisdiction in the State of Arkansas that has, in the reasonable judgment of the Underwriter, the effect of reducing the amount of the Tax Increment available to secure the Bonds; or (xii) 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. 8. 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 forms approved by the City in the Indenture with only such changes therein as the 10-106556.1 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 Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, 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 or the Tax Increment shall have occurred, nor shall any development involving a prospective and material adverse change in, or affecting the business, financial condition, results of operations, prospects or properties of the District or the City have occurred; (c) Receipt of fully executed originals of the Indenture, 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 Underwriter 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, the Creating Ordinances and the Project Plan Ordinances and all other ordinances and resolutions of the City relating to the Bonds; (5) Photocopies of the Bonds as executed and delivered; (6) 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, the Creating Ordinances and the Project Plan Ordinances by all action necessary under the Act and the laws and Constitution of the State of Arkansas, including Amendment 78, and has duly authorized the execution, delivery and due performance of the Bonds, the Indenture, the Continuing Disclosure 9 10-106556.1 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 Increment, the Official Statement, the Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, the Indenture, the Continuing Disclosure Agreement, the Tax Regulatory Agreement, or this Bond Purchase Agreement; (iv) the Bonds, the Indenture, 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) none of the Authorizing Ordinance, the Creating Ordinances nor the Project Plan Ordinances have been amended, modified or repealed as of the Closing Date, and the Authorizing Ordinance, the Creating Ordinances and the Project Plan Ordinances 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, 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 issue the Bonds for the purposes stated in the Act and to enter into this Bond Purchase Agreement, to adopt the Authorizing Ordinance, the Creating Ordinances and the Project Plan Ordinances, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 signing the certificate, no event affecting the City or the Tax Increment 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; (7) 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, the Creating Ordinances and the Project Plan Ordinances, to execute and deliver the Bonds, the Indenture, 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, the Creating Ordinances and the Project Plan Ordinances 10 10-106556.1 have been duly adopted by the City by all action necessary under the Act and the laws and Constitution of the State of Arkansas, and remain in full force and effect; (iv) the Indenture, 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 PROJECT," "THE CITY AND THE DISTRICT" 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 Increment, the Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 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; (8) Evidence that Federal Form 8038-G has been executed by the City and is ready for filing with the Internal Revenue Service. (9) 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 11 10-106556.1 (10) 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 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 10-106556.1 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 Crews & Associates, Inc., First Security Center, 521 President Clinton Avenue, Suite 800, Little Rock, AR 72201, Attention: Mr. Robert Wright. 14. Nonassignability. 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 10-106556.1 0 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, TES, INC. By: Accepted and agreed to as of 9:00 p.m. on the date first above written: CITY OF F,WETTEVILLE, ARKANSAS By:_ Title: 14 10-106556.1 r C 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, CREWS & ASSOCIATES, INC. By: Authorized Representative TIME Accepted and agreed to as of the date first above written: CITY OF FAYETTEVILLE, ARKANSAS By: Title: Mayor 14 10-106556.1 LJ C EXHIBIT A ACCRETION SCHEDULE Date Accreted Value of a $5,000 Bond 4-19-05 $ 5,000.00 8-1-05 5,092.08 2-1-06 5,257.58 8-1-06 5,428.45 2-1-07 5,604.87 8-1-07 5,787.03 2-1-08 5,975.11 8-1-08 6,169.30 2-1-09 6,369.80 8-1-09 6,576.82 2-1-10 6,790.57 8-1-10 7,011.26 2-1-11 7,239.13 8-1-11 7,474.40 2-1-12 7,717.32 8-1-12 7,968.13 2-1-13 8,227.09 8-1-13 8,494.47 2-1-14 8,770.54 8-1-14 9,055.59 2-1-15 9,349.89 8-1-15 9,653.76 2-1-16 9,967.51 8-1-16 10,291.46 2-1-17 10,625.93 8-1-17 10,971.27 2-1-18 11, 327.84 8-1-18 11,695.99 2-1-19 12,076.11 8-1-19 12,468.59 2-1-20 12,873.81 8-1-20 13,292.21 2-1-21 13,724.21 8-1-21 14,170.25 2-1-22 14,630.78 8-1-22 15,106.28 2-1-23 15,597.23 8-1-23 16,104.15 2-1-24 16,627.33 10-106556.1 A -I Date Accreted Value of a $5,000 Bond 8-1-24 17,167.92 2-1-25 17,725.88 8-1-25 18,301.97 2-1-26 18,896.79 8-1-26 19,510.93 2-1-27 20,145.04 8-1-27 20,799.75 2-1-28 21,475.74 8-1-28 22,173.71 2-1-29 22,894.35 8-1-29 23,638.42 10-106556.1 A-2 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: April _, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas The Bank of Fayetteville, as Trustee Fayetteville, Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 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 $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 and Arkansas Code Annotated (Supp. 2003) §§14-168-301 et seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. of the City, duly adopted and approved on March _, 2005 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, 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 10-106556.1 B-1 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. 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, Amendment 78 and 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 receipts of the Tax Increment (as defined in the Indenture). 5. The Tax Increment receipts have been duly and validly assigned and pledged to the Trustee under the Indenture. 6. Interest on the Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Internal Revenue Code of 1986, as amended, that must be met subsequent to the issuance of the Bonds. Failure to comply with such requirements could cause interest on the Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Bonds. The City has covenanted to comply with such requirements. 7. The interest on the Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. 10-106556.1 B-2 L • 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, 10-106556.1 B-3 L EXHIBIT C PROPOSED FORM OF BOND COUNSEL SUPPLEMENTAL OPINION April _, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas The Bank of Fayetteville, as Trustee Fayetteville, Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 Eat Square Redevelopment District No. I Project) Series 2005 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 terns 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 March _ 2005 (the "Bond Purchase Agreement"), by and between the City and Crews & Associates, Inc., as underwriter (the "Underwriter"); (b) An executed counterpart of the Continuing Disclosure Agreement dated April _, 2005 (the "Disclosure Agreement"), by and between the City and The Bank of Fayetteville, as trustee (the "Trustee"); (c) An executed counterpart of the Tax Regulatory Agreement dated April 2005 (the "Tax Regulatory Agreement"), by and between the City and the _, Trustee; and 10-106556.1 C-1 (d) Portions of the Official Statement dated March _, 2005, with respect to the Bonds (the "Official Statement"), captioned "INTRODUCTORY STATEMENT," "THE SERIES 2005 BONDS," "SECURITY FOR THE BONDS,", "ESTIMATED SOURCES AND USES OF FUNDS," "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 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. 3. 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. 4. 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 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, 10-106556.1 C-2 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 REGISTERED No. R05-1 $3,725,000 UNITED STATES OF AMERICA STATE OF ARKANSAS CITY OF FAYETTEVILLE, ARKANSAS TAX INCREMENT INTEREST ACCRETION BOND (HIGHWAY 71 EAST SQUARE REDEVELOPMENT DISTRICT NO. 1 PROJECT) SERIES 2005 Interest Rate: 6.50% Maturity Date: August 1, 2029 Date of Bond: April 19, 2005 Registered Owner: CEDE & CO. Principal Amount: THREE MILLION SEVEN HUNDRED TWENTY-FIVE THOUSAND DOLLARS KNOW ALL MEN BY THESE PRESENTS: 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, hereby 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 the interest accreted thereon. This bond will accrete interest from the date of its issuance through maturity or earlier redemption at the Interest Rate per annum shown above, such interest to compound semiannually on February 1 and August 1 of each year, commencing on August 1, 2005, as set forth in Exhibit C to the Indenture identified and defined below. The Accreted Value (as defined in the Indenture) of this bond and any applicable redemption premium is payable in lawful money of the United States of America upon the presentation and surrender hereof at the principal corporate trust office of The Bank of Fayetteville, N.A., Fayetteville, Arkansas, or its successor or successors, as trustee (the "Trustee"). Notwithstanding the foregoing, so long as Cede & Co. or another nominee of The Depository Trust Company is the registered owner of this bond, payment of the Accreted Value hereof and any redemption premium shall be made by wire transfer of immediately available funds. 10-108529.1 This bond, designated "Tax Increment Interest Accretion Bond (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005", is one of a series of bonds aggregating Three Million Seven Hundred Twenty -Five Thousand Dollars ($3,725,000) (the "Series 2005 Bonds"). The Series 2005 Bonds are being issued for the purpose of financing the costs of acquiring certain real property within the District (as defined below) and demolishing existing structures thereon, and the construction of certain sidewalk and crosswalk improvements within the District (the "Project"), and paying the costs of issuance of the Series 2005 Bonds. The Series 2005 Bonds are issued under and are secured by and entitled to the protection of a Trust Indenture dated as of April 15, 2005 (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 Series 2005 Bonds, and the terms upon which the Series 2005 Bonds are issued and secured. The Series 2005 Bonds are issued pursuant to and in full compliance with the Constitution and laws of the State of Arkansas, including particularly Amendment No. 78 to the Constitution of Arkansas, as implemented by Act 1197 of 2001, codified as Arkansas Code Annotated (2003 Supp.) §§14-168-301 et seq. (as from time to time amended, the "Act"), and Ordinance No. 4684 of the City adopted March 15, 2005, which ordinance authorized the execution and delivery of the Indenture and the issuance of the Series 2005 Bonds. In accordance with the Act, the City has pledged all receipts from the ad valorem tax increment (as defined in the Act, the "Tax Increment") relating to its Highway 71 East Square Redevelopment District No. 1 in order to provide funds for the repayment of the Series 2005 Bonds. The pledge of the receipts of the Tax Increment presently secure payment of the Series 2005 Bonds only, but such Tax Increment receipts may additionally be pledged to secure the payment of Additional Bonds issued under the provisions of the Indenture. The Indenture provides that the City may hereafter issue Additional Bonds from time to time 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 2005 Bonds and be equally and ratably secured by and entitled to the protection of the Indenture. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by an irrevocable pledge of and lien on the Tax Increment receipts, as more particularly described in the Indenture. In no event shall the Series 2005 Bonds constitute an indebtedness of the City within the meaning of any constitutional or statutory limitation or a pledge of the faith and credit of the City. The holder of this Series 2005 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 2005 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 10-108529.1 2 with accrued or accreted 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 2005 Bonds shall be redeemed prior to maturity on any date, in whole or in part, by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, (i) from moneys in the Series 2005 Account of the Project Fund in excess of the amount needed to complete the Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of the real property originally acquired with the proceeds of the Series 2005 Bonds. The Series 2005 Bonds shall be redeemed prior to maturity on each February 1, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, to the extent of Tax Increment receipts deposited in the Series 2005 Account of the Redemption Fund. On a monthly basis, following any required transfers of Tax Increment receipts to satisfy deficiencies in the Rebate Fund and to pay Trustee fees and expenses, the remaining balance of such Tax Increment receipts shall be transferred to the various accounts of the Redemption Fund in proportion to the outstanding principal amounts of the related series of Bonds. On and after February 1, 2010, the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. Upon (i) the levy of additional millage by any taxing unit, which additional millage is included within the District's "applicable ad valorem rate" (as defined in the Act) or (ii) any determination that the Tax Increment is to be calculated by including any portion of the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas or any portion of the disputed 4.5 mills claimed as part of the "debt service ad valorem rate" (as defined in the Act) by the Fayetteville School District within the "applicable ad valorem rate," which determination is evidenced by (a) an opinion of the Arkansas Attorney General, (b) a decision by an Arkansas court of competent jurisdiction, (c) legislation enacted by the Arkansas General Assembly, or (d) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the principal amount of the Outstanding Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. In selecting Series 2005 Bonds for redemption prior to maturity, in the case any outstanding Series 2005 Bond is in a denomination greater than $5,000, each $5,000 of face value of such Series 2005 Bond shall be treated as a separate Series 2005 Bond of the denomination of $5,000. In the event any of the Series 2005 Bonds or portions 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 2005 Bond addressed to such registered owner at his registered address and placed in 10-108529.1 3 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 2005 Bond with respect to which no such failure or defect has occurred. Each notice shall identify the Series 2005 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 2005 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 2005 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 2005 Bonds are issuable as registered bonds without coupons in denominations of $5,000 and integrals of $5,000 in excess thereof. Subject to the limitations and upon payment of the charges provided in the Indenture, Series 2005 Bonds may be exchanged for a like aggregate principal amount of Series 2005 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 2005 Bonds or for any claim based thereon or upon any obligation, covenant or agreement contained in the Series 2005 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 2005 Bonds. This Series 2005 Bond is issued with the intent that the laws of the State of Arkansas will govern its construction. 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 2005 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 2005 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 2005 Bonds as the same become due and payable are expected to be sufficient in amount for that purpose. This Series 2005 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. 10-108529.1 (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. IDHDI:M07%] IN WITNESS WHEREOF, the City of Fayetteville, Arkansas has caused this Series 2005 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: ATTEST: (Form of Trustee's Certificate) TRUSTEE'S CERTIFICATE OF AUTHENTICATION This bond is one of the Series 2005 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 2005 Bonds. THE BANK OF FAYETTEVILLE, N.A., as Trustee 10-108529.1 V L PRELIMINARY OFFICIAL STATEMENT DATED MARCH 11, 2005 E N , .n 5 NEW ISSUE r �J ✓`^'�Q o i _� �M� ✓ `�`" � ��Wr , NOT RATED 8 BOOK -ENTRY ONLY on. y, ,. a, -1 —QS- re lations, i S C�lJ1 ss B F in the opinion of Kutak Rock LLP, Bond Counsel, under existing laws, regulations, rulings and judicial decisions a assuming the accuracy of certain representations and continuing compliance with certain covenants, interest on the Series 2005 Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. i 5 Under existing law, Bond Counsel is of the opinion that the Series 2005 Bonds and the interest thereon are exempt from allstate, county and municipal taxes in the Stale ofArkansas. See the caption "TAX MATTERS" herein. t2 U $3,735,000* `R 3t ? a , QO® �.dt 11aM,r e, o t CITY OF FA �r , ARKANSAS A o TAX INCREMENT INTEREST ACCRETION BONDS o (HIGHWAY 71 EAST END REDEVELOPMENT DISTRICT NO. I PROJECT) AL 01 I SERIES 2005 `� Dated: April 19, 2005 Due: August 1, 2029 T c The Tax Increment Interest Accretion Bonds (Highway 71 East End Redevelopment District No. I Project), Series 2005 (the "Series 2005 Bonds"), are being issued by the City of Fayetteville, Arkansas (the "City") for the purpose of (i) financing the costs of acquisition of certain real I N property within the City, the demolition of existing structures thereon, site preparation in connection therewith, and the construction of sidewalk .. and crosswalk improvements, and (ii) paying certain expenses in connection with the issuance of the Series 2005 Bonds. See the captions o g s "ESTIMATED SOURCES AND USES OF FUNDS" and "THE PROJECT" herein. N N N N The Series 2005 Bonds are issuable only as fully registered bonds and, when issued, will be registered in the name of Cede & Co., as F x nominee of The Depository Trust Company ("DTC"), New York, New York, to which principal, premium, if any, and interest payments on w the Series 2005 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2005 Bonds. Individual purchases of the 'o to Series 2005 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof. Individual purchasers ("Beneficial Owners") of Series 2005 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY _ SYSTEM" herein. In The Series 2005 Bonds shall accrete interest from their dated date at the rate of % per annum, compounded semiannually on each $' February I and August 1, commencing August 1, 2005, as shown on Appendix B hereto. Such interest shall be payable only upon maturity E v or earlier redemption of the Series 2005 Bonds. The principal of, premium, if any, and accreted interest on the Series 2005 Bonds shall be v L payable upon surrender of the Series 2005 Bonds at the principal corporate trust office of (the "Trustee"). So o y s long as DTC or its nominee is the registered owner of the Series 2005 Bonds, disbursement of such payments to DTC Participants is the to responsibility of DTC, and the disbursement of such payments to Beneficial Owners is the responsibility of DTC Participants or Indirect P ty P Y P ty P a Participants, as more fully described herein. 6O Pursuant to a Trust Indenture dated as of April 15, 2005 (the "Indenture"), between the City and the Trustee, the payment of the g 0 principal of, premium, if any, and interest on the Series 2005 Bonds is secured by a pledge of the incremental ad valorem tax receipts (the d _ n "Tax Increment") derived with respect to the real property within the City's Highway 71 East End Redevelopment District No. I (the 0 0.m "District"). See the caption "SECURITY FOR THE BONDS" herein. Assuming the satisfaction of a prescribed coverage test set forth in the o Indenture, the City has reserved the right to incur additional indebtedness to be secured by the Tax Increment on a parity basis with the Series " 2005 Bonds. See the caption "THE SERIES 2005 BONDS — Additional Bonds" herein. The Series 2005 Bonds are subject to optional and c a o � y mandatory redemption prior to maturity as more fully described herein under the caption "THE SERIES 2005 BONDS - Redemption." V q� 3 The Series 2005 Bonds are special obligations of the City secured by and payable solely from the Tax Increment and moneys in L the funds and accounts established under the Indenture. The Series 2005 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 2005 Bonds shall not directly, .5 o indirectly or contingently obligate the City to levy or pledge any taxes whatsoever or to make any appropriation for the payment of g —'o the Series 2005 Bonds, except as described herein with respect to the Tax Increment. . 3 The Series 2005 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 2005 Bonds will be available for delivery in New York, New York, on or about April 19, 2005. a � W A CPE L �4 d Crews&Associates Member Flrsl Secunlr Bancorp IF O 5 v 3 The date of this Official Statement is March , 2005. E E � c • Preliminary; subject to change. a FO '_, CITY OF FAYETTEVILLE, ARKANSAS Issuer City Council Dan Coody, Mayor Kyle Cook Robert Ferrell Lioneld Jordan Shirley Lucas Don Marr Robert Reynolds Robert Rhoads Brenda Thiel Steve Davis, Finance & Internal Services Director Sondra Smith, City Clerk Kit Williams, City Attorney , Arkansas Trustee and Paying Agent KUTAK ROCK LLP Little Rock, Arkansas Bond Counsel CREWS & ASSOCIATES, INC. Little Rock, Arkansas Underwriter No dealer, broker, salesman or other person has been authorized by the City or by Crews & Associates, 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 2005 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 2005 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 2005 BONDS AT A LEVEL ABOVE THAT WHICH MIGHT OTHERWISE PREVAIL IN THE OPEN MARKET. SUCH STABILIZING, IF COMMENCED, MAY BE DISCONTINUED AT ANY TIME. THIS OFFICIAL STATEMENT CONTAINS CERTAIN FORWARD -LOOKING STATEMENTS, INCLUDING PROJECTIONS OF REAL PROPERTY VALUES AND INCREMENTAL AD VALOREM TAX RECEIPTS ATTRIBUTABLE TO THE DISTRICT. POTENTIAL PURCHASERS ARE CAUTIONED THAT FORWARD -LOOKING STATEMENTS ARE NOT GUARANTEES AND THAT ACTUAL RESULTS MAY DIFFER MATERIALLY AND ADVERSELY FROM THOSE PROJECTED IN FORWARD -LOOKING STATEMENTS. TABLE OF CONTENTS Introductory Statement The Series 2005 Bonds Security for the Bonds ................................................ RiskFactors................................................................ Book -Entry Only System ............................................ TheProject.................................................................. Estimated Sources and Uses of Funds ........................ Projected Tax Increment and Mandatory Redemptions The City and the District ............................................. Definitions of Certain Terms ...................................... Summary of the Indenture .......................................... Summary of the Continuing Disclosure Agreement ... Underwriting............................................................... TaxMatters................................................................. LegalMatters.............................................................. Miscellaneous............................................................. Accuracy and Completeness of Official Statement .... Page 2 4 7 8 10 11 1 15 18 22 26 28 28 29 29 30 APPENDIX A - Form of Bond Counsel Opinion................................................................................................. A-1 APPENDIX B - Series 2005 Accretion Schedule................................................................................................. B -I APPENDIX C - Feasibility Study of District....................................................................................................... C-1 APPENDIXD - Map of District........................................................................................................................... D-1 PRELIMINARY OFFICIAL STATEMENT $3,735,000* CITY OF FAYETTEVILLE, ARKANSAS TAX INCREMENT INTEREST ACCRETION BONDS (HIGHWAY 71 EAST END REDEVELOPMENT DISTRICT NO. 1 PROJECT) SERIES 2005 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 Appendices hereto, is furnished in connection with the offering of Tax Increment Interest Accretion Bonds (Highway 71 East End Redevelopment District No. I Project), Series 2005, in the principal amount of $3,735,000• (the "Series 2005 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 Amendment 78 to the Constitution of the State ("Amendment 78") and Arkansas Code Annotated (2003 Supp.) §§14-168-301 et seq. (as from time to time amended, the "Act"), to form redevelopment districts and to issue and sell bonds for the purpose of financing projects to alleviate blight and encourage economic development within such districts. Pursuant to Ordinance No. 4608 of the City adopted August 17, 2004, as subsequently amended and supplemented, the City has created Highway 71 East End Redevelopment District No. I (the "District"). The Series 2005 Bonds are to be issued by the City pursuant to Amendment 78, the Act and Ordinance No. ____,adopted and approved on March , 2005 (the "Authorizing Ordinance"), for the purpose of (i) financing the costs of acquiring certain real property within the District, demolishing existing buildings thereon, site preparation in connection therewith, and certain sidewalk and crosswalk improvements throughout the District (the "Project"), and (ii) paying the costs of issuing the Series 2005 Bonds. See the captions "ESTIMATED SOURCES AND USES OF FUNDS" and 'THE PROJECT" herein. