Loading...
ORD 96-51 GENERAL OBLIGATION BONDORDINANCE NO. 96- 51 AN ORDINANCE of the City of Bainbridge Island, Washington, relating to contracting indebtedness; providing for the issuance of $2,000,000 par value of Limited Tax General Obligation Bonds, 1996, of the City for general City purposes to provide funds with which to pay costs of acquiring land to be used for construction of a new City Hall and maintenance facility, design and related charges for the maintenance facility; fixing the date, form, maturities, interest rates, terms and covenants of the bonds; establishing a bond redemption fund and an acquisition fund; and approving the sale and providing for the delivery of the bonds to Pacific Crest Securities of Seattle, Washington. This document prepared by: Foster Pepper & Shefelman 1111 Third Avenue, Suite 3400 Seattle, Washington 98101 (206) 447-4400 0263757.02 CITY OF BAINBRIDGE ISLAND, WASHINGTON ORDINANCE NO. 96-51 AN ORDINANCE of the City of Bainbridge Island, Washington, relating to contracting indebtedness; providing for the issuance of $2,000,000 par value of Limited Tax General Obligation Bonds, 1996, of the City for general City purposes to provide funds with which to pay costs of acquiring land to be used for construction of a new City Hall and maintenance facility, design and related charges for the maintenance facility; fixing the date, form, maturities, interest rates, terms and covenants of the bonds; establishing a bond redemption fund and an acquisition fund; and approving the sale and providing for the delivery of the bonds to Pacific Crest Securities of Seattle, Washington. WHEREAS, the City of Bainbridge Island, Washington (the "City"), is in need of acquiring land to be used for construction of a new City Hall and maintenance facility, design and related charges for the maintenance facility, the estimated cost of which is $2,000,000, and the City does not have available sufficient funds to pay the cost; and WHEREAS, Pacific Crest Securities of Seattle, Washington, has offered to purchase $2,000,000 par value of limited tax general obligation bonds issued by the City for such purposes, and as a condition to that offer would require the City initially to immobilize the bonds in book entry form with the Depository Trust Company of New York, New York; NOW, THEREFORE, THE CITY COUNCIL OF THE CITY OF BAINBRIDGE ISLAND, WASHINGTON, DO ORDAIN as follows: Section 1. Debt Capacity. The assessed valuation of the taxable property within the City as ascertained by the last preceding assessment for City purposes for the calendar year 1996 is $1,889,689,925, and the City has outstanding general indebtedness evidenced by limited tax general obligation bonds, leases and conditional sales contracts in the principal amount of $4,650,905 incurred within the limit of up to 1-1/2% of the value of the taxable property within the City permitted for general municipal purposes without a vote of the qualified voters therein, and the amount of indebtedness for which bonds are authorized herein to be issued is $2,000,000. Section 2. Authorization of Bonds. The City shall borrow money on the credit of the City and issue negotiable limited tax general obligation bonds evidencing that indebtedness in the amount of $2,000,000 for general City purposes to provide the funds to pay costs of acquiring land to be used for construction of a new City Hall and maintenance facility, and design and related charges for the maintenance facility (the "Project") and to pay the costs of 0263757.02 -1- issuance and sale of the bonds (the "costs of issuance"). The general indebtedness to be incurred shall be within the limit of up to 1-1/2% of the value of the taxable property within the City permitted for general municipal purposes without a vote of the qualified voters therein. Section 3. Description of Bonds. The bonds shall be called Limited Tax General Obligation Bonds, 1996, of the City (the "Bonds"); shall be in the aggregate principal amount of $2,000,000; shall be dated November 1, 1996; shall be in the denomination of $5,000 or any integral multiple thereof within a single maturity; shall be numbered separately in the manner and with any additional designation as the Bond Registrar (collectively, the fiscal agencies of the State of Washington located in Seat fie, Washington, and New York, New York) deems necessary for purposes of identification; shall bear interest (computed on the basis of a 360-day year of twelve 30-day months) payable semiannually on each June 1 and December 1, commencing June 1, 1997, to the maturity or earIier redemption of the Bonds; and shall mature on December 1 in years and amounts and bear interest at the