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by and payable solely from the moneys in the funds and accounts established under the Indenture (hereinafter defined) and from certain ad valorem tax receipts (the "Tax Increment") attributable to the increase in assessed value of real property within the District following its formation. See the captions "SECURITY FOR THE BONDS," "RISK FACTORS," "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" and "SUMMARY OF THE INDENTURE" herein. The faith and credit of the City are not pledged to the payment of the Series 2005 Bonds, and the Series 2005 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 2005 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 2005 Bonds, except as described herein with respect to the Tax Increment. Additional Bonds may be issued on a parity of security with the Series 2005 Bonds under certain circumstances set forth in the Indenture (hereinafter defined). The Series 2005 Bonds and any Additional Bonds are herein collectively referred to as the "Bonds." See the caption "THE SERIES 2005 BONDS - Additional Bonds" herein. The Series 2005 Bonds are subject to mandatory redemption (i) from excess moneys in the Project Fund following completion of the Project, (ii) from a portion of the proceeds realized upon the expected sale of the real property originally acquired with proceeds of the Series 2005 Bonds following completion of the Project, and (iii) from the Tax Increment. See the captions "THE SERIES 2005 BONDS — Redemption" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS." Preliminary; subject to change. Pursuant to the provisions of a Continuing Disclosure Agreement dated as of the date of delivery of the Series 2005 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 Increment 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 District, the Series 2005 Bonds, the Tax Increment, the Continuing Disclosure Agreement, and the Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and , Arkansas, as trustee (the "Trustee"), pursuant to which the Series 2005 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 document, and all references to the Series 2005 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 2005 Bond included therein, are available from the City by writing to the attention of the Finance and Internal Services Director, City of Fayetteville, City Administration Building, 113 West Mountain, Fayetteville, Arkansas 72701 and, during the initial offering period only, from the Underwriter, Crews & Associates, Inc., First Security Center, 521 President Clinton Avenue, Suite 800, Little Rock, Arkansas 72201. Certain financial and operating data have 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 2005 BONDS Description. The Series 2005 Bonds will be initially dated as of their date of delivery, and will accrete interest from such date at the rate of % per annum, compounded semiannually on each February 1 and August 1, commencing August 1, 2005. The Series 2005 Bonds will mature, unless sooner redeemed, on August 1, 2029. The Series 2005 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 2005 Bonds will be made so long as Cede & Co. is the registered owner of the Series 2005 Bonds. Individual purchases of the Series 2005 Bonds will be made only in book -entry form, in denominations of $5,000 or integral multiples thereof. Individual purchasers (`Beneficial Owners") of Series 2005 Bonds will not receive physical delivery of bond certificates. See the caption "BOOK -ENTRY ONLY SYSTEM" herein. The principal of, premium, if any, and accreted interest on the Series 2005 Bonds shall be payable upon surrender thereof 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 2005 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 2005 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. Principal and accreted interest will be payable only upon maturity or earlier redemption of the Series 2005 Bonds. Redemption. (1) The Series 2005 Bonds shall be redeemed prior to maturity on any date, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value (as defined under the caption "DEFINITIONS OF CERTAIN TERMS" herein) thereof as of the date of redemption, (i) from moneys in the Project Fund in excess of the amount needed to complete the Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of the real ,property originally acquired with the proceeds of the Series 2005 Bonds. While it is not expected that there will be any excess moneys in the Project Fund following completion of the Project, it is anticipated that the real property acquired with the proceeds of the Series 2005 Bonds will be conveyed by the City to a private developer for a price of $300,000 following completion of the demolition and site preparation components of the Project and upon satisfaction of certain other conditions set forth in the Redevelopment Agreement. See the caption "THE PROJECT" herein. (2) The Series 2005 Bonds shall be redeemed prior to maturity on each February 1, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, from the Tax Increment receipts on deposit with the Trustee following the use of such Tax Increment receipts as are necessary (i) to pay any arbitrage rebate due under Section 148(f) of the Internal Revenue Code of 1986, as amended (the "Code"), and (ii) to pay Trustee and Paying Agent fees and expenses. See the caption "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. (3) On and after February 1, 2010, the Series 2005 Bonds are subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. (4) Upon (i) the levy of additional millage by any taxing unit, which additional millage is included within the District's "applicable ad valorem rate" (as defined in the Act) or (ii) any determination that the Tax Increment is to be calculated by including any portion of the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas or any portion of the disputed 4.5 mills claimed as part of the "debt service ad valorem rate" (as defined in the Act) by the Fayetteville School District within the "applicable ad valorem rate," which determination is evidenced by (a) an opinion of the Arkansas Attorney General, (b) a decision by an Arkansas court of competent jurisdiction, (c) legislation enacted by the Arkansas General Assembly, or (d) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the then outstanding principal amount of the Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. See the caption "SECURITY FOR THE BONDS — Tax Increment Generally — Determination of Applicable Ad Valorem Rate" herein. Partial Redemption of the Series 2005 Bonds. If less than all of the Series 2005 Bonds are called for redemption, the particular Series 2005 Bonds or portions of Series 2005 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 2005 Bonds, the procedures established by DTC shall control with respect to the selection of the particular Series 2005 Bonds to be redeemed. Notice of Redemption. Notice of the call for any redemption, identifying the Series 2005 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 2005 Bonds, by any other means acceptable to DTC, including facsimile) to the registered owner of each such Series 2005 Bond addressed to such registered owner at his registered address and mailed 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 2005 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 any additional project with respect to the District permitted by the Act, (ii) refunding the Series 2005 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 2005 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 by the Indenture for the issuance of Bonds, plus an Accountant's certificate stating that, based upon necessary investigation, the Tax Increment receipts transferred to the Trustee for deposit to the Revenue Fund during the most recent twelve (12) months were not less than 150% of the average Annual Debt Service on all then Outstanding Bonds, plus the Additional Bonds then proposed to be issued. No Additional Bonds shall be issued unless there is no default at the time of issuance under the Indenture. Transfer or Exchange. The Series 2005 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 Series 2005 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 Series 2005 Bond or Bonds in the same aggregate principal amount and of any authorized denomination or denominations. Transfers of registration or exchanges of Series 2005 Bonds shall be without charge to the Holders of such Series 2005 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 Series 2005 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 Series 2005 Bond after the mailing of notice calling such Series 2005 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 2005 Bonds, transfers of beneficial interests in the Series 2005 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. SECURITY FOR THE BONDS General. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by and payable solely from the moneys in the funds and accounts established under the Indenture and from certain ad valorem tax receipts (the "Tax Increment") attributable to the increase in the assessed value of real property within the District following its formation. See the captions "RISK FACTORS," "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" and "SUMMARY OF THE INDENTURE" herein. The faith and credit of the City are not pledged to the payment of the Series 2005 Bonds, and the Series 2005 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 2005 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 2005 Bonds, except as described herein with respect to the Tax Increment. Tax Increment Generally. The Tax Increment has been pledged to secure the payment of debt service on the Series 2005 Bonds pursuant to Ordinance No. ___,duly adopted by the City Council of the City on March_, 2005 (the "Authorizing Ordinance"). Pursuant to the Act, the amount of the Tax Increment is to be calculated annually by multiplying the "incremental value" of the District by the "applicable ad valorem rate." The "incremental value" of a redevelopment district means the difference between (i) the assessed value of all real property within a district subject to taxation as of the most recent assessment of property value after the formation of such district (the "current value") and (ii) the assessed value of all real property within a district subject to taxation as of the most recent assessment of property value preceding formation of such district (the "base value"). The "applicable ad valorem rate" is the difference between (x) the total millage rate of all county, city, school or other local general property taxes levied on all taxable property within a redevelopment district in a year (the "total ad valorem rate") and (y) that portion of the total ad valorem rate pledged to the payment of debt service on bonds issued by any taxing unit in which all or any part of such redevelopment district is located and approved by the voters prior to January 1, 2001 (the "debt service ad valorem rate"). Determination of Incremental Value of District Real Property. The base value of the District real property has been certified by the Washington County Assessor as $31,446,555. Projections of growth in the assessed value of the real property within the District are set forth in the Feasibility Study of the Highway 71 East Square Redevelopment District No. I (the "Feasibility Study") prepared by the Center for Business and Economic Research of the Sam Walton College of Business at the University of Arkansas and attached hereto as Appendix C and under the caption "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. SUCH PROJECTIONS ARE BASED ON NUMEROUS FACTORS, SOME OF WHICH ARE DESCRIBED IN THE FEASIBILITY STUDY. THERE CAN BE NO ASSURANCE THAT ACTUAL GROWTH IN ASSESSED VALUE OF THE REAL PROPERTY WITHIN THE DISTRICT WILL APPROXIMATE SUCH PROJECTIONS. See the caption "RISK FACTORS" herein. Determination of Applicable Ad Valorem Rate. The Washington County Assessor has certified that the total ad valorem rate within the District is presently 51.86 mills broken down as follows: 44.2 mills for the Fayetteville School District (25.0 mills for maintenance and operations and 19.2 mills securing bond debt service); 5.86 mills for Washington County (4.75 mills for the general operations and 1.11 mills for the road fund); and 1.8 mills for the City of Fayetteville (1.0 mills for the Fayetteville Public Library, .4 mills for the Policemen's Pension and Relief Fund and .4 mills for the Firemen's Pension and Relief Fund). The Fayetteville School District millage securing bond debt service is the only portion of the total ad valorem rate that should be considered as a debt service ad valorem rate. Amendment 78, effective as of January 1, 2001, states that "there shall be excluded from the division all ad valorem taxes for debt service approved by voters in taxing unit prior to the effective date of this amendment." Forty-four mills were levied by the voters on September 19, 2000 on behalf of the Fayetteville School District, immediately prior to the effective date of Amendment 78. Twenty-five of those mills constitute the minimum levy required by Amendment 74 and by the language of that September 19, 2000 ballot "to be used solely for maintenance and operation of schools ...." See the discussion of Amendment 74 in the following paragraph. Although this required levy leaves only 19 potential mills for debt service, the ballot also stated: "The total proposed school tax levy of 44.0 mills includes ... 23.7 mills for debt service as a continuing levy ...." The current debt service levy for the School District pursuant to the County levying ordinance is 19.2 mills but the School District claims it should receive the increment on 23.7 mills which would include the increment on 4.5 mills levied by other governmental entities for other purposes. The City disagrees with this interpretation. In addition to the debt service ad valorem rate deduction, the Arkansas Attorney General has opined that the 25 mills levied by the Fayetteville School District for maintenance and operation purposes should not be included within the applicable ad valorem rate. Amendment 74 to the Constitution of the State of Arkansas mandates a statewide 25 -mill minimum for the maintenance and operation of local schools. This minimum millage is collected in the same manner as other property taxes, but the revenues generated therefrom are remitted by the county collectors to the State Treasurer for distribution to the school districts. It is the Attorney General's position that this 25 mills is levied by the State of Arkansas and is not a tax of a "taxing unit" within the meaning of the Act and is thus not available for inclusion within the applicable ad valorem rate. While an Attorney General's opinion is not binding on any Arkansas court or administrative body and while the City disagrees with the Fayetteville School District's interpretation as to the calculation of the debt service ad valorem rate, the City has nevertheless determined to structure the issuance of the Series 2005 Bonds by assuming that only 3.16 mills may be available as the applicable ad valorem rate. This assumption is utilized in the Feasibility Study attached hereto as Appendix C and in the tables set forth under the caption "PROJECTED TAX RECEIPTS AND MANDATORY REDEMPTIONS" herein. The City has determined to legally challenge both the Fayetteville School District's interpretation of the determination of the debt service ad valorem rate and the Attorney General's opinion that the 25 mills for school operations and maintenance are not eligible for inclusion in the applicable ad valorem rate. This challenge would likely take the form of a declaratory judgment action filed against the Washington County Assessor and Collector. A favorable outcome could conceivably result in an additional 29.5 mills (4.5 debt service mills + 25 operating mills) being included in the applicable ad valorem rate. NO ASSURANCE CAN BE GIVEN AS TO THE PROBABILITY OF SUCCESS IN ANY SUCH LEGAL CHALLENGE OR AS TO THE PRECISE REMEDY THAT WOULD GRANTED IN THE EVENT OF A FAVORABLE OUTCOME. INVESTMENT DECISIONS WITH RESPECT TO THE SERIES 2005 BONDS SHOULD BE MADE BASED ON THE ASSUMPTION THAT THE AVAILABLE AD VALOREM RATE WILL BE 3.16 MILLS ONLY. Ad Valorem Taxes Generally. Taxable real property is valued for tax purposes as of January 1 of each year and only real property owned by a taxpayer on January I is assessed for that calendar year. The assessment process is subject to rights of taxpayers to appeal and is not finalized until November of the year of assessment. Real property is currently assessed in an amount equal to 20% of its value, but this percentage can be increased or decreased by action of the Arkansas General Assembly. Following assessment, the total of the millage levied by each taxing entity (municipalities, counties, school districts and community college districts) in which the property is located is applied against the assessed value to determine the tax owed. The total taxes levied by all taxing authorities are collected together by the county collector of the county in which the property is located in the calendar year immediately following the year in which such taxes were levied. Taxes are due and payable between the third Monday in February and October 10. Taxes not paid by October 10 are deemed delinquent and are subject to a 10% penalty. Real estate as to which taxes are delinquent for two successive years is certified to the State Land Commissioner, who offers the property for sale. The proceeds of such sale are apportioned among the taxing authorities to which taxes are owed. Delinquent real property may be redeemed by the taxpayer within two years of the delinquency. For an historical view of the assessed value of real property within the entire City, see the caption "THE CITY — Economic Data" herein. Effect of Amendment 59. Under Amendment 59 to the Constitution of the State of Arkansas, all real property is subject to ad valorem taxation except for the following exempt categories: (i) public property used exclusively for public purposes; (ii) churches used as such; (iii) cemeteries used exclusively as such; (iv) school buildings; (v) libraries and grounds used exclusively for school purposes; and (vi) buildings and grounds used exclusively for public charity. Amendment 59 also authorizes the General Assembly to exempt from taxation the first $20,000 of value of a homestead of a taxpayer 65 years of age or older. Amendment 59 further provides that, except as provided therein in connection with the transition period following a county -wide reassessment (see also the discussion below regarding Amendment 79), (1) residential real property used solely as the principal place of residence of the owner shall be assessed in accordance with its value as a residence, (2) land (but not improvements thereon) used primarily for agricultural, pasture, timber, residential and commercial purposes shall be assessed upon the basis of its value for such use, and (3) all other real property subject to taxation shall be assessed according to its value. The Arkansas Supreme Court has held that the word "value," as used in a prior, substantially identical constitutional provision, means "current market value". Property owned by public utilities and common carriers and "used and/or held for use in the operation of the company..." is assessed for tax purposes by the Tax Division of the Arkansas Public Service Commission. Arkansas Code Annotated (1997 Rep!.) Section 26-26-1605 provides that the Tax Division "shall assess the property at its true and full market or actual value" and that all utility property of a company, whether located within or without the State of Arkansas, is to be valued as a unit. Annually, each public utility and common carrier is required to file a report with the Tax Division. The Tax Division then reviews these reports, along with other reports (such as reports to shareholders, the Federal Communications Commission, the Federal Energy Regulatory Commission and the Interstate Commerce Commission), to determine the value of the property. Valuation is currently made on the basis of a statutorily prescribed formula with consideration given to (i) original cost less depreciation, replacement cost less depreciation or reconstruction cost less depreciation; (ii) market value of capital stock and funded debt; and (iii) capitalization of income. Once the value of a company's property as a unit is determined, the Tax Division removes the value allocable to out-of-state property and allocates the remainder among Arkansas taxing units on the basis of relative value within each jurisdiction. The Tax Division certifies the assessment to the county assessor who enters the assessment on the county assessment roll. County officials have no authority to change such assessment. All other real property is assessed by the elected assessor of each Arkansas county or other officials designated by law. Effect of Amendment 79. Amendment 79 to the Constitution of the State of Arkansas requires each county to appraise all market value real estate normally assessed by the county assessor at its full and fair value at a minimum of once every five years. The most recent county -wide reassessment in Washington County was completed in 2004 and the next such reassessment is scheduled for completion in 2007. Following any such county reappraisal, the county assessor is required to compare the assessed value of each parcel of real property reappraised or reassessed to the prior year's assessed value. If the assessed value of a parcel increased, then the assessed value must be adjusted as provided below. Subject to the special circumstances described in the second following paragraph, if a parcel is not the homestead and principal place of residence ("homestead") of a taxpayer, then any increase in the assessed value in the first year after reappraisal cannot be greater than 10% (or 5% if the parcel is the taxpayer's homestead) of the assessed value for the previous year. For each year thereafter, the assessed value shall increase by an additional 10% (or 5% if the parcel is the taxpayer's homestead) of the assessed value for the year preceding the first reassessment resulting from reappraisal; however, the increase cannot exceed the assessed value determined by the reappraisal prior to the adjustment mandated by Amendment 79. For property owned by public utilities and common carriers, any annual increase in the assessed value cannot exceed more than 10% of the assessed value for the previous year. The Amendment 79 limitations on increases in assessed value do not apply to newly discovered real property, new construction or substantial improvements to real property. If a homestead is purchased or constructed on or after January 1, 2001 by a disabled person or by a person over the age of 65, then that parcel will be assessed based on the lower of the assessed value as of the date of purchase or construction or a later assessed value. If a person is disabled or is at least 65 years of age and owns a homestead on January 1, 2001, then the homestead will be assessed based on the lower of the assessed value on January 1, 2001 or a later assessed value. When a person becomes disabled or reaches age 65 on or after January 1, 2001, that person's homestead should thereafter be assessed based on the lower of the assessed value on the person's 65i° birthday, on the date the person becomes disabled or a later assessed value. The provisions of this paragraph do not apply to substantial improvements to real property. For real property described in the following paragraph, the applicable date, in lieu of January 1, 2001, is January I of the year following completion of the adjustments to assessed value described in the following paragraph. If there has been no county -wide reappraisal and resulting reassessment of value of real property in a county between January 1, 1986 and December 1, 2000, then the assessed value of real property within that county is adjusted in a different manner from the process described above. In such case, the assessor compares the assessed value of each parcel to the assessed value of the parcel for the previous year. If the assessed value of the parcel has increased, then the assessed value of the parcel for the year in which the parcel is reappraised is adjusted by adding one-third (1/3) of the increase to the assessed value for the year prior to reappraisal. An additional one-third (1/3) of the increase is added in each of the next two years. The adjustment contemplated by this paragraph does not apply to the property of public utilities and common carriers. No adjustment will be made for newly discovered real property, new construction or substantial improvements to real property. Millage Rollbacks Under Amendments 59 and 79. In addition to the provisions of Amendments 59 and 79 discussed above, other provisions of these constitutional amendments provide for rollbacks in millage rates in certain specified circumstances. Amendment 59 provides that whenever a county -wide reassessment results in an overall increase in assessed value of 10% or more within the county, the tax rate of each taxing unit on property located in that county is to be adjusted as described in detail therein. The year in which the reassessment is completed is designated as the "Base Year." The assessed valuation for the Base Year is based on the reassessment. Amendment 79 requires that the rollback adjustments mandated by Amendment 59 be determined after adjustments are made to the assessed value under Amendment 79 (as described above). The "rolled -back" tax rates applicable to real property in the county are computed by (1) deducting from the total Base Year assessed value the assessed value of newly -discovered real property and new construction and improvements to real property to arrive at the reassessed value of previously assessed real property, (2) determining the tax rate necessary to produce from the previously assessed real property (on the basis of the Base Year assessment) the same amount of revenues produced from such property in the Base Year (on the basis of the last previous assessed value and the tax rate applicable to collections in the Base Year), and (3) either (a) fixing the tax rate determined in (2) as the tax rate for the real property, including newly discovered real property and new construction and improvements to real estate, or (b) if the tax rate so fixed would produce less than 110% of the revenues from real property produced in the Base Year, increasing the tax rate determined in (2) in an amount sufficient to produce 110% of such revenues. The enabling legislation for Amendment 59 provides that the "rollback" computation described above is to be made separately for each tax source or millage levy (in the case of school districts, this would require separate computations for operation and maintenance millage and debt service millage) with the new tax rate for each millage levy to be rounded up to the nearest 1/10 mill. Amendment 79 specifically provides that its rollback provisions shall not reduce the level of the minimum 25 mill levy mandated by Amendment 74 for maintenance and operation of local schools. Further, Amendment 78 provides that, after the effective date of any ordinance approving the project plan for a redevelopment district, no increases in the assessed valuation of property within such redevelopment district shall be taken into account in making the "rollback" calculation described above. Future Constitutional and Legislative Changes. Numerous constitutional amendments and legislative acts have been proposed and will continue to be proposed which would alter facets of ad valorem taxation in Arkansas generally, and its application in connection with redevelopment districts specifically. Many of such amendments and acts have been initiated in response to public school funding shortfalls in the State. There can be no assurance given as to the impact of the future enactment of any such amendments or bills on the size of the Tax Increment. See the caption "RISK FACTORS" herein. RISK FACTORS The following is a summary statement of certain risks to owners of the Series 2005 Bonds relating to timely payment of the Accreted Value of the Series 2005 Bonds at maturity or upon redemption and to the market value of the Series 2005 Bonds. This summary statement is intended to highlight certain risks and is not a complete statement of all such risks. Reference is made to the other portions of this Official Statement and in particular to the information under the captions "SECURITY FOR THE BONDS" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein for further details of the risks to owners of the Series 2005 Bonds. Real Property Value Growth. The City's ability to pay the Accreted Value of the Series 2005 Bonds at maturity or upon redemption prior to maturity is dependent on the growth in assessed valuation of the real property within the District. See the captions "SECURITY FOR THE BONDS" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. There are many factors beyond the control of the City which could have a significant impact on the level of such growth. A number of events could occur which would have an material adverse effect upon property values, and thus on the amount of Tax Increment receipts projected to be collected to pay Debt Service on the Series 2005 Bonds, including, but not limited to: (i) damage to or the destruction of significant components of real property within the District; (ii) a general economic downturn resulting in business closing or contributing to an inability of property owners to pay ad valorem taxes; and (iii) the enactment or approval of legislation or constitutional amendments which further limit the amount of annual increases in real property values or further restrict millages which are to be included within the applicable ad valorem rate (as defined in the Act). Limited Obligation of City. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by and payable solely from the Tax Increment receipts and moneys on deposit in the Funds and Accounts established in the Indenture. There can be no assurance that Tax Increment receipts deposited to the Revenue Fund will be available or sufficient in amount to pay the Accreted Value of the Series 2005 Bonds at maturity or upon redemption prior to maturity. In the event there are insufficient Tax Increment receipts to pay all of the Debt Service on the Series 2005 Bonds in a timely manner, the City has no obligation to utilize any other moneys to pay such Debt Service. Revision of State Property Tax System. The State of Arkansas' system of assessing and taxing real property for purposes of local ad valorem taxation for support of local political subdivisions, including cities, counties, school districts and community colleges, has been the subject in recent years of constitutional amendment, legislation and litigation. Given the current debate over alternatives to remedy a perceived deficiency in the funding of Arkansas' public schools, it is likely that the property tax system will continue to be the object of considerable controversy, legal challenges and legislative action. Given this distinct possibility of additional legislation, constitutional initiatives and referendums and litigation, there can be no assurance that Arkansas' system of assessing and taxing real property will remain substantially unchanged. It is possible that such changes as do occur could materially and adversely affect the amount of the Tax Increment. The approving opinion of Bond Counsel will be rendered based on the law existing as of the date of issuance of the Series 2005 Bonds and in reliance upon general legal presumptions in favor of the constitutionality of statutes and upon the holdings of existing case law. No Investment Rating. The Series 2005 Bonds are not rated by a securities rating agency. The City has not applied, and does not intend to apply, for any such rating. The absence of an investment rating may adversely affect the marketability of the Series 2005 Bonds. BOOK -ENTRY ONLY SYSTEM The Series 2005 Bonds will be issued only as one fully registered Series 2005 Bond, 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 2005 Bonds. The fully registered Series 2005 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 2005 Bonds. Owners of any book entry interests in the Series 2005 Bonds (the "book entry interest owners") described below, will not receive or have the right to receive physical delivery of the Series 2005 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 2005 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 "blearing 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, NIBS 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 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 2005 Bonds under the DTC system must be made by or through Direct Participants, which will receive a credit for the Series 2005 Bonds on DTC's records. The ownership interest of each actual purchaser of each Series 2005 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 2005 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 2005 Bonds, except in the event that use of the Book -Entry System for the Series 2005 Bonds is discontinued. To facilitate subsequent transfers, all Series 2005 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 2005 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 2005 Bonds, DTC's records reflect only the identity of the Direct Participants to whose accounts such Series 2005 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 2005 Bonds in 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 2005 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 2005 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 2005 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. The Trustee and the City, so long as a book entry method of recording and transferring interest in the Series 2005 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 2005 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 2005 Bonds made to DTC or its nominee as the registered owner of the Series 2005 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 2005 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. THE PROJECT The proposed Project consists of the acquisition of four parcels of real property located within the District in the downtown area of the City, the demolition of the majority of the existing structures thereon and site preparation for subsequent development. In addition, it is anticipated that certain sidewalk and crosswalk improvements will be funded throughout the District utilizing certain portions of the sale proceeds described below. In view of the current conditions existing with respect to the property to be acquired, particularly the buildings previously operated as the Mountain Inn, the City believes that the completion of the Project will alleviate blight and encourage economic development within the District. The total cost of the Project is expected to be approximately $3.68 million. $2.613 million of this amount is the known acquisition cost of the real property, $887,000 is the estimate that has been developed by the City as the cost of demolishing the existing buildings and clearing and preparing the site so as to make it available for redevelopment, and the remaining $180,000 is the estimated cost of the sidewalk and crosswalk improvements. The present Project schedule anticipates property acquisition on April 20, 2005, commencement of demolition on or about June 1, 2005, and completion (except for the sidewalk and crosswalk improvements) in the third quarter of 2005. In the event the proceeds of the Series 2005 Bonds are insufficient to provide for the acquisition, demolition and site preparation costs of the Project in full, the deficiency is expected to be funded by the Developer (defined below). The City has had numerous discussions with the principals of East Square Development, LLC (the "Developer") concerning plans by the Developer to acquire the cleared real property upon completion of the Project and to construct a $19 million hotel/meeting place/condominium/parking deck development (the "Development") on such site. An agreement dated March 15, 2005 (the "Redevelopment Agreement"), has been entered into by and between the City and the primary principals of the Developer setting forth the purchase price ($300,000) and other terms and conditions with respect to any future conveyance of the Project real property to the Developer. In the Redevelopment Agreement, the Developer principals have covenanted to cause the construction of a Development having substantially the following components: (i) approximately 144 room, full service hotel; (ii) approximately 18 condominiums; (iii) approximately 12,000 square feet of conference/meeting space; (iv) approximately 300 space multistory parking deck; and (v) restaurants, small retail shops, day spa and a rooftop botanical garden. The Developer principals have agreed to cause the purchase of the Project real property from the City upon the expenditure of $887,000 of the proceeds of the Series 2005 Bonds for demolition and site preparation purposes, whether or not such demolition and site preparation can be completed at that level of expenditure. The Redevelopment Agreement requires engineering and architectural contracts with respect to the Development to be in place by the end of 2005. A construction contract shall be entered into by June 1, 2006, and the Development shall be completed and ready for occupation no later than September 1, 2007. All requirements for completion dates are subject to force majeure and may be extended for good cause by the City Council. Upon the failure of the Developer to meet the required dates for entry into engineering, architectural and construction contracts, the City's remedy is the right to repurchase the Project real property for $10,000. Failure to complete the Development by September 1, 2007 results in liquidated damages of $834.73 per day until the Development is opened for business (not to exceed $300,504). Completion and occupancy of the Development is presently expected to occur in the third quarter of 2006. It should be noted that the Feasibility Study attached hereto as Appendix C assumes that the real property components of the Development will first be assessed in 2007 and will contribute to the Tax Increment in 2008. Any failure or delay in completion of the Development will have a negative impact on the amount of the Tax Increment available to redeem the Series 2005 Bonds. $180,000 of the proceeds received by the City upon the sale of the Project real property to the Developer will be utilized to construct various sidewalk and crosswalk improvements throughout the District. The remaining $120,000 of sale proceeds will be utilized to redeem a portion of the Series 2005 Bonds as described under the caption "THE SERIES 2005 BONDS —Redemption" herein. 10 0 ESTIMATED SOURCES AND USES OF FUNDS The proceeds of the Series 2005 Bonds are expected to be used as follows: Sources of Funds'I Series 2005 Bond Proceeds $3.735,000 Total Sources: $3.735.000 Uses of Funds'l Deposit to Project Fund $3,500,000 Costs of Issuance and Underwriter's Discount 233,400 Contingency 1.600 Total Uses: $3.735.000 (1) Preliminary; subject to change. PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS The following table shows the projected Tax Increment during the next 25 years at varying levels and the corresponding mandatory redemptions of the Series 2005 Bonds at each such level. The Series 2005 Bonds are subject to mandatory redemption prior to maturity on each February 1, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to I00% of the Accreted Value thereof as of the date of redemption, from Tax Increment receipts on deposit with the Trustee following the transfer of any amounts necessary (i) to pay any arbitrage rebate due under Section 148(f) of the Internal Revenue Code of 1986, as amended (the "Code"), and (ii) to pay Trustee and Paying Agent fees and expenses. The amount of the Tax Increment and Series 2005 Bond redemptions shown in the table immediately below are based on the projections set forth in the Feasibility Study of the District attached as Appendix C hereto. [THE REMAINDER OF THIS PAGE INTENTIONALLY BLANK] 11 TABLE I ASSESSED VALUATION GROWTH AS SET FORTH IN THE FEASIBILITY STUDY Outstanding Series 2005 Series 2005 Bond Principal and Accreted Projected Tax Series 2005 Bond Principal Date Interest Prior to Increment Principal Outstanding After (February 1)t') Redemption(2) Receipts°) Redeemed Redemption 2006 $3,927,409 $ 131,375 $ 120,000 $ 3,615,000 2007 4,052,322 33,724 30,000 3,585,000 2008 4,284,153 81,971 70,000 3,515,000 2009 4,477,971 114,685 90,000 3,425,000 2010 4,651,538 145,574 105,000 3,320,000 2011 4,806,780 172,371 120,000 3,200,000 2012 4,939,082 202,262 130,000 3,070,000 2013 5,051,435 235,623 145,000 2,925,000 2014 5,130,768 272,908 155,000 2,770,000 2015 5,179,841 314,566 170,000 2,600,000 2016 5,183,106 361,175 180,000 2,420,000 2017 5,142,949 413,309 195,000 2,225,000 2018 5,040,888 471,703 205,000 2,020,000 2019 4,878,749 537,148 225,000 1,795,000 2020 4,621,699 610,539 235,000 1,560,000 2021 4,281,954 692,888 255,000 1,305,000 2022 3,818,634 785,345 265,000 1,040,000 2023 3,244,225 889,211 285,000 755,000 2024 2,510,757 1,005,962 305,000 450,000 2025 1,595,329 1,137,386 320,000 130,000 2026 491,316 1,285,302 130,000 -0- 2027 -0- 1,451,879 -- 2028 1,639,735 -- 2029 1.851.558 — ") The Series 2005 Bonds are subject to mandatory redemption from Tax Increment receipts on each February 1. See the caption "THE SERIES 2005 Bonds — Redemption" herein. (2) Assuming for the purposes of this Preliminary Official Statement a coupon rate on the Series 2005 Bonds of 6.50% per annum. (3) Assuming (1) assessed valuation growth as set forth m the Feasibility Study attached hereto as Appendix C, (2) 3.16 mills of ad valorem taxes are available to pay debt service on the Series 2005 Bonds, and (3) $120,000 of proceeds available from the sale of real property to the Developer. See the captions "SECURITY FOR THE BONDS — Tar Increment" and "THE PROJECT" herein. 12 TABLE II ASSESSED VALUATION GROWTH AT 2000-2004 MEDIAN RATE Outstanding Series 2005 Series 2005 Bond Principal and Accreted Projected Tax Series 2005 Bond Principal Date Interest Prior to Increment Principal Outstanding After (February 1)1') Redemption Receipts (3) Redeemed Redemption 2006 $3,927,409 $ 131,375 $ 120,000 $ 3,615,000 2007 4,052,322 33,724 30,000 3,585,000 2008 4,284,153 81,971 70,000 3,515,000 2009 4,477,971 114,685 90,000 3,425,000 2010 4,651,538 145,574 105,000 3,320,000 2011 4,806,780 167,398 120,000 3,200,000 2012 4,939,082 191,167 120,000 3,080,000 2013 5,067,889 217,054 135,000 2,945,000 2014 5,165,850 245,247 140,000 2,805,000 2015 5,245,290 275,953 145,000 2,660,000 2016 5,302,716 309,395 155,000 2,505,000 2017 5,323,590 345,815 165,000 2,340,000 2018 5,301,428 385,482 170,000 2,170,000 2019 5,241,033 428,682 175,000 1,995,000 2020 5,136,652 475,732 185,000 1,810,000 2021 4,968,164 526,974 190,000 1,620,000 2022 4,740,373 582,781 200,000 1,420,000 2023 4,429,615 643,561 205,000 1,215,000 2024 4,040,490 709,756 215,000 1,000,000 2025 3,545,176 781,849 220,000 780,000 2026 2,947,899 860,366 230,000 550,000 2027 2,215,954 945,878 235,000 315,000 2028 1,352,972 1,039,010 240,000 75,000 2029 343,415 1.140,440 75.000 -0- Totals (1) The Series 2005 Bonds are subject to mandatory redemption from Tax Increment receipts on each February 1. See the caption "THE SERIES 2005 Bonds — Redemption" herein. a) •Assuming for the purposes of this Preliminary Official Statement a coupon rate on the Series 2005 Bonds of 6.50% per annum. (3) Assuming (1) assessed valuation growth for 2005 through 2009 as set forth in the Feasibility Study attached hereto as Appendix C and thereafter at the rate of 8.91% (the median rate of growth for real property within the District from 2000-2004), (2) 3.16 mills of ad valorem taxes are available to pay debt service on the Series 2005 Bonds, and (3) $120,000 of proceeds available from the sale of real property to the Developer. See the captions "SECURITY FOR THE BONDS — Tax Increment' and "THE PROJECT" herein. 13 TABLE III ASSESSED VALUATION GROWTH AT 1996-2000 MEDIAN RATE Outstanding Series 2005 Series 2005 Bond Principal and Accreted Projected Tax Series 2005 Bond Principal Date Interest Prior to Increment Principal Outstanding After (February 1)111 Redemption[) Receipts 131 Redeemed Redemption 2006 $3,927,409 S 131,375 $ 120,000 $ 3,615,000 2007 4,052,322 33,724 30,000 3,585,000 2008 4,284,153 81,971 70,000 3,515,000 2009 4,477,971 114,685 90,000 3,425,000 2010 4,651,538 145,574 105,000 3,320,000 2011 4,806,780 161,544 115,000 3,205,000 2012 4,946,800 178,556 115,000 3,090,000 2013 5,084,343 196,677 120,000 2,970,000 2014 5,209,703 215,979 120,000 2,850,000 2015 5,329,439 236,540 130,000 2,720,000 2016 5,422,327 258,441 130,000 2,590,000 2017 5,504,231 281,770 130,000 2,460,000 2018 5,573,296 306,621 135,000 2,325,000 2019 5,615,392 333,091 140,000 2,185,000 2020 5,625,857 361,288 140,000 2,045,000 2021 5,613,202 391,323 140,000 1,905,000 2022 5,574,327 423,316 145,000 1,760,000 2023 5,490,227 457,395 145,000 1,615,000 2024 5,370,692 493,697 150,000 1,465,000 2025 5,193,683 532,365 150,000 1,315,000 2026 4,969,855 573,554 150,000 1,165,000 2027 4,693,794 617,429 155,000 1,010,000 2028 4,338,100 664,164 155,000 855,000 2029 3,914,934 713.946 155.000 700,0001"1 Totals (1) The Series 2005 Bonds are subject to mandatory redemption from Tax Increment receipts on each February 1. See the caption "THE SERIES 2005 Bonds —Redemption" herein. (2) Assuming for the purposes of this Preliminary Official Statement a coupon rate on the Series 2005 Bonds of 6.50% per annum. (3) Assuming (1) assessed valuation growth for 2005 through 2009 as set forth in the Feasibility Study attached hereto as Appendix C and thereafter at the rate of 6.52% (the median rate of growth for real property within the District from 1996-2000), (2) 3.16 mills of ad valorem taxes are available to pay debt service on the Series 2005 Bonds, , and (3) $120,000 of proceeds available from the sale of real property to the Developer. See the captions "SECURITY FOR THE BONDS — Tax Increment" and "THE PROJECT" herein. (4) Under this scenario, it is projected that there would remain $700,000 in principal amount of Series 2005 Bonds outstanding at maturity having a total Accreted Value of $3,309,378. THE PROJECTED TAX INCREMENT AND MANDATORY REDEMPTION TABLES SET FORTH ABOVE ARE BASED ON THE PROJECTIONS FOR THE DISTRICT'S ASSESSED PROPERTY VALUE GROWTH (1) SET FORTH IN THE FEASIBILITY STUDY ATTACHED AS APPENDIX C HERETO OR (2) UTILIZING A COMBINATION OF THE PROJECTIONS IN THE FEASIBILITY STUDY AND HISTORICAL MEDIAN GROWTH RATES. THE ACTUAL AMOUNT OF THE TAX INCREMENT AND CORRESPONDING REDEMPTIONS WILL DEPEND ON NUMEROUS FACTORS, AND THERE CAN BE NO ASSURANCE GIVEN THAT THE TAX INCREMENT AVAILABLE TO REDEEM SERIES 2005 BONDS WILL APPROXIMATE SUCH PROJECTIONS. 14 I THE CITY AND THE DISTRICT 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 comer of the State and is approximately 185 miles northwest of Little Rock, Arkansas, 110 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 12/31/08 Kit Williams City Attorney 12131/06 Sondra Smith City Clerk 12/31/08 Kyle Cook Alderman 12/31/06 Robert Ferrell Alderman 12/31/08 Lioneld Jordan Alderman 12/31/08 Shirley Lucas Alderman 12/31/06 Don Marr Alderman 12/31/08 Robert Reynolds Alderman 12/31/06 Robert Rhoads Alderman 12/31/06 Brenda Thiel Alderman 12/31/08 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 15 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 2001 24,585 22,750 2002 24,788 23,556 Source: Bureau of Economic Analysis. Retail sales figures for the MSA and the State are as follows: MSA State of MSA as % of Year 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 2003 3,968,812,000 29,920,716,000. 13.26 2004 4,470,048,000 31,463,983,000 14.21 * 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 541,004,690 158,688,783 699,693,473 2003 565,846,525 167,638,657 733,485,182 2004 649,361,820 183,102,702 832,464,522 Source: Washington County Tax Assessor's Office. The assessed value represents 20% of the appraised value of property. 16 • Building permits issued by the City' 1 are shown below for the years indicated: 2000 2001 2002 2003t�1 2004 Residential Building Permits 361 339 328 735 755 Commercial Building Permits 37 38 35 31 29 Value of All Building Permits $121,887,263 $85,262,302 $100,809,486 $179,007,987 $164,695,359 (1) Does not include building activity of the University of Arkansas, school permits and additions/alterations to existing structures. (2) Increase largely due to the permitting of a significant number of multifamily developments as well as an acceleration of permit requests in advance of the imposition of impact fees by the City. 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 3.0 6.3 2004 4.0 5.6 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 2005 of approximately 16,100. For the 2004-05 fiscal year ending June 30, 2005, the University has an operating budget in excess of $217 million, which does not include the agricultural experimentation station or other associated operations. On the Fayetteville campus, the University employs approximately 2,450 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 Northwest Arkansas Mall Retail (all stores) 1,000-2,499 Tyson Foods Food Products 800-1,599 Fayetteville School District Education 500-999 City of Fayetteville Government 300.499 Arkansas Western Gas Co. Utilities 300-499 Ayrshire Electronics Manufacturing 300-499 Hanna's Potpourri, Soup & Candles 300-499 McClinton Anchor Company Limestone & Hot Mix 300-499 Veteran's Admin. Medical Center Medical 300-499 Wal-Mart Supercenter Retail 300-499 Washington County Government Government 300-499 Source: Fayetteville Chamber of Commerce. 17 The District Highway 71 East Square Redevelopment District No. I (the "District") was created pursuant to Amendment 78 and the Act by Ordinance No. 4608 of the City Council adopted on August 17, 2004, as amended by Ordinance No. 4662 of the City adopted on December 28, 2004. The District's geographical boundaries were expanded to their present location by Ordinance No. 4673 adopted on January 25, 2005 and are shown on the District map attached hereto as Exhibit D. The District encompasses approximately 360.38 acres containing 1,111 separate parcels. The base value of the District real property for 2004 has been certified by the Washington County Assessor as $31,446,555. Projections of growth in the assessed value of the real property within the District are set forth in the Feasibility Study of the Highway 71 East Square Redevelopment District No. I (the "Feasibility Study") prepared by the Center for Business and Economic Research of the Sam Walton College of Business at the University of Arkansas and attached hereto as Appendix C and under the caption "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. SUCH PROJECTIONS ARE BASED ON NUMEROUS FACTORS, SOME OF WHICH ARE DESCRIBED IN THE FEASIBILITY STUDY. THERE CAN BE NO ASSURANCE THAT ACTUAL GROWTH IN ASSESSED VALUE OF THE REAL PROPERTY WITHIN THE DISTRICT WILL APPROXIMATE SUCH PROJECTIONS. See the caption "RISK FACTORS" herein. A project plan (the "Project Plan") for the District was adopted by the City pursuant to Ordinance No. 4646 adopted on December 7, 2004. The Project Plan was subsequently amended pursuant to Ordinance No. 4663 adopted on December 28, 2004. The Project Plan is designed to assist the City in the removal of designated blight within the District and to encourage the commercial and residential redevelopment of real property within the District, thereby preventing the spread of blighted, deteriorated and deteriorating areas and discouraging the loss of commerce, industry and employment. The "catalyst" development in the District to be assisted by the completion of the Project is the redevelopment of certain blighted property on the eastern side of the City's historic downtown. The primary portion of this property is the structure previously operated as the Mountain Inn. East Square Development, LLC (the "Developer") has announced its intentions to construct a $19 million hotel/meeting place/condominium/parking deck development on the site to be acquired with proceeds of the Series 2005 Bonds. Following completion of the demolition of the existing structures on the Project site, the Developer intends to purchase the site from the City for the price of $300,000. The purchase price has been determined based on appraisals obtained by the City. Certain conditions for the transfer of the Project site are set forth in the Redevelopment Agreement. See the caption "THE PROJECT' herein. 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. "Accountant" means an independent certified public accountant or a firm of independent certified public accountants. "Accreted Value" means, with respect to each Series 2005 Bond: (a) for any $5,000 minimum authorized denomination of a Series 2005 Bond, as of any Accretion Date, the amount set forth in Exhibit C to the Indenture as the Accreted Value of a Series 2005 Bond as of such Accretion Date; (b) as of any date (for purposes of this paragraph (b), a "Calculation Date") that is not an Accretion Date, the sum of (i) the Accreted Value determined under paragraph (a) above, as appropriate, as of the most recent Accretion Date plus (ii) the amount determined pursuant to the following formula: (A-BXX/l80), where "A" is the Accreted Value determined under paragraph (a) above as of the Accretion Date immediately following such Calculation Date; "B" is the Accreted Value determined under paragraph (a) above as of the most recent Accretion Date; and "X" is the number of days such Calculation Date follows the most recent Accretion Date, determined assuming that each month in such period contains 30 days. "Accretion Date" means, with respect to the Series 2005 Bonds, (i) the date on which the Series 2005 Bonds are first issued by the City and February 1 and August I of each year, commencing August 1, 2005. "Act" means the enabling legislation for Amendment 78, codified as Arkansas Code Annotated (2003 Supp.) Sections 14-168-301 et seq., as from time to time amended. 18 "Additional Bonds" means Bonds in addition to the Series 2005 Bonds which are issued under the provisions of Section 212 of the Indenture. "Amendment 78" means Amendment No. 78 to the Constitution of Arkansas, approved by the voters of the State on November 7, 2000. "Annual Debt Service" means, with respect to all or any particular amount of Bonds, as the case may be, 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 Increment receipts. With respect to the Series 2005 Bonds, "Annual Debt Service" means the Debt Service for any particular year which is deemed to accrete or mature as described under the definition of Debt Service set forth below. "Authorized Representative" means either the Mayor of the City and such additional person or 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 2005, which authorized the issuance of the Series 2005 Bonds pursuant to the Indenture. "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 2005 Bonds and all Additional Bonds 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. "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. "Completion Date" means the date upon which a particular Project is completed, as certified by a Qualified Engineer in accordance with the Indenture. "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. "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, placement agent fees and 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. "Costs of Issuance Fund" means the fund by that name created and established in the Indenture. "Debt Service" means, with respect to all or any particular amount of Bonds, the total as of any particular date of computation and for any particular period of the scheduled amount of interest and amortization of principal payable on such Bonds, excluding amounts scheduled during such period which relate to principal which has been retired before the beginning of such period. With respect to the Series 2005 Bonds, "Debt Service" shall include the increase in Accreted Value during such period of computation and the pro rata portion of principal allocable to such 19 period of computation, assuming that the principal of the Series 2005 Bonds matures on a level basis over the life of the Series 2005 Bonds, but excluding amounts which relate to Series 2005 Bonds which have been retired before the beginning of such period. "Developer" means East Square Development, LLC, an Arkansas limited liability company. "District" means the Highway 71 East Square Redevelopment District No. I created by the City under the authority of Amendment 78 and the Act pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No.4662 adopted on December 28, 2004. A map of the District is attached hereto as Exhibit D. "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 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 April 15, 2005, between the City and the Trustee, pursuant to which the Bonds are issued, and any further amendments and supplements thereto. "Investment Securities" 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; (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; and (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. "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. OW "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 which 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. "Paying Agent" means any bank or trust company named by the City as the place at which the principal of and premium, if any, and interest on the Bonds are payable. "Person" means any natural person, fum, 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. "Project" means the acquisition of certain real property, which property is located within the District and consists primarily of the former Mountain Inn property and surrounding parcels, the demolition of the majority of the existing structures thereon, site preparation in connection therewith, and the completion of certain sidewalk and crosswalk improvements. "Project Costs" shall have the meaning set forth in the Act, and shall include all costs of planning, designing, purchasing, acquiring, constructing, reconstructing, improving, enlarging, extending, repairing, financing and placing in a Project in operation, including the demolition of existing structures, and the costs of 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) 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, reconstruction, improving, extending and equipping of the Project and placing the same in operation; (b) all costs relating to injury and damage claims arising out of the acquisition, construction or equipping of the Project; (c) all other costs incurred in connection with, and properly allocable to, the acquisition, construction, reconstruction, improving, extending and equipping of the Project; and (d) 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, constructing, reconstructing, improving, enlarging, extending, repairing, financing and placing in operation of the Project. "Project Fund" means the fund by that name created and established in the Indenture. "Qualified Engineer" means either (i) the City's Building Services Director and Project Manager or (ii) 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, 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 the Indenture. "Redemption Date" means the fund by that name established in the Indenture. "Redevelopment Agreement" means that certain agreement dated as of March 15, 2005, between the City and the principals of the Developer, in connection with the Project. "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: 21 (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. "Revenue Fund" means the fund by that name created and established in the Indenture. "Securities Depository' means The Depository Trust Company, New York, New York, or its nominee, and its successors and assigns. "Series 2005 Bonds" means the City's Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1), Series 2005, issued under and secured by the Indenture in the aggregate principal amount of $3,735,000*. "State" means the State of Arkansas. "Supplemental Indenture" means any indenture supplemental to or amendatory of the Indenture. "Tax Increment" shall have the meaning set forth in the Act, as determined by multiplying the incremental value of the real property within the District by the maximum applicable ad valorem rate permitted pursuant to the Act. "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" means the banking corporation or association designated as Trustee in the Indenture, and its successor or successors as such Trustee. The original Trustee is "Trust Estate" means the property described in the granting clauses of the Indenture. Preliminary; subject to change. 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 Finance and Internal Services Director of the City, for a full statement thereof. Funds and Accounts. Tax Increment receipts are pledged by the Indenture to the payment of the principal of, premium, if any, and interest on the Bonds. The following Funds and Accounts have been established with the Trustee in connection with the Bonds: Funds and Accounts Revenue Fund Bond Fund Redemption Fund Project Fund Cost of Issuance Fund Rebate Fund Application of Tax Increment Receipts. The application of Tax Increment receipts is as follows: (a) Revenue Fund. All Tax Increment receipts shall, as and when received, be deposited into the Revenue Fund. All moneys at any time in the Revenue Fund shall be applied on a monthly basis to the payment of any arbitrage rebate due under Section 148(f) of the Code, to the payment of fees and expenses of the Trustee and 22 any Paying Agent, and to the early redemption of the Series 2005 Bonds, at the times and in the amounts set forth as follows: (b) Redemption Fund. After making any required deposits into the Rebate Fund and after paying the fees and expenses of the Trustee and any Paying Agent, there shall be paid from the Revenue Fund into the Redemption Fund all remaining moneys in the Revenue Fund. Moneys in the Redemption Fund shall be transferred to the Bond Fund at such times as may be necessary to effectuate redemptions of the Series 2005 Bonds on the first available redemption date. There shall also be transferred to the credit of the Redemption Fund moneys in the Project Fund not needed to complete the Project and the first $120,000 of any proceeds realized by the City upon the sale of any of the real property originally acquired with the proceeds of the Series 2005 Bonds. See the captions "THE SERIES 2005 Bonds — Redemption" and "PROJECTED TAX INCREMENT AND MANDATORY REDEMPTIONS" herein. (c) Bond Fund. On any redemption date for the Series 2005 Bonds, the Trustee shall transfer to the Bond Fund from the Redemption Fund an amount equal to the Accreted Amount of each Series 2005 Bond being redeemed on such date unless payment of such amount shall be otherwise provided for. Moneys in the Bond Fund shall be used solely for the purpose of paying Annual Debt Service on the Bonds upon redemption or final maturity. The Trustee shall withdraw from the Bond Fund, on the date of maturity or final redemption, an amount equal to the Accreted Value of the Series 2005 Bonds maturing or being called for redemption for the sole purpose of paying the same. (d) Project Fund. A portion of the proceeds of the Series 2005 Bonds shall be deposited in the Project Fund. See the caption "ESTIMATED SOURCES AND USES OF FUNDS" herein. In addition, upon the sale by the City of any portion of the real property originally acquired with the proceeds of the Series 2005 Bonds, sale proceeds in excess of $120,000 shall be deposited in the Project Fund. Amounts in the Project Fund shall be expended only for the payment or reimbursement of Project Costs upon the submission of Requisitions by the City to the Trustee; provided, however, expenditures related to the sidewalk and crosswalk construction components of the Project shall be made only from the property sale proceeds described in the preceding sentence. The Trustee shall only make payments from the Project Fund pursuant to and in accordance with Requisitions. Within ninety (90) days following completion of the Project (not including the sidewalk and crosswalk improvements), the City shall deliver to the Trustee its Certificate stating that the Project is complete and the Trustee shall transfer the remaining moneys in the Project Fund (save and except moneys needed to satisfy unpaid Project Costs) to the Redemption Fund for application to the retirement of the Series 2005 Bonds. See the caption "THE SERIES 2005 Bonds — Redemption" herein. (e) Cost of Issuance Fund. A portion of the proceeds of the Series 2005 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 the Series 2005 Bonds, any remaining moneys in the. Cost of Issuance Fund shall be transferred to 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 payment of the Bonds. Subject to transfer to the United States in payment of any arbitrage rebate due under Section 148(O 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. 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 Securities with maturity or redemption dates consistent with the times at which said moneys will be required for the purposes provided in the Indenture. 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. Investments in any Fund or Account shall be evaluated at least annually by the Trustee. For the purpose of determining the amount in any Fund or Account, the City and the Trustee shall value all Investment Securities credited to such Fund or Account at the price at which such Investment Securities 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 23 Investment Securities minus the amortization of any premium or plus the amortization of any discount thereon and (ii) the market value of such Investment Securities. The Trustee shall sell or present for redemption any Investment Securities 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 any and all times 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 receipts from the Tax Increment 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, (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 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 24 (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 accreted 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. 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 ofBondholders. 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: 25 (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; (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 (I) below and which, in the judgment of the Trustee, is not to the prejudice of the Trustee. Supplemental Indentures Requiring Consent ofBondholders. 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, 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 2005 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 Rule 15c2-12 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. 26 The Continuing Disclosure Agreement contains the following covenants and provisions: (a) The City shall, not later than August I of each year, commencing August 1, 2005, 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 lithe 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 Increment receipts during the latest Fiscal Year and for all previous Fiscal Years; (ii) The most recent determination of the "incremental value" (as defined in the Act) of real property within the District and all such previous determinations; (iii) The total principal amount and Accreted Value of all Series 2005 Bonds Outstanding as of the end of the latest Fiscal Year and as of the end of each previous Fiscal Year; and (iv) The principal amount and Accreted Value of all Series 2005 Bonds redeemed during the latest Fiscal Year and such amounts as were redeemed in previous Fiscal Years. (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; (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 2005 Bonds; (vii) Modifications to rights of Bondowners; (viii) Bond calls; (ix) Defeasances; (x) Release, substitution or sale of property securing payment of the Series 2005 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 2005 Bonds, and shall be enforceable by any Beneficial Owner of the Series 2005 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 2005 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. 27 • (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 2005 Bonds, including Persons holding Series 2005 Bonds through nominees or depositories. "Disclosure Representative" means the City's Finance and 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 maybe 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 Crews & Associates, Inc. "Repository" means each National Repository and the Arkansas State Repository. "Specified Events" means each of the events with respect to the Series 2005 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 2005 Bonds in the secondary market. Consequently, such a failure may adversely affect the transferability and liquidity of the Series 2005 Bonds. UNDERWRITING Under a bond purchase agreement entered into by and among the City and Crews & Associates, Inc. (the "Underwriter'), the Series 2005 Bonds are being purchased at a purchase price of $ (representing the stated principal amount of the Series 2005 Bonds less an underwriting discount of $). The bond purchase agreement provides that the Underwriter will purchase all of the Series 2005 Bonds if any are purchased. The obligation of the Underwriter to accept delivery of the Series 2005 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 District or the Series 2005 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 2005 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 2005 Bonds to the public, and may offer the Series 2005 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 2005 Bonds, including certain liabilities under federal securities laws. TAX MATTERS Federal Income Taxes. In the opinion of Kutak Rock LLP, Bond Counsel, under existing laws, regulations, rulings and judicial decisions, interest on the Series 2005 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. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Code that must be satisfied subsequent to the issuance of the 28 Series 2005 Bonds. Failure to comply with certain of such requirements may cause interest on the Series 2005 Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Series 2005 Bonds. The City has covenanted to comply with such requirements. Notwithstanding Bond Counsel's opinion that interest on the Series 2005 Bonds is not a specific preference item for purposes of the federal alternative minimum tax, such interest will be included in adjusted current earnings of certain corporations, and such corporations are required to include in the calculation of alternative minimum taxable income 75% of the excess of such corporation's adjusted current earnings over its alternative minimum taxable income (determined without regard to such adjustment and prior to reduction for certain net operating losses). Bond Counsel has expressed no opinion regarding other federal tax consequences arising with respect to the Series 2005 Bonds. The accrual or receipt of interest on the Series 2005 Bonds may otherwise affect the federal income tax liability of the owners of the Series 2005 Bonds. The extent of these other tax consequences will depend upon such owner's particular tax status and other items of income or deduction. Bond Counsel has expressed no opinion regarding any such consequences. Purchasers of the Series 2005 Bonds, particularly purchasers that are corporations (including S corporations and foreign corporations operating branches in the United States), property or casualty insurance companies, banks, thrifts or other financial institutions, certain recipients of Social Security or Railroad Retirement benefits, taxpayers otherwise entitled to claim the earned income credit, or taxpayers who may be deemed to have incurred or continued indebtedness to purchase or carry tax-exempt obligations, should consult their tax advisors as to the tax consequences of purchasing or owning the Series 2005 Bonds. Changes in Federal Tax Law. From time to time, there are legislative proposals in the Congress that, if enacted, could alter or amend the federal tax matters referred to above or adversely affect the market value of the Series 2005 Bonds. It cannot be predicted whether or in what form any such proposal might be enacted or whether if enacted it would apply to bonds issued prior to enactment. Purchasers of the Series 2005 Bonds should consult their tax advisors regarding any pending or proposed tax legislation. The opinions expressed by Bond Counsel are based upon existing legislation as of the date of issuance and delivery of the Series 2005 Bonds, and Bond Counsel has expressed no opinion as of any date subsequent thereto or with respect to any pending legislation. State Taxes. Bond Counsel is of the opinion that, under existing law, the interest on the Series 2005 Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. LEGAL MATTERS Legal Opinions. Legal matters incident to the authorization and issuance of the Series 2005 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 2005 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 2005 Bonds or questioning or affecting the legality of District or of the Series 2005 Bonds or the proceedings and authority under which the Series 2005 Bonds are to be issued, or questioning the right of the City to issue the Series 2005 Bonds. There is no action, suit or proceeding known to be pending or threatened, restraining or enjoining the City in any way which could have a material adverse effect on the City or its financial affairs. 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 2005 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 30 APPENDIX A PROPOSED FORM OF BOND COUNSEL OPINION Kutak Rock LIP, Bond Counsel, will render an opinion with respect to the Series 2005 Bonds, dated the date of issuance and delivery thereof, in substantially the following form: April _.2005 City of Fayetteville, Arkansas Fayetteville, Arkansas as Trustee Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,735,000' City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project) Series 2005 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 $3,735,000• Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 and Arkansas Code Annotated (Supp. 2003) §§14-168-301 et seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. _ of the City, duly adopted and approved on 2005 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and , 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. 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. A-1 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, Amendment 78 and 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 receipts of the Tax Increment (as defined in the Indenture), subject to a parity pledge of such receipts securing any Additional Bonds (as such term is defined in the Indenture) issued hereafter. 5. The Tax Increment receipts have been duly and validly assigned and pledged to the Trustee under the Indenture. 6. Interest on the Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Internal Revenue Code of 1986, as amended, that must be met subsequent to the issuance of the Bonds. Failure to comply with such requirements could cause interest on the Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Bonds. The City has covenanted to comply with such requirements. 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, A-2 APPENDIX B SERIES 2005 ACCRETION SCHEDULE Date Accreted Value of a $5,000 Bond 4-19-05 $ 5,000.00 8-1-05 5,092.08 2-1-06 5,257.58 8-1-06 5,428.45 2-1-07 5,604.87 8-1-07 5,787.03 2-1-08 5,975.11 8-1-08 6,169.30 2-1-09 6,369.80 8-1-09 6,576.82 2-1-10 6,790.57 8-1-10 7,011.26 2-1-11 7,239.13 8-1-11 7,474.40 2-1-12 7,717.32 8-1-12 7,968.13 2-1-13 8,227.09 8-1-13 8,494.47 2-1-14 8,770.54 8-1-14 9,055.59 2-1-15 9,349.89 8-1-15 9,653.76 2-1-16 9,967.51 8-1-16 10,291.46 2-1-17 10,625.93 8-1-17 10,971.27 2-1-18 11,327.84 8-1-18 11,695.99 2-1-19 12,076.11 8-1-19 12,468.59 2-1-20 12,873.81 8-1-20 13,292.21 2-1-21 13,724.21 8-1-21 14,170.25 2-1-22 14,630.78 8-1-22 15,106.28 2-1-23 15,597.23 8-1-23 16,104.15 2-1-24 16,627.33 Lai Date 8-1-24 2-1-25 8-1-25 2-1-26 8-1-26 2-1-27 8-1-27 2-1-28 8-1-28 2-1-29 8-1-29 Accreted Value of a $5.000 Bond 17,167.92 17,725.88 18,301.97 18,896.79 19,510.93 20,145.04 20,799.75 21,475.74 22,173.71 22,894.35 23,638.42 B-2 D-2 KUTAK ROCK LLP DRAFT 03/15/05 CONTINUING DISCLOSURE AGREEMENT This Continuing Disclosure Agreement dated as of April _, 2005 (this "Agreement"), is executed and delivered by the City of Fayetteville, Arkansas (the "City") and , as trustee (the "Trustee"), in connection with the issuance of the City's $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project), Series 2005 (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 March_, 2005 (the "Authorizing Ordinance"), and a Trust Indenture dated as of April 15, 2005 (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.I5c2-12) (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 and 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. 10-106557.1 "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 Crews & Associates, Inc. "Repository" shall mean each National Repository and the Arkansas State Repository, if any. "Rule" 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"). "Tax Increment" shall have the meaning given such term in the Act, as determined by multiplying the incremental value of the real property within the District by the maximum applicable ad valorem rate permitted pursuant to the Act. "Specified Events" shall mean any of the events with respect to the Bonds listed in Section 5(a) of this Agreement. Section 3. Provision of Annual Financial Information. (a) The City shall, not later than August 1 of each year, commencing August 1, 2005, 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. 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 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 10-106557.1 2 (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 Increment receipts during the latest Fiscal Year and for all previous Fiscal Years; (ii) The most recent determination of "incremental vale" (as defined in the Act) of real property within the District and all such previous determinations; (iii) The total principal amount and Accreted Value of all Bonds Outstanding as of the end of the latest Fiscal Year and as of the end of each previous Fiscal Year; and (iv) The principal amount and Accreted Value of all Bonds redeemed during the latest Fiscal Year and such amounts as were redeemed in previous Fiscal Years; (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; (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; 10.106557.1 3 0_ (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 (ii) notice of the Specified Events described in subsections (a)(8) 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 10-106557.1 S • . .. 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. (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 IX of the Indenture is hereby made applicable to this Agreement as if this Agreement were (solely for this purpose) contained in the Indenture. The Trustee shall have only such duties as are specifically set forth 10-106557.1 5 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 as Trustee By: Title: 10-106557.1 6 I .• --- ---- • EXHIBIT A NOTICE TO REPOSITORIES REGARDING FINANCIAL INFORMATION NAME OF ISSUER: City of Fayetteville, Arkansas NAME OF BOND ISSUE: $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project), Series 2005 DATE OF ISSUANCE: April _, 2005 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 April , 2005, between the City and , as trustee. [The City anticipates that the Annual Financial Information will be filed by Dated: cc: City of Fayetteville Crews & Associates, Inc. 10-106557.1 as Trustee A-1 r 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.see.gov/info/municipal/nrmsir.htm. Bloomberg Municipal Repository 100 Business Park Drive Skillman, New Jersey 08558 Phone: (609) 279-3225 Fax: (609) 279-5962 http://www.bloomberg.com/markets/rates/municontacts.html E-mail: Munis@Bloomberg.com DPC Data Inc. One Executive Drive Fort Lee, New Jersey 07024 Phone: (201) 346-0701 Fax: (201) 947-0107 http://www.dpcdata.com E-mail: nrmsir@dpcdata.com FT Interactive Data Attn: NRMSIR 100 Williams Street, 15a' Floor New York, New York 10038 Phone: (212) 771-6999; (800) 689-8466 Fax: (212) 771-7390 http://www.ftid.com Email: NRMSIR@interactivedata.com Standard & Poor's Securities Evaluations, Inc. 55 Water Street 45th Floor New York, New York 10041 Phone: (212) 438-4595 Fax: (212) 438-3975 www.jjkenny/jjkenny/pser descrip data rep.html Email: nrmsir_repository@sandp.com 10-106557.1 0 BOND PURCHASE AGREEMENT March 15, 2005 City of Fayetteville City Administration Building 113 West Mountain Fayetteville, Arkansas 72701 KUTAK ROCK LLP DRAFT 03/15/05 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 Ladies and Gentlemen: On the basis of the representations, warranties and agreements and upon the terms and conditions contained herein, the undersigned, Crews & Associates, 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 March 15, 2005. 1. General. Upon the terms and conditions and in reliance upon the City's 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 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"), at the purchase price (the "Purchase Price") of $3,576,000.00 (equal to the par amount of the Bonds less underwriter's discount of $149,000.00). The Bonds shall be issued by the City pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 to the Constitution and Arkansas Code Annotated (2003 Supp.) §§14-168-301 et seq. (the "Act"). The Bonds will constitute special and and payable solely from (1) a pledge of and defined below) of the City's Highway 71 "District") authorized under the Act, and (2 Fund, Project Fund and Redemption Fund e April 15, 2005 (the "Indenture"), by and b Fayetteville, Arkansas, as trustee (the "Tru limited obligations of the City, secured solely by lien on the receipts from the Tax Increment (as last Square Redevelopment District No. I (the moneys on deposit in the Revenue Fund, Bond tablished by a Trust Indenture to be dated as of :tween the City and The Bank of Fayetteville, tee"), all as more particularly described in the 10-106556.1 Indenture. The Tax Increment has the meaning set forth in the Act and is determined by multiplying the incremental increase in value of the real property within the District following its creation by the maximum applicable ad valorem rate permitted pursuant to the Act. The Bonds shall be issued and secured pursuant to Ordinance No. _ of the City Council of the City which was adopted on March 15, 2005 (the "Authorizing Ordinance"), and pursuant to the Indenture. The Bonds shall be issued in $5,000 denominations and integral multiples of $5,000 in excess thereof, shall mature on August 1, 2029 and shall bear interest at the rate of 6.50% per annum. Interest on the Bonds will accrete, compounded semiannually, as shown on 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 (i) to pay the costs of the 2005 Project (as defined in the Indenture), and (ii) to pay the costs of issuance of the Bonds. 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. 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 appendices thereto, dated March 11, 2005, 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 March 15, 2005, 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 10-106556.1 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 2005 Project. (b) The City has the full legal right, power and authority (i) to adopt Ordinance Nos. 4608 and 4662 creating the District (collectively, the "Creation Ordinances"), (ii) to adopt Ordinance Nos. 4646, 4663 and _ approving the project plan for the District (collectively, the "Project Plan Ordinances"), (iii) to adopt the Authorizing Ordinance authorizing the issuance of and sale of the Bonds, (iv) to enter into this Bond Purchase Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (v) to issue, sell and deliver the Bonds to the Underwriter as provided herein, (vi) to pledge irrevocably the receipts of the Tax Increment 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. (c) The City has duly authorized (i) the execution and delivery of the Bonds and the execution, delivery and due performance of this Bond Purchase Agreement, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement, (ii) the distribution and use of the Preliminary Official Statement and the execution, delivery and distribution of the final Official Statement, and (iii) 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 Creating Ordinances, the Project Plan Ordinances and the Authorizing Ordinance have been duly adopted by City Council 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 Continuing Disclosure Agreement and the Tax 10-106556.1 Regulatory Agreement, when executed and delivered, will constitute legal, valid and binding obligations of the City, and this Bond Purchase Agreement, the Indenture, 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. (I) 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 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, the Creating Ordinances or the Project Plan Ordinances, the execution and delivery of this Bond Purchase Agreement, the Bonds, the Indenture, 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 10-106556.1 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 Creating Ordinances, the Project Plan Ordinances, the Bonds, the Indenture, the Continuing Disclosure Agreement and the Tax Regulatory Agreement have been obtained. (j) 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 or the pledge of the Tax Increment, or wherein an unfavorable decision, ruling or fording 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 Creating Ordinances, the Project Plan Ordinances, the Bonds, the Indenture, 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. (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 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. 10-106556.1 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, Tax Increment receipts, and the current financial condition and valuation of property within the District, all as the Underwriter may reasonably request. 6. Closing. At 10:00 a.m. Little Rock time on April 19, 2005, 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 Fayetteville, Fayetteville, Arkansas, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 instruments as described in Section 8 of this Bond Purchase Agreement shall occur in the offices of Kutak Rock LLP, 425 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 10-106556.1 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, 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 10-106556.1 ELI (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) there shall have been legislation enacted by the General Assembly of the State of Arkansas or there shall have been a decision rendered by a court of competent jurisdiction in the State of Arkansas that has, in the reasonable judgment of the Underwriter, the effect of reducing the amount of the Tax Increment available to secure the Bonds; or (xii) 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. 8. 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 forms approved by the City in the Indenture with only such changes therein as the 8 10-106556.1 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 Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, 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 or the Tax Increment shall have occurred, nor shall any development involving a prospective and material adverse change in, or affecting the business, financial condition, results of operations, prospects or properties of the District or the City have occurred; (c) Receipt of fully executed originals of the Indenture, 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 Underwriter 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, the Creating Ordinances and the Project Plan Ordinances and all other ordinances and resolutions of the City relating to the Bonds; (5) Photocopies of the Bonds as executed and delivered; (6) 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, the Creating Ordinances and the Project Plan Ordinances by all action necessary under the Act and the laws and Constitution of the State of Arkansas, including Amendment 78, and has duly authorized the execution, delivery and due performance of the Bonds, the Indenture, the Continuing Disclosure 10-106556.1 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 Increment, the Official Statement, the Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, the Indenture, the Continuing Disclosure Agreement, the Tax Regulatory Agreement, or this Bond Purchase Agreement; (iv) the Bonds, the Indenture, 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) none of the Authorizing Ordinance, the Creating Ordinances nor the Project Plan Ordinances have been amended, modified or repealed as of the Closing Date, and the Authorizing Ordinance, the Creating Ordinances and the Project Plan Ordinances 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, 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 issue the Bonds for the purposes stated in the Act and to enter into this Bond Purchase Agreement, to adopt the Authorizing Ordinance, the Creating Ordinances and the Project Plan Ordinances, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 signing the certificate, no event affecting the City or the Tax Increment 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; (7) 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, the Creating Ordinances and the Project Plan Ordinances, to execute and deliver the Bonds, the Indenture, 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, the Creating Ordinances and the Project Plan Ordinances 10 10-106556.1 have been duly adopted by the City by all action necessary under the Act and the laws and Constitution of the State of Arkansas, and remain in full force and effect; (iv) the Indenture, 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 PROJECT," "THE CITY AND THE DISTRICT" 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 Increment, the Authorizing Ordinance, the Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 Creating Ordinances, the Project Plan Ordinances, the Indenture, 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 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; (8) Evidence that Federal Form 8038-G has been executed by the City and is ready for filing with the Internal Revenue Service. (9) 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 11 10-106556.1 (10) 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 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 10-106556.1 • 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 Crews & Associates, Inc., First Security Center, 521 President Clinton Avenue, Suite 800, Little Rock, AR 72201, Attention: Mr. Robert Wright. 14. Nonassignability. 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 10-106556.1 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, CREWS & ASSOCIATES, INC. By: Authorized Representative TIME Accepted and agreed to as of the date first above written: CITY OF FAYETTEVILLE, ARKANSAS By: Title: Mayor 14 104 06556.1 •.. EXHIBIT A ACCRETION SCHEDULE Date Accreted Value of a $5,000 Bond 4-19-05 $ 5,000.00 8-1-05 5,092.08 2-1-06 5,257.58 8-1-06 5,428.45 2-1-07 5,604.87 8-1-07 5,787.03 2-1-08 5,975.11 8-1-08 6,169.30 2-1-09 6,369.80 8-1-09 6,576.82 2-1-10 6,790.57 8-1-10 7,011.26 2-1-11 7,239.13 8-1-11 7,474.40 2,1-12 7,717.32 8-1-12 7,968.13 2-1-13 8,227.09 8-1-13 8,494.47 2-1-14 8,770.54 8-1-14 9,055.59 2-1-15 9,349.89 8-1-15 9,653.76 2-1-16 9,967.51 8-1-16 10,291.46 2-1-17 10,625.93 8-1-17 10,971.27 2-1-18 11,327.84 8-1-18 11,695.99 2-1-19 12,076.11 8-1-19 12,468.59 2-1-20 12,873.81 8-1-20 13,292.21 2-1-21 13,724.21 8-1-21 14,170.25 2-1-22 14,630.78 8-1-22 15,106.28 2-1-23 15,597.23 8-1-23 16,104.15 2-1-24 16,627.33 10-106556.1 A-1 r 8-1-24 2-1-25 8-1-25 2-1-26 8-1-26 2-1-27 8-1-27 2-1-28 8-1-28 2-1-29 8-1-29 10-106556.1 A-2 Accreted Value of a $5000 Bond 17,167.92 17,725.88 18,301.97 18,896.79 19,510.93 20,145.04 20,799.75 21,475.74 22,173.71 22,894.35 23,638.42 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: April _, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas The Bank of Fayetteville, as Trustee Fayetteville, Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 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 $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project), Series 2005 (the "Bonds"). The Bonds are being issued pursuant to the provisions of the Constitution and laws of the State of Arkansas, including, particularly, Amendment 78 and Arkansas Code Annotated (Supp. 2003) §§14-168-301 et seq. (as from time to time amended, the "Act"), pursuant to Ordinance No. of the City, duly adopted and approved on Marches 2005 (the "Authorizing Ordinance"), and pursuant to a Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City and The Bank of Fayetteville, 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 10-106556.1 B -I 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. 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, Amendment 78. and 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 receipts of the Tax Increment (as defined in the Indenture). 5. The Tax Increment receipts have been duly and validly assigned and pledged to the Trustee under the Indenture. 6. Interest on the Bonds is excluded from gross income for federal income tax purposes and is not a specific preference item for purposes of the federal alternative minimum tax. The opinion described in the preceding sentence assumes the accuracy of certain representations and compliance by the City with covenants designed to satisfy the requirements of the Internal Revenue Code of 1986, as amended, that must be met subsequent to the issuance of the Bonds. Failure to comply with such requirements could cause interest on the Bonds to be included in gross income for federal income tax purposes retroactive to the date of issuance of the Bonds. The City has covenanted to comply with such requirements. 7. The interest on the Bonds is exempt from all state, county and municipal taxes in the State of Arkansas. 10-106556.1 B-2 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, 10-106556.1 B-3 EXHIBIT C PROPOSED FORM OF BOND COUNSEL SUPPLEMENTAL OPINION April_, 2005 City of Fayetteville, Arkansas Fayetteville, Arkansas The Bank of Fayetteville, as Trustee Fayetteville, Arkansas Crews & Associates, Inc. Little Rock, Arkansas $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 Eat Square Redevelopment District No. I Project) Series 2005 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 March _, 2005 (the "Bond Purchase Agreement"), by and between the City and Crews & Associates, Inc., as underwriter (the "Underwriter"); (b) An executed counterpart of the Continuing Disclosure Agreement dated April _, 2005 (the "Disclosure Agreement"), by and between the City and The Bank of Fayetteville, as trustee (the "Trustee"); (c) An executed counterpart of the Tax Regulatory Agreement dated April _, 2005 (the "Tax Regulatory Agreement"), by and between the City and the Trustee; and 10-106556.1 C- I S (d) Portions of the Official Statement dated March _, 2005, with respect to the Bonds (the "Official Statement"), captioned "INTRODUCTORY STATEMENT," "THE SERIES 2005 BONDS," "SECURITY FOR THE BONDS,", "ESTIMATED SOURCES AND USES OF FUNDS," "DEFINITIONS OF CERTAIN TERMS," "SUMMARY OF THE INDENTURE," "SUMMARY OF THE CONTINUING DISCLOSURE AGREEMENT," "I'AX 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 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. 3. 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. 4. 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 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, 10-106556.1 C-2 KUTAK ROCK LLP DRAFT 03/09/05 CITY OF FAYETTEVILLE, ARKANSAS to as Trustee TRUST INDENTURE Dated as of April 15, 2005 Providing for: City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. I Project) Series 2005 Prepared by: Kutak Rock LLP 425 West Capitol Avenue, Suite 1100 Little Rock, Arkansas 72201 10-708315 0 TABLE OF CONTENTS 0 (This Table of Contents is not a part of the Trust Indenture and is only for convenience of reference.) Parties.......................................................................................... Recitals...................................................................................................... GrantingClauses....................................................................................... ARTICLE I DEFINITIONS Section 101. Definitions .............................................. Section 102. Use of Words ......................................... ARTICLE II THE BONDS ...........0.. ...0.......... Section 201. Security for the Bonds...................................................................................10 Section 202. Authorized Amount.......................................................................................11 Section 203. Details of Bonds............................................................................................. 11 Section204. Form............................................................................................................... 11 Section205. Payment.......................................................................................................... 12 Section206. Execution....................................................................................................... 12 20 Section 7. Authentication................................................................................................ 12 Section 208. Delivery of the Bonds....................................................................................12 Section 209. Mutilated, Destroyed or Lost Bonds.............................................................. 13 Section 210. Registration and Transfer of Bonds............................................................... I4 Section211. Cancellation................................................................................................... 15 Section212. Additional Bonds...........................................................................................15 Section 213. Superior Obligations Prohibited.................................................................... 15 Section 214. [RESERVED]................................................................................................ 16 Section215. Temporary Bonds...........................................................................................16 ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY Section 301. Redemption......................................................................... Section302. Notice.................................................................................. Section 303. Selection of Bonds to be Redeemed ................................... Section 304. Surrender of Bonds Upon Redemption ............................... 10-70831.5 i 16 17 17 17 Section 305. Redemption in Part........................................................................................ 17 Section 306. Payment of Redemption Price.......................................................................18 Section 307. Redemption of Additional Bonds..................................................................18 ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Section 401. Payment of Principal, Premium, if any, and Interest ..................................... 18 Section 402. Performance of Covenants.............................................................................18 Section 403. Instruments of Further Assurance.................................................................. 19 Section 404. Recordation and Filing. 19 Section 405. Inspection of Books....................................................................................... 19 Section406. Tax Covenants............................................................................................... 19 Section 407. Trustee's and Paying Agent's Fees and Expenses ......................................... 19 Section 408. Completion of Project; Certification of Completion Date ............................. 20 Section 409. Encumbrances................................................................................................ 20 Section 410. Continuing Disclosure................................................................................... 20 ARTICLE V FUNDS AND DEPOSITS Section Section502. Section503. Section504. Section 501. 505. Creation of Funds and Accounts.................................................................... Project Fund............................................................................................... Revenue Fund................................................................................................ Bond Fund...................................................................................................... Cost of Issuance Fund.................................................................................... 20 .21 22 23 23 Section506. Section507. Section Section 508. 509. Redemption Fund........................................................................................... Rebate Fund................................................................................................... Debt Service Reserve Fund............................................................................ Cessation of Fund Deposits........................................................................... 23 24 25 25 Section 510. Separate Accounts Authorized....................................................................... 25 ARTICLE VI INVESTMENTS Section 601. Investment of Moneys.................................................................................... 26 Section 602. Investment Earnings....................................................................................... 26 Section 603. Responsibility of Trustee............................................................................... 27 10-70831.5 ii ARTICLE VII DISCHARGE OF LIEN Section 701. Discharge of Lien........................................................................................... 27 Section 702. Bonds Deemed Paid....................................................................................... 27 Section 703. Non -Presentment of Bonds............................................................................ 27 ARTICLE VIII DEFAULT PROVISIONS AND REMEDIES OF TRUSTEE AND BONDHOLDERS Section 801. Events of Default........................................................................................... 28 Section802. Acceleration................................................................................................... 28 Section 803. Other Remedies; Rights of Bondholders....................................................... 29 Section 804. Right of Bondholders to Direct Proceedings ................................................. 29 Section 805. Appointment of Receiver............................................................................... 29 Section806. Waiver............................................................................................................ 29 Section 807. Application of Moneys.................................................................................. 30 Section 808. Remedies Vested in Trustee........................................................................... 31 Section 809. Rights and Remedies of Bondholders............................................................ 31 Section 810. Termination of Proceedings........................................................................... 32 Section 811. Waivers of Events of Default......................................................................... 32 ARTICLE IX TRUSTEE AND PAYING AGENTS Section 901. Acceptance of Trusts...................................................................................... 32 Section 902. Fees, Charges and Expenses of Trustee and Paying Agents; Trustee's PriorLien................................................................................................ .... 34 Section 903. Additional Duties of Trustee.......................................................................... 35 Section 904. Notice to Bondholders of Default..................................................................35 Section 905. Intervention by Trustee.................................................................................. 36 Section 906. Merger or Consolidation of Trustee............................................................... 36 Section 907. Resignation by Trustee.................................................................................. 36 Section 908. Removal of Trustee........................................................................................ 36 Section 909. Appointment of Successor Trustee................................................................ 36 Section 910. Concerning Any Successor Trustee............................................................... 36 Section 911. Reliance Upon Instruments............................................................................ 37 Section 912. Appointment of Co-Trustee........................................................................... 37 Section 913. Designation and Succession of Paying Agents .............................................. 38 10-70831.5 iii ARTICLE X SUPPLEMENTAL INDENTURES Section 1001. Section 1002. Section 1003. Section 1101. Section 1102. Section 1103. Section 1104. Section 1105. Section 1106. Section 1107. Section 1108. Section 1109. Section 1110. Exhibit A Exhibit B Exhibit C Supplemental Indentures Not Requiring Consent of Bondholders ................ 38 Supplemental Indentures Requiring Consent of Bondholders ....................... 39 Effect of Supplemental Indentures................................................................. 40 ARTICLE XI MISCELLANEOUS Consents, etc. of Bondholders ..................... Notices.......................................................... Limitation of Rights ...................................... Severability................................................... Applicable Provisions of Law....................... Counterparts.................................................. Successors and Assigns ................................. Captions........................................................ Photocopies and Reproductions.................... Bonds Owned by the City ............................. Form of Series 2005 Bond ................. Form of Requisition............................, Series 2005 Bond Accretion Schedule 10-70831.5 iv ................................................. 40 ................................................. 40 ................................................. 41 ................................................. 41 ................................................. 41 ................................................. 41 .....................6........................... 41 ................................................. 41 ................................................. 41 ................................................. 42 A-1 B-1 C-1 TRUST INDENTURE THIS TRUST INDENTURE is made and entered into as of April 15, 2005, by and between the CITY OF FAYETTEVILLE, ARKANSAS (the "City"), a city of the first class organized under and existing by virtue of the laws of the State of Arkansas, and [TRUSTEE NAME], as trustee (the "Trustee"), a organized under and existing by virtue of the laws of the and having its principal corporate trust office in Arkansas; WITNESSETH: WHEREAS, the City Council of the City has determined that there is a great need for a source of revenue to finance the costs of alleviating certain blight and encouraging economic development within the City and in furtherance of such purposes has created the Highway 71 East Square Redevelopment District No. I (the "District") pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004; and WHEREAS, the specific actions needed to alleviate such blight and encourage such development consist of (i) the acquisition of certain real property and the demolition of existing structures thereon, which property is located within the District and consists of the former Mountain Inn property and surrounding parcels, and (ii) the construction of certain sidewalk and crosswalk improvements within the District (the "2005 Project"); and WHEREAS, following the acquisition and demolition components of the 2005 Project described above, and upon the satisfaction of certain conditions set forth in that certain 2005 Redevelopment Agreement of even date herewith, the City intends to transfer the cleared real property to for the purpose of constructing a hotel and meeting facility thereon; and WHEREAS, the City is authorized and empowered under the provisions of the Constitution and laws of the State of Arkansas, including particularly Amendment 78 to the Constitution of the State of Arkansas ("Amendment 78") and Arkansas Code Annotated (2003 Supp.) Sections 14-168-301 et seq. (as from time to time amended, the "Act"), to issue and sell its bonds to finance the costs of various capital improvements within the District such as those comprising the 2005 Project, which bonds are to be secured by and payable from the ad valorem tax increment described in and authorized by the Act; and WHEREAS, pursuant to the provisions of Ordinance No. of the City, adopted by the City Council on [March 15], 2005 (the "Authorizing Ordinance"), and in accordance with the provisions of Amendment 78 and the Act, the City proposes to issue its Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Series 2005 Bonds") in the aggregate principal amount of $ , in order to provide for the financing of the 2005 Project; and 10-70831.5 0 WHEREAS, the City has further determined to enter into this Indenture to authorize the issuance of and to secure the Series 2005 Bonds by granting to the Trustee a pledge and assignment of the interests and other rights herein contained, and certain funds and accounts created hereby; and WHEREAS, the Series 2005 Bonds are to be dated, bear interest, mature and be subject to redemption as hereinafter in this Indenture set forth in detail; and WHEREAS, provision is made in this Indenture for the issuance of Additional Bonds (hereinafter defined) upon compliance with certain conditions set forth herein; and WHEREAS, the execution and delivery of this Indenture and the issuance of the Series 2005 Bonds have been in all respects duly and validly confirmed, authorized and approved under the provisions of the Authorizing Ordinance; and WHEREAS, all things necessary to make the Series 2005 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 pledge of the Tax Increment (as defined herein) to the payment of the principal of, premium, if any, and interest on the Series 2005 Bonds, as specified in and in accordance with 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 2005 Bonds, subject to the terms hereof, have in all respects been duly authorized; NOW, THEREFORE, KNOW ALL MEN 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 2005 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, premium, if any, and interest on the Series 2005 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 2005 Bonds and Additional Bonds (collectively, the "Bonds"), 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 securing of the performance of the obligations of the City hereinafter set forth the following: 1. Subject only to the provisions of this Indenture permitting the application thereof for the purposes and on the terms and conditions set forth herein, the Tax Increment (as defined herein) and the Revenue Fund established by this Indenture, which are hereby irrevocably assigned and pledged to secure all obligations under this Indenture; and 10-70831.5 * 0 2. Separately to each series of Bonds issued hereunder, but subject to the provisions of this Indenture permitting the application thereof for the purposes and on the terms and conditions set forth herein, the related Accounts of the Bond Fund, the Debt Service Reserve Fund, the Project Fund and the Redemption Fund established by this Indenture, including the investment earnings thereon, if any; and 3. Any and all other properties, rights and interests of every kind and nature (including any proceeds realized upon the sale of the real property acquired with the proceeds of the sale of the Series 2005 Bonds) from time to time which have been, are hereby, or hereafter are, by delivery or by writing or transfer of any kind, conveyed, mortgaged, pledged, assigned or transferred, as and for additional security hereunder, by the City or by any other Person, firm or corporation, or with the written consent of the City, to the Trustee, which is hereby authorized to receive any and all such properties, rights and interests 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 (except as to the separate security described in clause 2 above); without privilege, priority or distinction as to lien or otherwise of any of the Bonds over any of the other Bonds; and provided further, 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 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, 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 is to be and remain in full force and effect. 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 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 10-70831.5 covenant, with the Trustee and with the respective owners 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. "Accountant" means an independent certified public accountant or a firm of independent certified public accountants. "Accreted Value" means, with respect to each Series 2005 Bond: (a) for any $5,000 minimum authorized denomination of a Series 2005 Bond, as of any Accretion Date, the amount set forth in Exhibit C hereto as the Accreted Value of a Series 2005 Bond as of such Accretion Date; (b) as of any date (for purposes of this paragraph (b), a "Calculation Date") that is not an Accretion Date, the sum of (i) the Accreted Value determined under paragraph (a) above, as appropriate, as of the most recent Accretion Date plus (ii) the amount determined pursuant to the following formula: (A-B)(X/180), where "A" is the Accreted Value determined under paragraph (a) above as of the Accretion Date immediately following such Calculation Date; "B" is the Accreted Value determined under paragraph (a) above as of the most recent Accretion Date; and "X" is the number of days such Calculation Date follows the most recent Accretion Date, determined assuming that each month in such period contains 30 days. "Accretion Date" means, with respect to the Series 2005 Bonds, (i) the date on which the Series 2005 Bonds are first issued by the City and February 1 and August 1 of each year, commencing August 1, 2005. "Act" means the enabling legislation for Amendment 78, codified as Arkansas Code Annotated (2003 Supp.) Sections 14-168-301 et seq., as from time to time amended. "Additional Bonds" mean Bonds in addition to the Series 2005 Bonds which are issued under the provisions of Section 212 of this Indenture. "Amendment 78" means Amendment No. 78 to the Constitution of Arkansas, approved by the voters of the State on November 7, 2000. 10-708315 4 "Annual Debt Service" means, with respect to all or any particular amount of Bonds, as the case may be, 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 Increment receipts. With respect to the Series 2005 Bonds, "Annual Debt Service" means the Debt Service for any particular year which is deemed to accrete or mature as described under the definition of Debt Service set forth below. "Authorized Representative" means the Mayor of the City and such additional person or 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 [March 15], 2005, which authorized the issuance of the Series 2005 Bonds pursuant to this Indenture. "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 Section 501 of this Indenture. "Bond Purchase Agreement" means each bond purchase agreement executed between the City and the Original Purchaser or Purchasers of a series of Bonds issued hereunder. "Bonds" mean the Series 2005 Bonds and all Additional Bonds issued by the City pursuant to 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, 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 initial 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. "Completion Date" means the date upon which a particular Project is completed, as certified by a Qualified Engineer in accordance with Section 408 hereof. "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, 10-70831.5 but not limited to, underwriting discounts, fees and expenses, placement agent fees and 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. "Costs of Issuance Fund" means the fund by that name created and established in Section 501 of this Indenture. "Debt Service" means, with respect to all or any particular amount of Bonds, the total as of any particular date of computation and for any particular period of the scheduled amount of interest and amortization of principal payable on such Bonds, excluding amounts scheduled during such period which relate to principal which has been retired before the beginning of such period. With respect to the Series 2005 Bonds, "Debt Service" shall include the increase in Accreted Value during such period of computation and the pro rata portion of principal allocable to such period of computation, assuming that the principal of the Series 2005 Bonds matures on a level basis over the life of the Series 2005 Bonds, but excluding amounts which relate to Series 2005 Bonds which have been retired before the beginning of such period. "Debt Service Reserve Fund" means the fund by that name created and established in Section 501 of this Indenture. "District" means the Highway 71 East Square Redevelopment District No. 1 created by the City under the authority of Amendment 78 and the Act pursuant to Ordinance No. 4608 adopted on August 17, 2004, as amended by Ordinance No. 4662 adopted on December 28, 2004. "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 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. 10-70831.5 "Holder" or "Bondholder" or "owner of the Bonds" means the registered owner of any Bond. "Indenture" means this Trust Indenture dated as of April 15, 2005, between the City and the Trustee, pursuant to which the Bonds are issued, and any amendments and supplements hereto. "Investment Securities" 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; (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; and (e) money market mutual funds (1) that invest in Government Securities or that are registered with the U.S. 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. "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: 10-70831.5 7 0 (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. "Paying Agent" means any bank or trust company named by the City as the place at which the principal of and premium, if any, and interest on the Bonds are payable. "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. "Project" means the acquisition, construction, reconstruction, improving, extension or equipping of City infrastructure improvements to be financed with the proceeds of a series of Bonds. "2005 Project" means the acquisition of certain real property and the demolition of existing structures thereon, which property is located within the District and consists of the former Mountain Inn property and surrounding parcels, together with the construction of certain sidewalk and crosswalk improvements within the District. "Project Costs" shall have the meaning set forth in the Act, and shall include, with respect to a Project, all costs of planning, designing, purchasing, acquiring, constructing, reconstructing, improving, enlarging, extending, repairing, financing and placing a Project in operation, including the demolition of existing structures, and the costs of 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 a series of Bonds prior to the receipt of sufficient Tax Increment receipts to pay such interest as it becomes due; (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, reconstruction, improving, extending 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; 1070831.5 (d) all other costs incurred in connection with, and properly allocable to, the acquisition, construction, reconstruction, improving, extending and equipping of a Project; and (e) amounts to pay or reimburse the City, any City fund or any other entity for expenses incident and properly allocable to such planning, designing, purchasing, acquiring, constructing, reconstructing, 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 either (i) the City's Building Services Director and Project Manager or (ii) 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, 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. "Redemption Fund" means the fund by that name established in Section 501 of this Indenture. "2005 Redevelopment Agreement" means that certain Redevelopment Agreement dated April _, 2005, between the City and in connection with the 2005 Project. "Requisition" means a written requisition of the City in substantially the form set forth in Exhibit B hereto, 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. 10-70831.5 "Reserve Requirement" means, with respect to each series of Bonds issued hereunder, at any particular time, an amount equal to 10% of the total Outstanding principal amount of such series of Bonds. "Revenue Fund" means the fund by that name created and established in Section 501 of this Indenture. "Series 2005 Bonds" means the City's Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No.1 Project), Series 2005, issued under and secured by this Indenture in aggregate principal amount not to exceed $ "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. "Tax Increment" shall have the meaning set forth in the Act, as determined by multiplying the incremental value of the real property within the District by the maximum applicable ad valorem rate permitted pursuant to the Act. "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" means the banking corporation or association designated as Trustee in the Indenture, and its successor or successors as such Trustee. The original Trustee is "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 the 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. 10-70871.5 10 (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 2005 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 or the 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) Except for the specific security provided separately for each series of Bonds issued hereunder and described in clause 2 of the granting clauses of this Indenture, 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 receipts derived from the Tax Increment 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 revenues or receipts shall ever be used or deposited otherwise except as herein expressly permitted. (e) The City covenants that while any of the Bonds are Outstanding it will use due diligence in causing the collection of the Tax Increment. Section 202. Authorized Amount. There is hereby authorized the issuance of bonds of the City to be designated "City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005" in the aggregate principal amount of Dollars ($ ) (the "Series 2005 Bonds"). No Bonds may be issued under the provisions of this Indenture except in accordance with this Article II. Section 203. Details of Bonds. The Series 2005 Bonds (i) shall be dated as of April __ 2005 [DATE OF DELIVERY], (ii) shall accrete interest at the rate of% per annum from and including their dated date, such interest to be compounded semiannually on each February 1 and August 1, commencing August 1, 2005, as shown on Exhibit C hereto, and fully payable at maturity or upon earlier redemption of the Series 2005 Bonds, (iii) shall be issued in denominations of $5,000 each and in integral multiples of $5,000 in excess thereof, (iv) shall be numbered from R05-1 upwards in order of issuance according to the records of the Trustee, and (v) shall mature, unless sooner redeemed in the manner in this Indenture set forth, on August 1, 2029. Section 204. Form. The Series 2005 Bonds shall be initially issued as fully registered bonds, without coupons, in the form of one typewritten bond certificate to be delivered to The Depository Trust Company. The Series 2005 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 10-70831.5 11 ! Indenture. There shall be included with or printed on the Series 2005 Bonds the approving opinion of Bond Counsel. Section 205. Payment. The Series 2005 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, and accreted interest on the Series 2005 Bonds shall be payable upon surrender thereof at the principal corporate trust office of the Trustee. For purposes of this Indenture, interest on the Series 2005 Bonds shall be deemed to accrue and accrete on the basis of a 360 -day year of twelve 30 -day months. 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 the 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 Original Purchaser(s) as may be directed in this Section 208, in Section 212 hereof or in any Supplemental Indenture. (1) Prior to the delivery or original issuance by the Trustee of any authenticated Bonds of any series, there shall be delivered to the Trustee: (a) 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; (b) Original executed counterparts of the Tax Regulatory Agreement and Continuing Disclosure Agreement applicable to such series of Bonds; (c) An original executed Bond Purchase Agreement between the City and the Original Purchaser(s) of each series of Bonds; 10-70831.5 12 (d) With respect to the Series 2005 Bonds, an original executed counterpart of the 2005 Redevelopment Agreement; (e) 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; (f) A copy, duly certified by the City Clerk, of the proceedings of the City authorizing the issuance of the Bonds; (g) A written opinion of Bond Counsel approving the legality of the Bonds; (h) In the case of any series of Additional Bonds, a Certificate signed by the Mayor of the City 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; (i) In the case of any series of Additional Bonds, the Accountant's certificate described in Section 212 hereof and a written opinion of Bond Counsel to the effect that the exemption from federal income tax of the interest on the Series 2005 Bonds and any Additional Bonds theretofore issued will not be adversely affected by the issuance of the Additional Bonds being issued; and 0) Such further documents and certificates as may be required by the Original Purchaser(s) of such series of Bonds. (2) Upon the delivery of the Series 2005 Bonds to the Original Purchaser thereof, the Trustee shall apply the proceeds (i.e., $ ) as follows: (a) $ , an amount equal to the Reserve Requirement with respect to the Series 2005 Bonds, shall be deposited in the Series 2005 Account of the Debt Service Reserve Fund; (b) 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; and (c) The balance of said proceeds, in the amount of $ , shall be deposited in the Series 2005 Account of the Project Fund and disbursed as directed by the City pursuant to Section 502 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, 10-70831.5 13 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 Holder'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 Holder with the Trustee evidence satisfactory to the Trustee that such Bonds were destroyed or lost, and of the Holder'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, premium 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 effectual to satisfy and discharge the liability upon such Bond to the extent of the sum or sums so paid. Subject to the limitations set forth below, 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 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. 10-70831.5 14 The Trustee shall not be required to transfer or exchange any Bond after the mailing of notice calling such Bond for redemption has been made, and prior to such redemption. 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 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 a Project, (ii) refunding the Series 2005 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 2005 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 an Accountant's certificate stating that, based upon necessary investigation, the Tax Increment receipts transferred to the Trustee for deposit to the Revenue Fund during the most recent twelve (12) months were not less than (i) 150% of the average Annual Debt Service on all then Outstanding 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 Increment 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 Increment 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 Increment receipts and the Revenue Fund into the Bond Fund, Debt Service Reserve Fund and Redemption Fund or from said Bond Fund, Debt Service Reserve Fund and Redemption Fund for the payment of principal of and interest on the Bonds. 10-70831.5 15 Section 214. [RESERVED]. Section 215. 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 Bonds 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 Holder of such Bond in temporary form. ARTICLE III REDEMPTION OF BONDS BEFORE MATURITY Section 301. Redemption. (a) The Series 2005 Bonds shall be subject to redemption prior to maturity on any date, in whole or in part (in authorized denominations of the Series 2005 Bonds), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, (i) from moneys in the Series 2005 Account of the Project Fund in excess of the amount needed to complete the 2005 Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of any of the real property originally acquired with the proceeds of the Series 2005 Bonds, which moneys shall be transferred to the Series 2005 Account of the Redemption Fund pursuant to Section 502(d) hereof. (b) The Series 2005 Bonds shall be subject to redemption prior to maturity on each February 1, in whole or in part (in authorized denominations of such Series 2005 Bonds), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, to the extent of.(i) Tax Increment receipts deposited in the Series 2005 Account of the Redemption Fund pursuant to Section 503 hereof, and (ii) investment earnings and permitted reductions in the balance of the Debt Service Reserve Fund deposited in the Series 2005 Account of the Redemption Fund pursuant to Section 508 hereof. (c) On and after February 1, 2010, the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in authorized denominations of the Series 2005 Bonds), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. (d) Upon any determination that the Tax Increment is to be calculated by including [all of][any portion of] the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas within the "applicable ad valorem rate" (as defined in the Act), which determination is evidenced by (i) an opinion of the Arkansas Attorney General, (ii) a decision by an Arkansas 10-70831.5 16 0 court of competent jurisdiction, (iii) legislation enacted by the Arkansas General Assembly, or (iv) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the principal amount of the Outstanding Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. [WHAT ABOUT A SITUATION WHERE ADDITIONAL MILLS ARE LEVIED?] 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 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. 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, 10-70831.5 17 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, in aggregate principal amount equal to and in exchange for the unredeemed portion of the principal of the Bond so surrendered. Section 306. Payment of Redemption Price. For the redemption of any of the Series 2005 Bonds, the City shall cause to be deposited from the appropriate Account of the Redemption Fund to the corresponding Account in the Bond Fund an amount sufficient to pay the Accreted Value of such Series 2005 Bonds to be redeemed as of the date fixed for such redemption. The obligation of the City to cause any such deposit to be made hereunder shall be reduced by the amount of moneys in the applicable Account in the Bond Fund available on such redemption date for payment of the Accreted Value on the Series 2005 Bonds to be redeemed. Section 307. Redemption of Additional Bonds. Additional Bonds may 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. ARTICLE IV GENERAL COVENANTS AND REPRESENTATIONS Section 401. Payment of Principal, Premium, if any, 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. Said principal, premium, if any, and 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 to use due diligence in causing the collection of the Tax Increment in the maximum amount permissible under the Act and Amendment 78. 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 Amendment 78 and the Act, to issue the Bonds authorized hereby and to execute this Indenture and to make the pledge of the Tax Increment 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. The City covenants that the District has been duly formed 10-70831.5 18 and is validly existing under the authority of Amendment 78 and the Act. The City further covenants that the District will continue to exist until at least the earlier of (i) August 1, 2029, or (ii) the date all of the Bonds issued hereunder have been paid in full. Notwithstanding the foregoing, the City understands and agrees that Section 9 of the Act (Arkansas Code Annotated Section 14-168-308) provides in part that no redevelopment district maybe terminated so long as bonds with respect to the district remain outstanding. The City acknowledges that this provision of the Act was material to the decision of the Original Purchaser of the Series 2005 Bonds to make such investment. Section 403. Instruments of Further Assurance. At any and all times 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 receipts from the Tax Increment 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 shall be made of its transactions relating to the Project and the Funds and Accounts established by this Indenture. Section 406. 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. 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. 10-70831.5 19 Section 408. Completion of Project; Certification of Completion Date. The City hereby covenants to use its best efforts to complete each Project being financed with proceeds of the Bonds with all reasonable dispatch and to use its best efforts to cause each 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 a Project 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 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 applicable Account of 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 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. For purposes of this Section 410 only, "Beneficial Owner" shall mean any Person which (a) has 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) or (b) is treated as the owner of Bonds for federal income tax purposes. ARTICLE V FUNDS AND DEPOSITS Section 501. Creation of Funds and Accounts. (a) There are hereby created and established the following Funds and Accounts: (i) Project Fund, and a Series 2005 Account therein; 10-70831.5 20 • (ii) Revenue Fund (which shall be the fund mandated by Section 14- 168-305(e) of the Act and created in Section 5 of Ordinance No. 4608 of the City); (iii) Bond Fund, and a Series 2005 Account therein; (iv) Redemption Fund, and a Series 2005 Account therein; (v) Debt Service Reserve Fund, and a Series 2005 Account therein; (vi) Cost of Issuance Fund; and (vii) Rebate Fund, and a Series 2005 Account therein. (b) 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 deposit a portion of the proceeds of the Series 2005 Bonds to the credit of the Series 2005 Account of the Project Fund in accordance with the written directions of the City given as provided in Section 208 of this Indenture. In addition, upon the sale of any portion of the real property originally acquired with the proceeds of the Series 2005 Bonds, the first $120,000 of sale proceeds realized by the City from such sale shall be deposited to the Series 2005 Account of the Redemption Funds pursuant to Section 506(a) hereof. Any remaining sale proceeds shall be deposited to the Series 2005 Account of the Project Fund to be used for the purpose of constructing the sidewalk and crosswalk improvement components of the 2005 Project. (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 or reimbursement of Project Costs; provided, however, expenditures related to the sidewalk and crosswalk construction components of the 2005 Project shall be made only from the property sale proceeds described in subsection (a) above. Disbursements shall be made from the Project Fund on the basis of consecutively numbered Requisitions in the form attached hereto as Exhibit B 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; 10-70831.5 21 (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 portion of the Project being financed with a particular series of Bonds, the City shall deliver to the Trustee its Certificate stating that the applicable portion of the Project 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 appropriate Account of the Redemption Fund for application to the retirement of Bonds by redemption or purchase, as provided by Section 301(a) and (b) and Section 506 hereof. With respect to the 2005 Project, the delivery of the Trustee's Certificate and fund transfer obligation shall be performed separately with respect to the completion of (i) the acquisition and demolition component of the 2005 Project and (ii) the sidewalk and crosswalk construction component of the 2005 Project. (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 of the Bonds. Section 503. Revenue Fund. (a) The Revenue Fund created and established as set forth in Section 501(a)(ii) hereof is hereby assigned to the Trustee for the benefit of the Bondholders as permitted by the Act. There shall be deposited to the credit of the Revenue Fund, as and when received, all receipts derived from the Tax Increment. (b) Upon receipt, but in no event later than the last day of each month in which Tax Increment receipts are deposited in the Revenue Fund, there shall be transferred from the Revenue Fund, in the following order, the amounts set forth below: FIRST: For deposit to the appropriate Accounts of the Debt Service Reserve Fund, an amount sufficient to cure any deficiency therein; 10-70831.5 22 SECOND: For deposit to the appropriate Accounts of the Rebate Fund, an amount sufficient to satisfy the City's obligations under Section 507 hereof; THIRD: 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; and FOURTH: All remaining moneys will be transferred to the Redemption Fund and shall be applied to call Bonds for redemption prior to maturity as provided in Section 301(a) and (b) and Section 506 hereof; provided, however, that such transfers shall be made to the various Accounts of the Redemption Fund in proportion to the Outstanding principal amounts of the related series of Bonds and in such amounts as will cause the redemption of Bonds in minimum authorized denominations. (c) 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. Section 504. Bond Fund. (a) There shall be deposited to the credit of the appropriate Accounts in the Bond Fund all moneys required to be transferred thereto pursuant to Sections 505 and 506 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) On each redemption date for any of the Series 2005 Bonds Outstanding, the Trustee shall transfer out of moneys credited to Series 2005 Account of the Bond Fund the amount required for the payment of the Accreted Amount of the Series 2005 Bonds being redeemed on such date unless the payment of such amount shall be otherwise provided for, and such amount shall be applied to such payments. (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 June 1, 2005 with respect to the Series 2005 Bonds), any remaining moneys in the Cost of Issuance Fund shall be transferred to the Series 2005 Account of the Bond Fund. Section 506. Redemption Fund. (a) There shall be deposited to the credit of Accounts within the Redemption Fund all moneys required to be transferred thereto pursuant to Section 502, 503 and 508 of this Indenture. In addition, the first $120,000 of proceeds realized by the City upon the sale of all or any portion of the real property originally acquired with the proceeds of the Series 2005 Bonds shall be transferred to the Series 2005 Account of the Redemption Fund. 10-70831.5 23 (b) Moneys credited to the Redemption Fund shall be expended only as set forth in this Section 506. (c) Moneys in Accounts within the Redemption Fund shall be transferred to corresponding Accounts within 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 in minimum authorized principal amounts. (d) The amounts accumulated in Accounts within 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 corresponding series 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. 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, and a separate Account within the Rebate Fund with respect to each series of Bonds issued hereunder, which Fund and Accounts are 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 into the appropriate Account of 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 each 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 the Finance and 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 an Account within the Rebate Fund after payment to the United States, within sixty (60) days after the date on which the last Bond of the corresponding series 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. 10-70831.5 24 I • (e) The Trustee, as instructed by Certificate of the City, shall invest all amounts held in the Rebate Fund in Investment Securities, subject to the restrictions set forth in the applicable Tax Regulatory Agreements. 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. As provided in Section 208 hereof, upon the issuance of each series of Bonds there shall be deposited into the appropriate Account within the Debt Service Reserve Fund, from the proceeds of such series of Bonds, an amount sufficient to cause the amounts on deposit therein to be equal to the Reserve Requirement with respect to such series of Bonds. Each Account within the Debt Service Reserve Fund shall be maintained in an amount equal to the applicable Reserve Requirement. Moneys in Accounts in the Debt Service Reserve Fund shall be used solely to pay the Accreted Value of the applicable series of Bonds for which there are no available funds in the Bond Fund to make such payments, as the same become due at maturity. If the amount in an Account within the Debt Service Reserve Fund is reduced below the applicable 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 Accounts within 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 corresponding series of Bonds. If an excess shall exist at any time in an Account within the Debt Service Reserve Fund over and above the applicable Reserve Requirement, such excess shall be transferred to the corresponding Account of the Redemption Fund. The Trustee shall consider any excess that will result following redemption in part pursuant to Section 301(a), (b) or (c), and shall transfer such excess to the appropriate Account of the Redemption Fund so as to maximize the principal amount of Bonds called for redemption. Section 509. Cessation of Fund Deposits. When the moneys in the applicable Accounts of 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 or Accreted Value on all Bonds of the corresponding series 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 any Paying Agent, the City shall have no further obligation to make further payments into said Accounts. 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. 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 Increment receipts received by the City and deposited in the Revenue 10-70831.5 25 Fund shall be divided for deposit into Accounts within the Bond Fund and/or Redemption Fund for each series of Bonds proportionately with the Outstanding principal amount of each series of Bonds, to the end that the Bonds of each series shall be equally and ratable secured by the Tax Increment receipts. Any Supplemental Indenture authorizing the issuance of Additional Bonds may 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 Securities 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 Securities of Debt Service Reserve Fund moneys shall not exceed years from the date of investment therein. Moneys in separate Funds or Accounts may be commingled for the purpose of investment. Investments in any Fund or Account shall be evaluated at least annually by the Trustee, and in any event within thirty (30) days prior to the end of each Fiscal Year. The Trustee shall report such determination of value to the City. For the purpose of determining the amount in any Fund or Account, the City and the Trustee shall value all Investment Securities credited to such Fund or Account at the price at which such Investment Securities 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 Securities minus the amortization of any premium or plus the amortization of any discount thereon and (ii) the market value of such Investment Securities, provided that Investment Securities 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 Securities 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 602. Investment Earnings. Subject to the provisions of each Tax Regulatory Agreement and Article V hereof, Investment Securities 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. 10-70831.5 26 Section 603. 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 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. 10-70831.5 27 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 all 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, 10-70831.5 28 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 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 Increment receipts, 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 10-70831.5 29 • 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 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 10-70831.5 30 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 (1) 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 10-70831.5 31 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, the 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 AGENTS 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 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 10-70831.5 32 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 Mayor 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 under the City's 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 fill 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 10-70831.5 33 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 Increment 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 Agents; Trustee's Prior Lien. (a) Subject to subsection (b) of this Section 902, the City shall, from moneys lawfully available therefor, pay to the Trustee and any 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 2005 Bonds, the Trustee's initial authentication fee shall be $ and the annual administration fee of the Trustee shall be up to, but not exceeding, $ . 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. 10-70831.5 34 (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 $ 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 $ 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 2005 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 (cost and market value) 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. 10.70831.5 35 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 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 Recorder/Treasurer 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 10-70831.5 36 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 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 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 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: (1) 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 (2) 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 10-70831.5 37 . 0 r 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 Agents. The Trustee and any other banks or trust companies designated as Paying Agent or Paying Agents in any Supplemental Indenture or in an instrument appointing a successor Trustee shall be the Paying Agent or Paying Agents for the Bonds. Any bank or trust company with which or into which any Paying Agent may be merged or consolidated, or to which the assets and business of such Paying Agent may be sold, shall be deemed the successor of such Paying Agent for the purposes of this Indenture. If the position of Paying Agent shall become vacant for any reason, the City shall, within thirty (30) days thereafter, appoint such bank or trust company as shall be specified by the City as such Paying Agent to fill such vacancy; provided, however, that, if the City shall fail to appoint such Paying Agent within said period, the Trustee shall make such appointment. The Paying Agents 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; 10708315 38 (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 (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) depriving 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 of this Article X. 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 10-70831.5 39 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: City: City of Fayetteville 113 West Mountain Fayetteville, Arkansas 72701 Attention: Mayor 10-703313 40 Trustee: . Arkansas Attention: 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. 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. 10-70831.5 41 Section 1110. Bonds Owned by the 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. [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 10-70831.5 42 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 By: Mayor ATTEST: City Clerk (SEAL) as Trustee By: Title: ATTEST: Title: (SEAL) 10.70831.5 43 ACKNOWLEDGMENT STATE OF ARKANSAS ) ) ss. COUNTY OF WASHINGTON ) Before me a Notary Public, duly commissioned, qualified and acting within and for the State and county aforesaid, appeared in person the within named Dan Coody and Sondra Smith, Mayor and City Clerk, respectively, of the City of Fayetteville, Arkansas, to me personally known, who stated that they were duly authorized in their respective capacities to execute the foregoing instrument for and in the name of the City, and further stated and acknowledged that they had signed, executed and delivered the foregoing instrument for the consideration, uses and purposes therein mentioned and set forth. IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal this _ day of April, 2005. Notary Public My Commission expires: (SEAL) [ACKNOWLEDGEMENT TO TRUST INDENTURE] 10-70831.5 44 ACKNOWLEDGMENT STATE OF ARKANSAS ss. COUNTY OF Before me a Notary Public, duly commissioned, qualified and acting within and for the State and county aforesaid, appeared in person the within named and the and the , respectively, of to me personally known, who stated that they were duly authorized in their respective capacities to execute the foregoing instrument for and in the name of the [Bank], and further stated and acknowledged that they had signed, executed and delivered the foregoing instrument for the consideration, uses and purposes therein mentioned and set forth. IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal this _ day of April, 2005. My Commission expires: (SEAL) Notary Public [ACKNOWLEDGEMENT TO TRUST INDENTURE] 10-70831.5 45 EXHIBIT A TO TRUST INDENTURE Form of Series 2005 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 hereoffor value or otherwise by or to any person is wrongful inasmuch as the registered owner hereof Cede & Co., has an interest herein. REGISTERED No. R05- $ UNITED STATES OF AMERICA STATE OF ARKANSAS CITY OF FAYETTEVILLE, ARKANSAS TAX INCREMENT INTEREST ACCRETION BOND (HIGHWAY 71 EAST SQUARE REDEVELOPMENT DISTRICT NO. 1 PROJECT) SERIES 2005 Interest Rate: _% Date of Bond: April _, 2005 Registered Owner: CEDE & CO. Principal Amount: KNOW ALL MEN BY THESE PRESENTS: Maturity Date: August 1, 2029 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, hereby 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 the interest accreted thereon. This bond will accrete interest from the date of its issuance through maturity or earlier redemption at the Interest Rate per annum shown above, such interest to compound semiannually on February 1 and August 1 of each year, commencing on August 1, 2005, as set forth in Exhibit C to the Indenture identified and defined below. The Accreted Value (as defined in the Indenture) of this bond and any applicable redemption premium is payable in lawful money of the United States of America upon the presentation and surrender hereof at the principal corporate trust office of , , Arkansas, or its successor or successors, as trustee (the "Trustee"). Notwithstanding the foregoing, so long as Cede & Co. or another nominee of The Depository Trust Company is the registered owner of this bond, payment of the Accreted Value hereof and any redemption premium shall be made by wire transfer of immediately available funds. 10-70831.5 A -I This bond, designated "Tax Increment Interest Accretion Bond (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005", is one of a series of bonds aggregating Dollars ($ ) (the "Series 2005 Bonds"). The Series 2005 Bonds are being issued for the purpose of financing the costs of acquiring certain real property within the District (as defined below) and demolishing existing structures thereon, and the construction of certain sidewalk and crosswalk improvements within the District (the "Project"), funding a debt service reserve, and paying the costs of issuance of the Series 2005 Bonds. The Series 2005 Bonds are issued under and are secured by and entitled to the protection of a Trust Indenture dated as of April 15, 2005 (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 Series 2005 Bonds, and the terms upon which the Series 2005 Bonds are issued and secured. The Series 2005 Bonds are issued pursuant to and in full compliance with the Constitution and laws of the State of Arkansas, including particularly Amendment No. 78 to the Constitution of Arkansas, as implemented by Act 1197 of 2001, codified as Arkansas Code Annotated (2003 Supp.) §§14-168-301 et seq. (as from time to time amended, the "Act"), and Ordinance No. of the City adopted [March 15], 2005, which ordinance authorized the execution and delivery of the Indenture and the issuance of the Series 2005 Bonds. In accordance with the Act, the City has pledged all receipts from the ad valorem tax increment (as defined in the Act, the "Tax Increment") relating to its Highway 71 East Square Redevelopment District No. 1 in order to provide funds for the repayment of the Series 2005 Bonds. The pledge of the receipts of the Tax Increment presently secure payment of the Series 2005 Bonds only, but such Tax Increment receipts may additionally be pledged to secure the payment of Additional Bonds issued under the provisions of the Indenture. The Indenture provides that the City may hereafter issue Additional Bonds from time to time 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 2005 Bonds and be equally and ratably secured by and entitled to the protection of the Indenture. The Series 2005 Bonds are not general obligations of the City, but are special obligations secured by an irrevocable pledge of and lien on the Tax Increment receipts, as more particularly described in the Indenture. In no event shall the Series 2005 Bonds constitute an indebtedness of the City within the meaning of any constitutional or statutory limitation or a pledge of the faith and credit of the City. The holder of this Series 2005 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 2005 Bonds and Additional Bonds, if any, issued under the Indenture and then outstanding 10-70831.5 A-2 may be declared and may become due and payable before the stated maturity thereof, together with accrued or accreted 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 2005 Bonds shall be redeemed prior to maturity on any date, in whole or in part, by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, (i) from moneys in the Series 2005 Account of the Project Fund in excess of the amount needed to complete the Project, and (ii) from the first $120,000 of proceeds realized by the City upon any sale of the real property originally acquired with the proceeds of the Series 2005 Bonds. The Series 2005 Bonds shall be redeemed prior to maturity on each February 1, in whole or in part (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption, to the extent of Tax Increment receipts and investment earnings and permitted reductions in the balance of the Debt Service Reserve Fund deposited in the Series 2005 Account of the Redemption Fund. On a monthly basis, following any required transfers of Tax Increment receipts to satisfy deficiencies in the Debt Service Reserve Fund or the Rebate Fund and to pay Trustee fees and expenses, the remaining balance of such Tax Increment receipts shall be transferred to the various accounts of the Redemption Fund in proportion to the outstanding principal amounts of the related series of Bonds. On and after February 1, 2010, the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole or in part on any date (in minimum $5,000 denominations), by lot in such manner as the Trustee shall determine, from funds from any source, at a redemption price equal to 100% of the Accreted Value thereof as of the date of redemption. Upon any determination that the Tax Increment is to be calculated by including [all of] [any portion of] the 25 mills described in Amendment 74 to the Constitution of the State of Arkansas within the "applicable ad valorem rate" (as defined in the Act), which determination is evidenced by (i) an opinion of the Arkansas Attorney General, (ii) a decision by an Arkansas court of competent jurisdiction, (iii) legislation enacted by the Arkansas General Assembly, or (iv) an amendment to the Constitution of the State of Arkansas, then the Series 2005 Bonds shall be subject to redemption prior to maturity at the option of the City, in whole on any date, from funds from any source, at a redemption price equal to 101% of the principal amount of the Outstanding Series 2005 Bonds plus the accreted interest thereon as of the date of redemption. In selecting Series 2005 Bonds for redemption prior to maturity, in the case any outstanding Series 2005 Bond is in a denomination greater than $5,000, each $5,000 of face value of such Series 2005 Bond shall be treated as a separate Series 2005 Bond of the denomination of $5,000. In the event any of the Series 2005 Bonds or portions 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 2005 Bond addressed to such registered owner at his registered address and placed in 10-70831.5 A-3 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 2005 Bond with respect to which no such failure or defect has occurred. Each notice shall identify the Series 2005 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 2005 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 2005 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 2005 Bonds are issuable as registered bonds without coupons in denominations of $5,000 and integrals of $5,000 in excess thereof Subject to the limitations and upon payment of the charges provided in the Indenture, Series 2005 Bonds may be exchanged for a like aggregate principal amount of Series 2005 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 2005 Bonds or for any claim based thereon or upon any obligation, covenant or agreement contained in the Series 2005 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 2005 Bonds. This Series 2005 Bond is issued with the intent that the laws of the State of Arkansas will govern its construction. 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 2005 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 2005 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 2005 Bonds as the same become due and payable are expected to be sufficient in amount for that purpose. This Series 2005 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. 10-70831.5 AA IN WITNESS WHEREOF, the City of Fayetteville, Arkansas has caused this Series 2005 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 2005 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 2005 Bonds. as Trustee By: Authorized Signature 10-70831.5 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. 10-70831.5 A-6 EXHIBIT B TO TRUST INDENTURE FORM OF REQUISITION City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds, Series 2005 Date: Requisition No.: TO: , as Trustee Pursuant to the provisions of Section 502 of the Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the City of Fayetteville, Arkansas (the "Issuer") 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 Issuer. The amount requested hereunder has not been the basis for any previous Requisition by the Issuer and is justly due and owing to the person(s) named herein as a proper payment or reimbursement of a Project Cost (as defined in the Indenture). 10-70831.5 B -I 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 10-70831.5 B-2 EXHIBIT C TO TRUST INDENTURE SERIES 2005 BOND ACCRETION SCHEDULE Accreted Value Accretion Date (per $5,000 minimum denomination) I O 70831.5 C-1 City of Fayetteville, Arkansas Millage Revenue and Predicted TIF Impact Tax Assessment Growth 1994-2004 Total Real Property Total Real Property Assessments - Assessments - Assessments - Assessments - Value Value 1994 $ 331,415,790 $ 245,093,513 1995 $ 441,868,072 $ 340,593,452 33.33% 38.96% 1996 $ 472,526,567 $ 359,369,202 6.94% 5.51% 1997 $ 502,862,770 $ 382,798,143 6.42% 6.52% 1998 $ 528,576,434 $ 401,001,338 5.11% 4.76% 1999 $ 551,052,914 $ 413,648,415 4.25% 3.15% 2000 $ 578,099,062 $432,951,171 4.91% 4.67% 2001 $ 642,648,401 $ 486,853,822 11.17% 12.45% 2002 $ 699,693,473 $ 530,235,135 8.88% 8.91% 2003 $ 733,485,182 $ 565,846,525 4.83% 6.72% 2004 $ 832,464,522 $649,361,820 13.49% 14.76% Average Growth % 1994-2004 9.93% 10.64% Average Growth % 2000-2004 8.65% 9.50% Median Growth % 1994-2004 6.68% 6.62% Median Growth % 1996-2004 6.52% Median Growth % 2000-2004 8.88% 8.91% Growth Calculated by Comparing 2001 and 2004 33.38% Calculated Average 2001-2004 8.34% City of Fayetteville, Arkansas Highway 71 East Square Redevelopment District Number I Table I lRaB Highway 71 Easl Assessments By Year/ Assessment Total City Hghway 71 East Mas Combined 1W Square. District Square, Original OrginaI Districts, Original Amended - UoiA 2001 Valuation $ 486,853,822 $ 13.577,473 $ 10,281.073 $ 23,858.546 2004 Valuation $649,361,820 $ 16.616,684 $ 15.083,761 $ 31,700.445 $ 31.446.555 Total Growth Over 4 Years - $ $ 162,507,998 $ 3.039.211 44,802,688 $ 7.841.899 Total Growth Over 4 Yews-% 33.38% 22.38% 4671% 32.07% Average Growth Per Year -% 6.34% 5.60% 11.68% 8.22% Median Overall City Growth 1996-2004 6.52% Median Overae City Growth 2000-2004 8.91% Distribution of TIF Millages as Certified by Washington County Assessor "otal Millage Rates - Millage Millage Rates Fayenevine evilDiste Millage - By Taxing Unit - 2004 Excluded Available for TIF District 2004 School ict From TIF TIF Fayetteville School District - M & O 25.00 25.00 0.00 Fayetteville School District - Debt Service 19.20 19.20 0.00 County General Operations 4.75 4.75 County Road Millage 1.11 1.11 City Library 1.00 1.00 City Fire Pension 0.40 0.40 City Police Pension 0.40 0.40 Total Millage 51.86 44.20 7.66 3.16 4.50 Cily d FayettevAe, Aekansas Highway71 East Spuare Redevelopment District Number 1 1 2 3.5 With TIP (FebnMry 2005U Table 2- With Mountain Inn and Associated Developments A o1 Sh Total Wage Revenue Genemled Highway T1 -Table I Predicicd Futuna Values Assessed Value 1 MB 2 Mil 35 Mil 2005 1 34,171,226 $ 34.800 $ 69,500 $ 121,700 2006 $ 41,838,959 S 41,800 $ 83,700 1 146.400 2007 $ 57.087.778 $ 57,100 $ 114,200 $ 199,800 2008 $ 67.417,730 $ 67,400 S 134,800 $ 236,000 2009 $ 77.210,055 $ 77200 S 154,400 S 270200 2010 $ 85,725.636 $ 85,700 $ 171,500 $ 300,000 2011 S 95.239,758 $ 95,200 $ 190,500 $ 333,300 2012 $ 105.877.030 $ 105,900 $ 211,800 $ 370,600 2013 1 117.778.577 $ 117,800 $ 235,600 $ 412200 2014 $ 131,104,342 $ 131,100 $ 262200 $ 458,900 2015 $ 146,035,736 $ 146,000 $ 292,100 $ 511,100 2016 $ 162,778.660 $ 162,800 S 325.600 $ 569.700 2017 $ 181,566,986 S 181,600 $ 363,100 $ 635,500 2018 $ 202.666.540 $ 202700 1 405,300 $ 709.300 .. 2019 $ 226,379,677 $ 226,400 1 452.800 $ 792.300 2020 $ 253,050,540 $ 253,100 1 506,100 $ 685.700 2021 $ 283,071,091 $ 283,100 $ 566,100 1 990,700 2022 $ 316,888,056 $ 316,900 $ 633.800 $ 1.109.100 2023 $ 355.010,900 $ 355,000 $ 710.000 $ 1,242,500 2024 1 398.021.007 $ 398,000 $ 796,000 $ t,393,100 2025 $ 446,582.239 1 446,600 S 893,200 $ 1,563.000 2026 $ 501453.093 $ 501.500 $ 1,002900 $ 1,755,100 2027 S 563,500,698 $ 563,500 $ 1,127,000 $ 1,972.300 2028 $ 633,716,942 $ 633.700 $ 1267,400 $ 2,218,000 2029 $ 713.237,040 $ 713,200 $ 1,426,500 S 2,496,300 ;:i City of Fayetteville. Mantras Highway 71 Easl Square Redevelopment District Number I With TIF Table 3- With Mountain Inn and (February 2005U Associated Developments of A dy- Highwayway 71- 1 Millage Revenue Based on I Mil Predicted Future Values Assessed Value 2005 $ 34.771 226 $ 34,771 2006 $ 41.838.959 $ 41.839 2007 $ 57,087,778 $ 57.088 2008 $ 67.417.730 $ 67,418 2009 $ 77,210,055 $ 77,210 2010 $ 85.725.636 $ 85,726 2011 $ 95,239,758 $ 95.240 2012 $ 105,877,030 S 105,877 2013 $ 117778,577 $ 117.779 2014 $ 131,104,342 $ 131.104 2015 $ 146,035.736 $ 146.036 2016 $ 162,778.660 S 162779 2017 S 181,566.986 $ 181,567 2018 $ 202,666,540 $ 202,667 2019 $ 226.379,677 $ 226,380 2020 S 253,050,540 $ 253,051 2021 $ 283,071,091 $ 283.071 2022 $ 316,888,056 $ 316,888 2023 $ 355.010.900 $ 355,011 2024 $ 398,021,007 $ 398.021 2025 $ 446,582239 $ 446,582 2026 $ 501,453,093 $ 501,453 2027 $ 563,500.698 $ 563,501 2028 S 633.716,942 $ 633.717 2029 $ 713,237.048 $ 713,237 3.16 4.50 41.25% 58.75% Distribution Based on I MU Frozen Increment Millage Millage Library Total Increment TIF Fayetteville School D'a9ct 31.447 $ 3.325 5 1,371 $ 1,,953 31.4 47 $ 10.392 $ 4,287 $ 6,106 31,447 $ 25.641 $ 10,577 S 15.064 31,447 $ 35.971 $ 14,838 S 21.133 31.447 $ 45.764 $ 18,877 $ 26,686 31647 $ 51.279 $ 22,390 S 31,889 31447 $ 63,793 $ 26,315 $ 37.479 31,447 S 74630 $ 30,703 $ 43.728 31.447 $ 86.332 $ 35.612 $ 50.720 31647 $ 99,656 $ 41,109 $ 58,549 31,447 $ 114,589 $ 47,268 $ 67,321 31,447 S 131.332 S 54.174 $ 77,158 31,447 $ 150,120 $ 61.925 $ 88,196 31,447 5 171.220 $ 70.628 $ 100,592 31,447 $ 194.933 $ 80,410 S 114,523 31,447 $ 221,604 $ 91,412 $ 130,192 31,447 $ 251,625 $ 103.795 $ 147.829 31,447 $ 285,442 $ 117745 $ 167,697 31,447 $ 323.564 $ 133,470 $ 190.094 31.447 $ 366.574 $ 151.212 $ 215,362 31,447 S 415,136 $ 171,243 $ 243.892 31,447 $ 470,007 $ 193.878 $ 276,129 31.447 $ 532054 $ 219,472 $ 312,682 31,447 $ 602,270 $ 248.437 $ 353,834 31,447 $ 681.790 $ 281,239 $ 400.552 City at Fayeltevile, Arkansas HgMvay 71 East Square Redevelopment District Numbe, I With TIF (Febua y 2005 U Less: Developments Table 4. Without Mountain Inn and of A Study - Linked to Mountain Adjusted Table Associated Developments Higway 71- Table Inn- Cunwblive Millage Revenue Generated Revised Predicted Future Values Assessed Value 7.80% Assessed Value 1 M4 2 Md 3,5 Mt 2005 $ 34.771,226 $ $ 34,771.226 $ 34.800 $ 69,500 $ 121,700 2006 $ 41638.959 $ - S 41,838,959 $ 41.800 $ 83.700 $ 146,400 2007 $ 57.087,778 $ 5,700.000 S 51.387.778 S 51.400 S 102.800 $ 179.900 2008 $ 67.417.730 3 6,974,600 $ 60.443.130 $ 60.400 $ 120.900 $ 211,600 2009 $ 77,210,055 $ 7,518,619 S 69,691.436 S 69,700 $ 139.400 S 243,900 2010 $ 85.725.636 S 8.105.071 $ 77,620,565 $ 77.600 $ 155,200 $ 271,700 2011 $ 95,239.758 S 8.737.267 S 86.502.491 S 86.500 $ 173,000 $ 302.800 2012 S 105.577.030 S 9.418.773 $ 96.458.257 $ 96.500 $ 192,900 $ 337,600 2013 S 117.778,577 S 10,151438 S 107.625.139 $ 107.600 S 215,300 $ 376,700 2014 E 131.104.312 S 10,945.406 E 120.158,936 $ 120.200 $ 240,300 $ 420,600 2015 S 146.035.736 $ 11,799.148 $ 134.236,588 $ 134,200 $ 268,500 S 469,800 2016 $ 162,778,660 $ 12,719,481 $ 150.059,179 $ 150,100 $ 300.100 $ 525,200 2017 $ 181.566,986 $ 13,711,601 $ 167.855,385 S 167,900 $ 335.700 $ 587.500 2018 $ 202.666.540 $ 14.781.105 S 187.885,435 $ 187.900 $ 375,800 $ 657,600 2019 S 226.379.677 $ 15.934,032 $ 210,445,645 $ 210,400 $ 420,900 $ 736.600 2020 $ 253.0`0.540 $ 17,176,886 S 235,873.651 $ 235,900 $ 471,700 $ 825,600 2021 $ 283,071.091 $ 18,516.683 $ 264.554,408 S 264,600 $ 529,100 S 925,900 2022 $ 316,888,056 $ 19,960,984 $ 296.927.072 $ 296,900 $ 593,900 $ 1,039,200 2023 $ 355,010,900 $ 21,517,941 S 333.492.959 $ 333,500 $ 667,000 $ 1,167,200 2024 $ 398,021,007 $ 23,196,341 $ 374,824.666 $ 374,800 $ 749,600 $ 1.311,900 2025 $ 446,582,239 $ 25,005,655 $ 421,576,584 $ 421,600 S 843.200 $ 1.475,500 2026 $ 501.451093 $ 26,956,096 $ 474,496,997 $ 474,500 $ 949.000 $ 1.660.700 2027 $ 563,500,698 S 29,058,672 $ 534,442,026 $ 534,400 S 1,068.900 $ 1,870.500 2028 $ 633,716,942 $ 31,325,248 S 602.391,694 S 602.400 $ 1,204,800 $ 2,108,400 2029 $ 713,237,048 $ 31,325,248 $ 681.911,800 $ 681,900 $ 1.361800 $ 2,386,700 00 C c o,m c c a N N N N N N MM N N N N N N N N N N N W S n O. 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J > > > ! 3 d a 0000000000000000000000000 — 0 A l ___ 0000000000000000000000000 W 7CD D)0IO W W O OOTa) W O O DO) W W 0)O)4)m 0)Om N w 01N 01 Ut UtN010101NUt01NN01N W 010)N010101(na w w w w w w w w w w w w w w w w w w w w eA w w w w w nA O N N a (� N W n N 0WDO W ON OND W m 00D V O(ONNO W 000)N00)Mw W+ "a O (O O) V NtnN W N(0001N(D(ntO�ODNO W (0001 (O W 3 3 5i J NWaOWOAoO p0) Op14 W A W OGD �(n IJ10�OD VW C) (p O (0D N Ut C) 0 O C)_ A 0 O 3 vt 3 N Combined Mountain Inn & Downtown Master Plan District Based on 3.16 Mils / UofA Projected Assessment Growth Rate (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) otal Available Increment.................................................................................. 5,319,284,550 otal Available Yield........................................................................................ 16,808,939 let Present Value of Available Yield ..................................................................... 9,723,926 axRate...................................................................................................... 0.316°/ resentValue Rate........................................................................................... 3.00°/ 2005 ' \ 2006 2007 2008 2009 eai rozen Assessment .. 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 'otalAssessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 ,ssessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43°/ tcrement 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 ,vailable Yield 11,375 33,724 81,971 114,685 145,574 V of Available Yield 11,044 31,788 75,015 101,896 125,573 d.' •' LiT1: ' _ ?010 2011 .2012 2013 ZO14 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 a] Assessment 85,994,207 95,453,570 106,010,735 117,809,730 130,992,639 essment Growth Rate 10.94% 11.00% 11.06% 11.13% 11.19°/ "ement 54,547,652 64,007,015 74,564,180 86,363,175 99,546,084 tilableYield 172,371 202,262 235,623 272,908 314,566 of Available Yield 144,358 164,458 186,003 209,161 234,066 arm e_ -' 5 2016 2017 2018 2019 k' , )zen Assessment _ __ .. 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 tal Assessment 145,742,410 162,240,451 180,719,638 201,430,109 224,655,000 sessment Growth Rate 11.26% 11.32% 11.39% 11.46% 11.53°/ rement 114,295,855 130,793,896 149,273,083 169,983,554 193,208,445 ailable Yield 361,175 413,309 471,703 537,148 610,539 of Available Yield 260,920 289,886 321,207 355,118 391,882 T 3 2021 2022.\".f 2023.. 2024 is rzen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 talAssessment 250,714,980 279,973,418 312,842,298 349,788,973 391,378,882 sessment Growth Rate 11.60% 11.67% 11.74% 11.81% 11.89°/ :rement 219,268,425 248,526,863 281,395,743 318,342,418 359,932,327 ailableYield 692,888 785,345 889,211 1,005,962 1,137,386 of Available Yield 431,785 475,147 522,317 573,686 629,743 ar _\ 2025A ; 2027 2028 2029 - L.)zen Assessment 31,446,555 __-2026 31,446,555 31,446,555 31,446,555 31,446,555 tal Assessment 438,187,796 490,901,788 550,349,995 617,382,624 693,073,734 sessment Growth Rate 11.96% 12.03% 12.11% 12.18% 12.26° rement 406,741,241 459,455,233 518,903,440 585,936,069 661,627,179 ailable Yield 1,285,302 1,451,879 1,639,735 1,851,558 2,090,742 ' of Available Yield 690,913 757,725 830,840 910.844 998.550 Mountain Inn / Dickson Street Redevelopment District Based on UofA Projected Revenues Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 131,375.46 120,000.00 6,181.92 126,181.92 5,193.54 2/1/2007 33,724.12 30,000.00 3,629.28 33,629.28 5,288.38 2/1/2008 81,971.14 70,000.00 13,651.54 83,651.54 3,607.99 2/1/2009 114,685.29 90,000.00 24,656.58 114,656.58 3,636.70 2/1/2010 145,573.63 105,000.00 37,601.97 142,601.97 6,608.36 2/1/2011 172,370.58 120,000.00 53,739.12 173,739.12 5,239.82 2/1/2012 202,262.17 130,000.00 70,650.32 200,650.32 6,851.67 2/1/2013 235,622.81 145,000.00 93,585.90 238,585.90 3,888.58 2/12014 272,907.63 155,000.00 116,887.05 271,887.05 4,909.16 2/1/2015 314,565.62 170,000.00 147,896.60 317,896.60 1,578.18 2/12016 361,174.90 180,000.00 178,830.72 358,830.72 3,922.36 2/1/2017 413,308.71 195,000.00 219,411.27 414,411.27 2,819.81 2/1/2018 471,702.94 205,000.00 259,441.44 464,441.44 10,081.31 2/1/2019 537,148.03 225,000.00 318,425.40 543,425.40 3,803.94 2/12020 610,538.69 235,000.00 370,069.54 605,069.54 9,273.08 2/12021 692,888.22 255,000.00 444,935.22 699,935.22 2,226.09 2/1/2022 785,344.89 265,000.00 510,431.87 775,431.87 12,139.11 2/1/2023 889,210.55 285,000.00 604,042.68 889,042.68 12,306.97 2/12024 1,005,962.04 305,000.00 709,279.33 1,014,279.33 3,989.68 2/12025 1,137,386.15 320,000.00 814,456.96 1,134,456.96 6,918.88 2/1/2026 1,285,302.32 120,000.00 333,522.96 453,522.96 838,698.24 211/2027 1,451,878.54 - - - 2,290,576.78 2/12028 1,639,734.87 - - - 3,930,311.64 2/1/2029 1,851,557.98 - - - 5,781,869.62 8/1/2029 - - - - 5,781,869.62 Total 14,838,19729 3,725,000.00 5,331,327.67 9,056,327.67 Combined Mountain Inn & Downtown Master Plan District Based on 3.16 Mils /2000-2004 Median Growth Rate of 8.91% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) t1 Available Increment................................................................................ 3,769,234,181 d Available Yield...................................................................................... 11,910,780 Present Value of Available Yield................................................................... 7,060,627 Rate.................................................................................................... 0.32% ;ent Value Rate......................................................................................... 3.00% ear = ,T2005 2006 2007 2008 2009 ozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 ssessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% icrement 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 vailable Yield 11,375 33,724 81,971 114,685 145,574 V ofAvailable Yield 11,044 31,788 75,015 101,896 125,573 012 0 ' 0 I Y _ 2012 T 2013 2014 sen Assessment _' 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 sl Assessment 84,420,670 91,942,552 100,134,633 109,056,629 118,773,575 essment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% ement 52,974,115 60,495,997 68,688,078 77,610,074 87,327,020 �ilable Yield 167,398 191,167 217,054 245,248 275,953 of Available Yield 140,193 155,437 171,345 187,962 205,335 li_�. {.aY,'� ?Fx.:�'`` °d'r��r•r:.:`L--„U�1 L(L10 p•�LUI/ oLU18... 2019 '�•. zenAssessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 129,356,300 140,881,946 153,434,528 167,105,544 181,994,648 essment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% -ement 97,909,745 109,435,391 121,987,973 135,658,989 150,548,093 tilable Yield 309,395 345,816 385,482 428,682 475,732 of Available Yield 223,513 242,548 262,494 283,410 305,354 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 198,210,371 215,870,916 235,105,014 256,052,871 278,867,182 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 166,763,816 184,424,361 203,658,459 224,606,316 247,420,627 Available Yield 526,974 582,781 643,561 709,756 781,849 PV of Available Yield 328,393 352,592 378,024 404,764 432,891 ear"_ .'. ;r t '202 2076, 2027' 2028 2029 . _ Frozen Assessment 31„446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 303,714,248 330,775,187 360,247,256 392,345,287 427,303,252 Assessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% Increment 272,267,693 299,328,632 328,800,701 360,898,732 395,856,697 Available Yield 860,366 945,878 1,039,010 1,140,440 1,250,907 PV of Available Yield 462,489 493,647 526,458 561,021 597,440 Mountain Inn / Dickson Street Redevelopment District Based on 2000-2004 Median Growth Rate of 8.91% ParAmount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 131,375.46 120,000.00 6,181.92 126,181.92 5,193.54 2/1/2007 33,724.12 30,000.00 3,629.28 33,629.28 5,288.38 2/1/2008 81,971.14 70,000.00 13,651.54 83,651.54 3,607.99 2/1/2009 114,685.29 90,000.00 24,656.58 114,656.58 3,636.70 2/1/2010 145,573.63 105,000.00 37,601.97 142,601.97 6,608.36 2/1/2011 167,398.20 120,000.00 53,739.12 173,739.12 267.44 2/1/2012 191,167.35 120,000.00 65,215.68 185215.68 6,219.11 2/1/2013 217,054.33 135,000.00 87,131.70 222,131.70 1,14114 2/1/2014 245,247.83 140,000.00 105,575.40 245,575.40 814.17 2/1/2015 275,953.38 145,000.00 126,147.10 271,147.10 5,620.45 2/1/2016 309,394.79 155,000.00 153,993.12 308,993.12 6,022.13 2/1/2017 345,815.84 165,000.00 185,655.69 350,655.69 1,182.27 2/1/2018 385,481.99 170,000.00 215,146.56 385,146.56 1,517.71 2/1/2019 428,682.41 175,000.00 247,664.20 422,664.20 7,535.91 2/1/2020 475,731.97 185,000.00 291,331.34 476,331.34 6,936.55 2/1/2021 526,973.66 190,000.00 331,520.36 521,520.36 12,389.85 2/1/2022 582,780.98 200,000.00 385,231.60 585,231.60 9,939.23 2/1/2023 643,560.73 205,000.00 434,486.84 639,486.84 14,013.12 2/1/2024 709,755.96 215,000.00 499,983.79 714,983.79 8,785.29 2/1/2025 781,849.18 220,000.00 559,939.16 779,939.16 10,695.31 2/1/2026 860,365.91 230,000.00 639,252.34 869,252.34 1,808.88 2/1/2027 945,878.48 235,000.00 711,816.88 946,816.88 870.47 2/1/2028 1,039,010.22 240,000.00 790,836.00 1,030,836.00 9,044.69 2/1/2029 1,140,439.99 65,000.00 232,626.68 297,626.68 851,858.00 N IILVGp Total 10,779,872.85 3,725,000.00 6,203,014.85 9,928,014.85 Combined Mountain Inn & Downtown Master Plan District Based on 3.16 Mils /1996-2004 Median Growth Rate of 6.52% (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) LI Available Increment................................................................................ 2,706,328,967 LIAvailable Yield...................................................................................... 8,552,000 Present Value of Available Yield................................................................... 5,197,368 Rate.................................................................................................... entValue Rate......................................................................................... 3.00% Year" " =200 ;; 200b, 2007 200 _^i' 009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 11,375 33,724 81,971 114,685 145,574 PV of Available Yield 11,044 31,788 75,015 101,896 125,573 2013 2014 �, zen Assessment 31,446,555 31,446,555 31,446,555 _ 31,446,555 31,446,555 al Assessment 82,568,082 87,951,521 93,685,960 99,794,284 106,300,872 essment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% ement 51,121,527 56,504,966 62,239,405 68,347,729 74,854,317 �ilable Yield 161,544 178,556 196,677 215,979 236,540 of Available Yield 135,291 145,182 155,258 165,530 176,008 !-t, ear�ty �uj,•.,A<201S}'~,2017 . T ! .. 2018,:. TT 2019'r`a rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 113,231,689 120,614,395 128,478,453 136,855,248 145,778,210 ssessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% icrement 81,785,134 89,167,840 97,031,898 105,408,693 114,331,655 vailable Yield 258,441 281,770 306,621 333,091 361,288 V of Available Yield 186,703 197,628 208,794 220,213 231,897 rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 155,282,950 165,407,398 176,191,960 187,679,676 199,916,391 ssessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% icrement 123,836,395 133,960,843 144,745,405 156,233,121 168,469,836 vailable Yield 391,323 423,316 457,395 493,697 532,365 V of Available Yield 243,860 256,113 268,672 281,548 294,757 Y,eai y9 "x '� 2025 2027 2028 2029' . Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 212,950,940 226,835,341 241,625,005 257,378,956 274,160,064 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 181,504,385 195,388,786 210,178,450 225,932,401 242,713,509 Available Yield 573,554 617,429 664,164 713,946 766,975 PV of Available Yield 308,313 322,231 336,526 351,214 366,311 Mountain Inn / Dickson Street Redevelopment District Based on 1996-2004 Median Growth Rate of 6.52% Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 131,375.46 120,000.00 6,181.92 126,181.92 5,193.54 2/1/2007 33,724.12 30,000.00 3,629.28 33,629.28 5,288.38 2/1/2008 81,971.14 70,000.00 13,651.54 83,651.54 3,607.99 2/1/2009 114,685.29 90,000.00 24,656.58 114,656.58 3,636.70 2/1/2010 145,573.63 105,000.00 37,601.97 142,601.97 6,608.36 2/1/2011 161,544.02 115,000.00 51,499.99 166,49999 1,652.39 2/1/2012 178,555.69 115,000.00 62,498.36 177,498.36 2,709.72 2/1/2013 196,676.52 120,000.00 77,450.40 197,450.40 1,935.84 2/1/2014 215,978.82 120,000.00 90,493.20 210,493.20 7,421.46 2/1/2015 236,539.64 130,000.00 113,097.40 243,097.40 863.71 2/1/2016 258,441.02 130,000.00 129,155.52 259,155.52 149.21 2/1/2017 281,770.37 130,000.00 146,274.18 276,274.18 5,645.40 2/1/2018 306,620.80 135,000.00 170,851.68 305,851.68 6,414.52 2/1/2019 333,091.47 140,000.00 198,131.36 338,131.36 1,374.63 2/1/2020 361,288.03 140,000.00 220,466.96 360,466.96 2,195.70 2/1/2021 391,323.01 140,000.00 244,278.16 384,278.16 9,240.55 2/1/2022 423,316.26 145,000.00 279,292.91 424,292.91 8,263.90 2/1/2023 457,395.48 145,000.00 307,319.96 452,319.96 13,339.42 2/1/2024 493,696.66 150,000.00 348,825.90 498,825.90 8,210.19 2/1/2025 532,364.68 150,000.00 381,776.70 531,776.70 8,798.17 2/1/2026 573,553.86 150,000.00 416,903.70 566,903.70 15,448.33 2/1/2027 617,428.56 155,000.00 469,496.24 624,496.24 8,380.65 2/1/2028 664,163.90 155,000.00 510,748.25 665,748.25 6,796.30 2/1/2029 713,946.39 155,000.00 554,725.16 709,725.16 11,017.53 8/1/2029 - 690,000.00 2,572,101.96 3,262,101.96 (3,251,084.43) Total 7,905,024.85 3,725,000.00 7,431,109.28 11,156,10928 Combined Mountain Inn & Downtown Master Plan District Based on £16 Mils / UofA Projected Assessment Growth Rate (18 Projects Planned Over Next 5 Years / $128 Million Appraised Value) d Available Increment................................................................................ 5,319,284,550 d Available Yield...................................................................................... 27,447,508 Present Value of Available Yield................................................................... 15,878,309 Rate .............................. . . .................................................................... 0.516% entValue Rate......................................................................................... 3.00% ear. wry, t_w r ., 2005' 2006 2007 2008 2009 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 Assessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% Increment 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 Available Yield 18,575 55,069 133,852 187,271 237,709 PV of Available Yield 18,034 51,907 122,493 166,388 205,050 2010 ;r 2011 `. 2012' 2013. 2014 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 85,994,207 95,453,570 106,010,735 117,809,730 130,992,639 essment Growth Rate 10.94% 11.00% 11.06% 11.13% 11.19% ement 54,547,652 64,007,015 74,564,180 86,363,175 99,546,084 Lilable Yield 281,466 330,276 384,751 445,634 513,658 of Available Yield 235,723 268,545 303,726 341,541 382,210 Yeairn- '` 2015 ' ; -2016 x2017 2018 2019 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 _' 31,446,555 Total Assessment 145,742,410 162,240,451 180,719,638 201,430,109 224,655,000 Assessment Growth Rate 11.26% 11.32% 11.39% 11.46% 11.53% Increment 114,295,855 130,793,896 149,273,083 169,983,554 193,208,445 Available Yield 589,767 674,897 770,249 877,115 996,956 PV of Available Yield 426,060 473,359 524,502 579,876 639,908 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 250,714,980 279,973,418 312,842,298 349,788,973 391,378,882 Assessment Growth Rate 11.60% 11.67% 11.74% 11.81% 11.89% Increment 219,268,425 248,526,863 281,395,743 318,342,418 359,932,327 Available Yield 1,131,425 1,282,399 1,452,002 1,642,647 1,857,251 PV of Available Yield 705,067 775,872 852,898 936,779 1,028,315 2025 2026 2027 2028. 2029 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 438,187,796 490,901,788 550,349,995 617,382,624 693,073,734 essment Growth Rate 11.96% 12.03% 12.11% 12.18% 12.26% 'ement 406,741,241 459,455,233 518,903,440 585,936,069 661,627,179 iilable Yield 2,098,785 2,370,789 2,677,542 3,023,430 3,413,996 of Available Yield 1,128,200 1,237,297 1,356,688 1,487,327 1,630,544 Mountain Inn / Dickson Street Redevelopment District Based on UofA Projected Revenues at 5.16 Mils Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate ........................ ................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 138,575.12 130,000.00 6,697.08 136,697.08 1,878.04 2/1/2007 55,068.50 50,000.00 6,048.80 56,048.80 897.75 2/1/2008 133,851.62 110,000.00 21,452.42 131,452.42 3,296.94 2/1/2009 187,270.91 145,000.00 39,724.49 184,724.49 5,843.37 2/1/2010 237,708.83 175,000.00 62,669.95 237,669.95 5,882.25 2/1/2011 281,465.89 195,000.00 87,326.07 282,326.07 5,022.07 2/1/2012 330,276.20 215,000.00 116,844.76 331,844.76 3,453.51 2/1/2013 384,751.17 235,000.00 151,673.70 386,673.70 1,530.98 2/1/2014 445,633.98 250,000.00 188,527.50 438,527.50 8,637.46 2/1/2015 513,657.79 275,000.00 239,244.50 514,244.50 8,050.75 2/1/2016 589,766.61 295,000.00 293,083.68 588,083.68 9,733.68 2/1/2017 674,896.50 320,000.00 360,059.52 680,059.52 4,570.67 2/1/2018 770,249.11 340,000.00 430,293.12 770,293.12 4,526.65 2/1/2019 877,115.14 365,000.00 516,556.76 881,556.76 85.03 2/1/2020 996,955.58 385,000.00 606,284.14 991,284.14 5,756.47 2/1/2021 1,131,425.07 240,000.00 418,762.56 658,762.56 478,418.98 2/1/2022 1,282,398.61 - - - 1,760,817.60 2/1/2023 1,452,002.03 - - - 3,212,819.63 2/1/2024 1,642,646.88 - - - 4,855,466.51 2/1/2025 1,857,250.81 - - - 6,712,717.31 2/1/2026 2,098,784.80 - - - 8,811,502.12 2/1/2027 2,370,789.00 - - - 11,182,291.12 2/1/2028 2,677,541.75 - - - 13,859,832.87 2/1/2029 3,023,430.12 - - - 16,883,262.98 8/1/2029 - - - - 16,883,262.98 Total 24,153,512.03 3,725,000.00 3,545,249.05 7,270,249.05 Combined Mountain Inn & Downtown Master Plan District Based on 5.16 Mils /2000-2004 Median Growth Rate oft 91 % (18 Projects Planned Over Next 5 Years /$128 Million Appraised Value) d Available Increment................................................................................ 3,769,234,181 it Available Yield...................................................................................... 19,449,248 Present Value of Available Yield................................................................... 11,529,379 Rate.................................................................................................... 0.516% entValue Rate......................................................................................... 3.00% rear -> 2005= ;„-g................ 2006 ..2007 2008 2009 rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 .ssessment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% icrement 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 .vailable Yield 18,575 55,069 133,852 187,271 237,709 V of Available Yield 18,034 51,907 122,493 166,388 205,050 9 .•eaaz�,. r' �' "a •y am* 02 0 h 20.:1 4 ,,2012 2013 2014 �T rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 84,420,670 91,942,552 100,134,633 109,056,629 118,773,575 .ssessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% icrement 52,974,115 60,495,997 68,688,078 77,610,074 87,327,020 .vailable Yield 273,346 312,159 354,430 400,468 450,607 V of Available Yield 228,923 253,814 279,791 306,925 335,294 <,. --..,, ear ;R ,,a . ,, -201v5, ;;E F r — « x2017 - 2018 - 2019 rozen Assessment �.. 31,446,555 .=:=20;16:1 _ 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 129,356,300 140,881,946 153,434,528 167,105,544 181,994,648 .ssessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% icrement 97,909,745 109,435,391 121,987,973 135,658,989 150,548,093 .vailable Yield 505,214 564,687 629,458 700,000 776,828 V of Available Yield 364,978 396,060 428,630 462,783 498,616 ear*< iM 1 i .N4t4L4b a .+Y.£Y K...yrZFv n2 0 r' 2027 9 2022 f 2023 S 2O24%r rozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 otal Assessment 198,210,371 215,870,916 235,105,014 256,052,871 278,867,182 .ssessment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% icrement 166,763,816 184,424,361 203,658,459 224,606,316 247,420,627 .vailable Yield 860,501 951,630 1,050,878 1,158,969 1,276,690 V of Available Yield 536,236 575,752 617,280 660,944 706,873 2025 202&--,- 2027 2028;' 2029 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 303,714,248 330,775,187 360,247,256 392,345,287 427,303,252 essment Growth Rate 8.91% 8.91% 8.91% 8.91% 8.91% 'ement 272,267,693 299,328,632 328,800,701 360,898,732 395,856,697 tilable Yield 1,404,901 1,544,536 1,696,612 1,862,237 2,042,621 of Available Yield 755,204 806,082 859,659 916,097 975,567 E Mountain Inn / Dickson Street Redevelopment District Based on 2000-2004 Median Growth Rate of 8.91@ at 5.16 Mils Par Amount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 138,575.12 130,000.00 6,697.08 136,697.08 1,878.04 2/1/2007 55,068.50 50,000.00 6,048.80 56,048.80 897.75 2/1/2008 133,851.62 110,000.00 21,452.42 131,452.42 3,296.94 2/1/2009 187,270.91 145,000.00 39,724.49 184,724.49 5,843.37 2/1/2010 237,708.83 175,000.00 62,669.95 237,669.95 5,882.25 2/1/2011 273,346.43 190,000.00 85,086.94 275,086.94 4,141.74 2/1/2012 312,159.34 200,000.00 108,692.80 308,692.80 7,608.29 2/1/2013 354,430.48 220,000.00 141,992.40 361,992.40 46.37 2/1/2014 400,467.98 225,000.00 169,674.75 394,674.75 5,839.60 2/1/2015 450,607.42 240,000.00 208,795.20 448,795.20 7,651.82 2/1/2016 505,214.28 255,000.00 253,343.52 508,343.52 4,522.59 2/1/2017 564,686.62 265,000.00 298,174.29 563,174.29 6,034.92 2/1/2018 629,457.94 280,000.00 354,359.04 634,359.04 1,133.82 2/1/2019 700,000.38 285,000.00 403,338.84 688,338.84 12,795.36 2/1/2020 776,828.16 305,000.00 480,303.02 785,303.02 4,320.50 2/1/2021 860,501.29 315,000.00 549,625.86 864,625.86 195.94 2/1/2022 951,629.70 325,000.00 626,001.35 951,001.35 824.29 2/1/2023 1,050,877.65 10,000.00 21,194.48 31,194.48 1,020,507.46 2/1/2024 1,158,968.59 - - - 2,179,476.05 2/1/2025 1,276,690.43 - - - 3,456,166.48 2/1/2026 1,404,901.29 - - - 4,861,067.77 2/1/2027 1,544,535.74 - - - 6,405,603.52 2/1/2028 1,696,611.62 - - - 8,102,215.13 2/1/2029 1,862,237.46 - - - 9,964,452.59 8/1/2029 - - - - 9,964,452.59 Total 17,526,627.82 3,725,000.00 3,837,175.23 7,562,175.23 • Combined Mountain Inn & Downtown Master Plan District Based on 5.16 Mils / 1996-2004 Median Growth Rate of 6.52% (18 Projects Planned Over Next 5 Years /$128 Million Appraised Value) tl Available Increment................................................................................ 2,706,328,967 tl Available Yield...................................................................................... 13,964,657 Present Value of Available Yield................................................................... 8,486,841 Rate.................................................................................................... 0.516% entValue Rate......................................................................................... 3.00% ,2005 3 =2006 -2007 2008 2009 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 35,046,385 42,118,745 57,386,791 67,739,368 77,514,159 essment Growth Rate 10.54% 20.18% 36.25% 18.04% 14.43% -ement 3,599,830 10,672,190 25,940,236 36,292,813 46,067,604 tilable Yield 18,575 55,069 133,852 187,271 237,709 of Available Yield 18,034 51,907 122,493 166,388 205,050 2013 2014 zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 82,568,082 87,951,521 93,685,960 99,794,284 106,300,872 essment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% -ement 51,121,527 56,504,966 62,239,405 68,347,729 74,854,317 tilable Yield 263,787 291,566 321,155 352,674 386,248 of Available Yield 220,918 237,070 253,523 270,295 287,405 vtZ��'*`�Wp�,vT.r201>5.. `1 X226'16 a •,a201>7 2018>: 201.9" zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 113,231,689 120,614,395 128,478,453 136,855,248 145,778,210 essment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% -ement 81,785,134 89,167,840 97,031,898 105,408,693 114,331,655 Lilable Yield 422,011 460,106 500,685 543,909 589,951 of Available Yield 304,870 322,709 340,942 359,588 378,667 As x 2O20 , �' x20211 X2022 ^ 2023 s �� zen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 al Assessment 155,282,950 165,407,398 176,191,960 187,679,676 199,916,391 essment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% "ement 123,836,395 133,960,843 144,745,405 156,233,121 168,469,836 tilable Yield 638,996 691,238 746,886 806,163 869,304 of Available Yield 398,201 418,210 438,717 459,743 481,313 2027 2028 2029 Frozen Assessment 31,446,555 31,446,555 31,446,555 31,446,555 31,446,555 Total Assessment 212,950,940 226,835,341 241,625,005 257,378,956 274,160,064 Assessment Growth Rate 6.52% 6.52% 6.52% 6.52% 6.52% Increment 181,504,385 195,388,786 210,178,450 225,932,401 242,713,509 Available Yield 936,563 1,008,206 1,084,521 1,165,811 1,252,402 PV of Available Yield 503,449 526,175 549,518 573,502 598,154 0 0 Mountain Inn / Dickson Street Redevelopment District Based on 1996-2004 Median Growth Rate of 6.52% at 5.16 Mils ParAmount of Bonds.............................................................................................. 3,725,000.00 InterestRate........................................................................................................ 6.50% Accrued Total Principal Excess Cash Date Revenue Bonds Called Interest & Interest Balance 4/19/2005 - - - - - 2/1/2006 138,575.12 130,000.00 6,697.08 136,697.08 1,878.04 2/1/2007 55,068.50 50,000.00 6,048.80 56,048.80 897.75 2!1/2008 133,851.62 110,000.00 21,452.42 131,452.42 3,296.94 2/1/2009 187,270.91 145,000.00 39,724.49 184,724.49 5,843.37 2/1/2010 237,708.83 175,000.00 62,669.95 237,669.95 5,882.25 2/1/2011 263,787.08 185,000.00 82,847.81 267,847.81 1,821.52 2/1/2012 291,565.62 190,000.00 103,258.16 293,258.16 128.98 2/1/2013 321,155.33 195,000.00 125,856.90 320,856.90 427.41 2/1/2014 352,674.28 200,000.00 150,822.00 350,822.00 2,279.69 2/1/2015 386,248.27 205,000.00 178,345.90 383,345.90 5,182.07 2/1/2016 422,011.29 210,000.00 208,635.84 418,635.84 8,557.52 2/1/2017 460,106.05 220,000.00 247,540.92 467,540.92 1,122.65 2/1/2018 500,684.59 220,000.00 278,424.96 498,424.96 3,382.28 2/1/2019 543,908.86 225,000.00 318,425.40 543,425.40 3,865.74 2/1/2020 589,951.34 230,000.00 362,195.72 592,195.72 1,621.36 2/1/2021 638,995.80 230,000.00 401,314.12 631,314.12 9,303.04 2/1/2022 691,237.95 235,000.00 452,647.13 687,647.13 12,893.86 2/1/2023 746,886.29 240,000.00 508,667.52 748,667.52 11,112.63 2/1/2024 806,162.91 245,000.00 569,748.97 814,748.97 2,526.57 2/1/2025 869,304.35 85,000.00 216,340.13 301,340.13 570,490.79 2/1/2026 936,562.63 - - - 1,507,053.42 2/1/2027 1,008,206.14 - - - 2,515,259.55 2/1/2028 1,084,520.80 - - - 3,599,780.36 2/1/2029 1,165,811.19 - - - 4,765,591.55 8/1/2029 - - - - 4,765,591.55 Total 12,832,255.77 3,725,000.00 4,341,664.22 8,066,664.22 Fss KUTAK ROCK LLP If' - TA CHICAGO SUITE 1100 DENVER 425 WEST CAPITOL AVENUE DES MOINES FAYETTEVILLE NORTHWEST ARKANSAS OFFICE LITTLE ROCK, ARKANSAS 72201-3409 IRVINE THE THREE SISTER$ BUILDING KANSAS CITY 501-975-3000 214 WEST DICKSON STREET LOS ANGELES FACSIMILE 501-975-3001 OKLAHOMA CITY FAYETTEVILLE. ARKANSAS 72701-5221 •79-978-4200 W W W.ku1Gkrock.COR1 OMAHA PASADENA RICHMOND GORDON M. WILBOURN SCOTTSDALE goroon.wiIboum@kulakmck.com June 27, 2005 WASHINGTON (501) 975-3101 WICHITA VIA FEDEX p rrrcf/on Mr. Steve Davis Finance and Internal Services Director City of Fayetteville, Arkansas 113 West Mountain Fayetteville, AR 72701 $3,725,000 City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 Dear Steve: Enclosed is your CD -Rom copy of the final transcript with respect to the above -captioned matter. The contents of the CD -Rom transcript are identical to the hardbound transcript previously distributed. Sincerely, on M. Wilbourn paj Enclosure Shelly Turberville Submitted By trustee $ 5,000.00 Cost of this request 3370.9370.7502.00 Account Number City of Fayetteville Staff Review Form City Council Agenda Items or Contracts City Cbun6il Meeting Date Accounting Finance & Internal Services Division Department Action Required: r the Successor Trustee on TIF bonds. The successor is Regions Bank. $ - TIF Bonds Category / Project Budget Program Category / Project Name TIF Bonds Funds Used to Date Program / Project Category Name TIF Project Number Remaining Balance Fund Name Budgeted Item Budget Adjustment Attached Previous Ordinance or Resolution # 4 1DB 1 Department Director Date Original Contract Date: /zzi o6 City Attorney Date Financ n nternal Service Directo Da Mayor Date Original Contract Number: Received in ih/CIKI) Office tlY I E�ttE Received in Mayor's Office ENTEREp ,13 Regions � Bank Trustee Fee Schedule For City of Fayetteville, Arkansas Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project) Series 2005 Trustee Authentication & Acceptance Fee: $1,500.00 (remainder of initial fees received from prior trustee) Annual Trustee Fees: (Each April 1) (Extraordinary legal expenses at cost) Accepted by: Date: $3,500.00 ClaricePearman - Regions Bank Page 1 From: Clarice Pearman To: Turberville, Shelly Date: 6.23.06 4:57PM Subject: Regions Bank Shelly, Attached is a copy of the fee schedule for Regions Bank as successor. Have a good weekend. Thanks. Clarice CC: Audit; Farthing, Marsha City of Fayetteville Staff Review Form City Council Agenda Items or Contracts City Council Meeting Date Marsha Farthing Accounting and Audit Submitted By Division Action Required: Approval of agreement with Bank of Fayetteville to appoint a successor trust Interest Accretion Bonds (TIF), series 2005. Cost of this request Account Number Project Number Budgeted Item Department Director City mey Mayor Category / Project Budget Funds Used to Date Remaining Balance fu5l,(z4a /-uif 5e.nis Fin and Int Services Budget Adjustment Attached EJ Date /lfroco Date � b Date Department Tax Increment Program Category / Project Name Program / Project Category Name Fund Name Previous Ordinance or Resolution # Original Contract Date: Original Contract Number: Received i tlfltKtrce Received in Mayor's Office EEp AGREEMENT OF RESIGNATION, APPOINTMENT AND ACCEPTANCE THIS AGREEMENT OF RESIGNATION, APPOINTMENT AND ACCEPTANCE, dated as of June 1, 2006, by and among the CITY OF FAYETTEVILLE, ARKANSAS (the "Issuer"), THE BANK OF FAYETTEVILLE, N.A., a national banking association organized under and existing by virtue of the laws of the United States of America (the "Prior Trustee"), and REGIONS BANK, a banking corporation organized under and existing by virtue of the laws of the State of Alabama, with a principal trust office in Little Rock, Arkansas (the "Successor Trustee"); WITNESSETH: WHEREAS, the Issuer appointed the Prior Trustee as trustee under the Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the Issuer and the Prior Trustee, as trustee for the holders of the Issuer's $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"); and WHEREAS, the Prior Trustee has given the Issuer and the holders of the Bonds notice of its resignation from the performance of its duties pursuant to Section 907 of the Indenture; WHEREAS, as permitted by Section 909 of the Indenture, the Issuer desires to appoint the Successor Trustee as sucessor trustee to succeed the Prior Trustee in its capacity as trustee under the Indenture; and WHEREAS, the Successor Trustee is willing to accept such appointment as successor trustee under the Indenture; NOW, THEREFORE, the Issuer, the Prior Trustee and the Successor Trustee, for and in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, hereby consent and agree as follows: THE PRIOR TRUSTEE Section 1.01. The Prior Trustee hereby resigns as trustee under the Indenture. Section 1.02. The Prior Trustee hereby assigns, transfers, delivers and confirms to the Successor Trustee all right, title and interest of the Prior Trustee in and to the Trust Estate under the Indenture and all the rights, powers and trusts of the Prior Trustee, as trustee under the Indenture. The Prior Trustee shall execute and deliver such further instruments and shall do such other things as the Successor Trustee may reasonably require so as to more fully and certainly vest and confirm in the Successor Trustee all the rights, powers and trusts hereby assigned, transferred, delivered and confirmed to the Successor Trustee, as trustee under the Indenture. 4813-6978-2016.2 "AIIQPno1I THE ISSUER Section 2.01. The Issuer hereby accepts the resignation of the Prior Trustee as trustee under the Indenture. Section 2.02. All conditions relating to the appointment of Regions Bank as successor trustee under the Indenture have been met by the Issuer, and the Issuer hereby appoints the Successor Trustee as trustee under the Indenture with like effect as if originally named as trustee in the Indenture. ARTICLE III THE SUCCESSOR TRUSTEE Section 3.01. The Successor Trustee hereby represents and warrants to the Prior Trustee and to the Issuer that the Successor Trustee is not disqualified to act as trustee under the Indenture. Section 3.02. The Successor Trustee hereby accepts its appointment as successor trustee under the Indenture and accepts the rights, powers, duties and obligations of the Prior Trustee as trustee under the Indenture, upon the terms and conditions set forth therein, with like effect as if originally named as trustee under the Indenture. MISCELLANEOUS Section 4.01. This Agreement and the resignation, appointment and acceptance effected hereby shall be effective as of the date of execution by all of the parties hereto. Section 4.02. This Agreement shall be governed by and construed in accordance with the laws of the State of Arkansas. Section 4.03. This Agreement maybe executed in any number of counterparts each of which shall be original, but such counterparts shall together constitute but one and the same instrument. Section 4.04. The persons signing this Agreement on behalf of the Issuer, the Successor Trustee and the Prior Trustee are duly authorized to execute it on behalf of such parties, and each party warrants that it is authorized to execute this Agreement and to perform its duties hereunder. 4813-6978-2016.2 IN WITNESS WHEREOF, the parties hereto have caused this Agreement of Resignation, Appointment and Acceptance to be duly executed and acknowledged all as of the day and year first above written. CITY OF FAYETTEVILLE, ARKANSAS, as Issuer Name: Dan Coody Title: Mayor ATTEST: By: I Name: Sondra Smith Title: City Clerk THE BANK OF FAYETTEVILLE, N.A., as Prior Trustee By: Name: t'1 • }ce dQ r;t k SV\QP Title: Sevot- J:cez9'rttt& .nor REGIONS BANK, as Successor Trustee By: Name:���a..._ Title: V&c Py 5cc --% 4813-6978-2016.1 AGREEMENT OF RESIGNATION, APPOINTMENT AND ACCEPTANCE THIS AGREEMENT OF RESIGNATION, APPOINTMENT AND ACCEPTANCE, dated as of June 1, 2006, by and among the CITY OF FAYETTEVILLE, ARKANSAS (the "Issuer"), THE BANK OF FAYETTEVILLE, N.A., a national banking association organized under and existing by virtue of the laws of the United States of America (the "Prior Trustee"), and REGIONS BANK, a banking corporation organized under and existing by virtue of the laws of the State of Alabama, with a principal trust office in Little Rock, Arkansas (the "Successor Trustee"); WITNESSETH: WHEREAS, the Issuer appointed the Prior Trustee as trustee under the Trust Indenture dated as of April 15, 2005 (the "Indenture"), by and between the Issuer and the Prior Trustee, as trustee for the holders of the Issuer's $3,725,000 Tax Increment Interest Accretion Bonds (Highway 71 East Square Redevelopment District No. 1 Project), Series 2005 (the "Bonds"); and WHEREAS, the Prior Trustee has given the Issuer and the holders of the Bonds notice of its resignation from the performance of its duties pursuant to Section 907 of the Indenture; WHEREAS, as permitted by Section 909 of the Indenture, the Issuer desires to appoint the Successor Trustee as sucessor trustee to succeed the Prior Trustee in its capacity as trustee under the Indenture; and WHEREAS, the Successor Trustee is willing to accept such appointment as successor trustee under the Indenture; NOW, THEREFORE, the Issuer, the Prior Trustee and the Successor Trustee, for and in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, hereby consent and agree as follows: ARTICLE I THE PRIOR TRUSTEE Section 1.01. The Prior Trustee hereby resigns as trustee under the Indenture. Section 1.02. The Prior Trustee hereby assigns, transfers, delivers and confirms to the Successor Trustee all right, title and interest of the Prior Trustee in and to the Trust Estate under the Indenture and all the rights, powers and trusts of the Prior Trustee, as trustee under the Indenture. The Prior Trustee shall execute and deliver such further instruments and shall do such other things as the Successor Trustee may reasonably require so as to more fully and certainly vest and confirm in the Successor Trustee all the rights, powers and trusts hereby assigned, transferred, delivered and confirmed to the Successor Trustee, as trustee under the Indenture. 4813-6978-2016.2 ARTICLE II THE ISSUER Section 2.01. The Issuer hereby accepts the resignation of the Prior Trustee as trustee under the Indenture. Section 2.02. All conditions relating to the appointment of Regions Bank as successor trustee under the Indenture have been met by the Issuer, and the Issuer hereby appoints the Successor Trustee as trustee under the Indenture with like effect as if originally named as trustee in the Indenture. ARTICLE III THE SUCCESSOR TRUSTEE Section 3.01. The Successor Trustee hereby represents and warrants to the Prior Trustee and to the Issuer that the Successor Trustee is not disqualified to act as trustee under the Indenture. Section 3.02. The Successor Trustee hereby accepts its appointment as successor trustee under the Indenture and accepts the rights, powers, duties and obligations of the Prior Trustee as trustee under the Indenture, upon the terms and conditions set forth therein, with like effect as if originally named as trustee under the Indenture. F"1 4914LllA"T MISCELLANEOUS Section 4.01. This Agreement and the resignation, appointment and acceptance effected hereby shall be effective as of the date of execution by all of the parties hereto. Section 4.02. This Agreement shall be governed by and construed in accordance with the laws of the State of Arkansas. Section 4.03. This Agreement maybe executed in any number of counterparts each of which shall be original, but such counterparts shall together constitute but one and the same instrument. Section 4.04. The persons signing this Agreement on behalf of the Issuer, the Successor Trustee and the Prior Trustee are duly authorized to execute it on behalf of such parties, and each party warrants that it is authorized to execute this Agreement and to perform its duties hereunder. 4813-6978-2016.2 IN WITNESS WHEREOF, the parties hereto have caused this Agreement of Resignation, Appointment and Acceptance to be duly executed and acknowledged all as of the day and year first above written. CITY OF FAYETTEVILLE, ARKANSAS, as Issuer By: Name: Dan Coody Title: Mayor ATTEST: By: Name: Sondra Smith Title: City Clerk THE BANK OF FAYETTEVILLE, N.A., as Prior Trustee ByD Name: 'b • ice e c;C ([ g1nQ� Title: Sev�:oe` d;eQ�res:a K� REGIONS BANK, as Successor Trustee Na: Name:q,� k r P Title: %JJ, e Py Rs cQ 4817-6978-2016.1 1 • 1 • • 11 1.1 •(_I1 1 ti 1 1 : K C YI 111 : ' '1 >. 1X11 1 '1Ti, 1 11 111 _1 41 Yal ♦ 1 11 .YI♦1 :11 :,V '''id -1•.1 1 1 1 :11 CITY OF FAYETfEVILLE, ARKANSAS, as Issuer By: Name: Dan Coody Title: Mayor ATTEST: Name: Sondra Smith Tide: City Clerk THE BANK OF FAYETTEVILLE, N.A., as Prior Trustee By. Name: Title: Pli 11 II. .:. 4113.6971-2016.2 IN WITNESS WHEREOF, the parties hereto have caused this Agreement of Resignation, Appointment and Acceptance to be duly executed and acknowledged all as of the day and year first above written. CITY OF FAYETTEVILLE, ARKANSAS, as Issuer Name: Dan Coody Title: Mayor ATTEST: By: Name: Sondra Smith Title: City Clerk THE BANK OF FAYETTEVILLE, N.A., as Prior Trustee By- Name: t7 i cQ a e o:t �c $Y�Q Title: Scvvot- I;ce^tes:a .n�C REGIONS BANK, as Successor Trustee Name: Title: 4813.6978-2016.1 Clarice Pearman - Re: Bank of Fayetteville •Page 1 From: Shelly Turberville To: Pearman, Clarice Date: 6.19.06 11:17AM Subject: Re: Bank of Fayetteville Clarice, Gordon who is our Bond Council has the Bank Signatures. I will talk to Marsha and see what she wants me to do. Thanks Shelly Turberville Accounting Coordinator City of Fayetteville 113 W. Mountain Street Fayetteville, AR 72701 (479) 575-8274 (479) 575-8273 Fax sturberville@ci.fayetteville.ar.us >>> Clarice Pearman 6/19/2006 9:58 am >>> Shelly, Do you haveagreements with Bank of Fayetteville and Regions Bank signatures. If not, please get me signed agreements and then I will get the mayors signature. Any contract submitted for the mayors signature must have the signature of the other parties first. The only exception to that is the federal government agreements, state agreements or Washington County agreements. Thanks. Clarice Clarice Pearman - Trustee A reement Page 1 From: Clarice Pearman To: Farthing, Marsha; Turberville, Shelly Date: 6.21.06 3:34PM Subject: Trustee Agreement Shelly & Marsha: Attached is a copy of the trustee's agreement with all the pertinent signatures. Thanks. Clarice CC: Smith. Sondra