rates per annum as follows: Maturity Interest Years Amounts Rates 1997 $50,000 5.125 1998 65,000 5.125 1999 65,000 5.125 2000 70,000 5.125 2001 75,000 5.125 2002 75,000 4,875 2003 80,000 4.875 2004 85,000 4.875 2005 90,000 4.875 2006 95,000 5,000 2007 95,000 5.125 2008 100,000 5,250 2009 110,000 5.250 2010 115,000 5,375 2011 120,000 5.500 2016 710,000 5.600 The life of the Project to be acquired with the proceeds of the Bonds exceeds the term of the Bonds. Section 4. Registration and Transfer of Bonds. The Bonds shall be issued only in registered form as to both principal and interest and shall be recorded on books or records maintained by the Bond Registrar (the "Bond Register"). The Bond Register shall contain the 0263757.02 -2- name and mailing address of the owner of each Bond and the principal amount and number of each of the Bonds held by each owner. Bonds surrendered to the Bond Registrar may be exchanged for Bonds in any authorized denomination of an equal aggregate principal amount and of the same interest rate and maturity. Bonds may be transferred only if endorsed in the manner provided thereon and surrendered to the Bond Registrar. Any exchange or transfer shall be without cost to the owner or transferee. The Bond Registrar shall not be obligated to exchange or transfer any Bond during the 15 days preceding any principal payment or redemption date. The Bonds initially shall be registered in the name of CEDE & CO., as the nominee of The Depository Trust Company, New York, New York CDTC"). The Bonds so registered shall be held in fully immobilized form by DTC as depository in accordance with the provisions of a Letter of Representations with DTC substantially in the form on file with the City Clerk and by this reference made a part hereof (the "Letter of Representations"). To induce DTC to accept the Bonds as eligible for deposit at DTC, the City approves the Letter of Representations. The Director of Finance and Administrative Services of the City is authorized and directed to execute and deliver the Letter of Representations, on behalf of the City, to DTC on or before the date of delivery of the Bonds to the purchaser thereof and the payment therefor, with such changes as the Director of Finance and Administrative Services of the City deems to be in the best interests of the City, and his execution and delivery of the Letter of Representations shall evidence irrevocably the approval of the Letter of Representations by the City. Neither the City nor the Bond Registrar shall have any responsibility or obligation to DTC participants or the persons for whom they act as nominees with respect to the Bonds regarding accuracy of any records maintained by DTC or DTC participants of any amount in respect of principal of or interest on the Bonds, or any notice which is permitted or required to be given to registered owners hereunder (except such notice as is required to be given by the Bond Registrar to DTC). For so long as any Bonds are held in fully immobilized form, DTC or its successor depository shall be deemed to be the registered owner for all purposes hereunder and all references to registered owners, bondowners, bondholders or the like shall mean DTC or its nominees and shall not mean the owners of any beneficial interests in the Bonds. Registered ownership of such Bonds, or any portions thereof, may not thereafter be transferred except: (i) to any successor of DTC or its nominee, if that successor shall be qualified under any applicable laws to provide the services proposed to be provided by it; (ii) to any substitute depository appointed by the City or such substitute depository's successor; or (iii) to any person if the Bonds are no longer held in immobilized form. Upon the resignation of DTC or its successor (or any substitute depository or its successor) from its functions as depository, or a determination by the City that it no longer wishes to continue the system of book entry transfers through DTC or its successor (or any substitute ~lepository or its successor), the City may appoint a substitute depository. Any such substitute depository shall be qualified under any applicable laws to provide the services proposed to be provided by it. 0263757.132 -3- If (i) DTC or its successor (or substitute depository or its successor) resigns from its functions as depository, and no substitute depository can be obtained, or (ii) the City determines that the Bonds are to be in certificated form, the ownership of Bonds may be transferred to any person as provided herein and the Bonds no longer shall be held in fully immobilized form. Section 5. Payment of Bonds. Both principal of and interest on the Bonds shall be payable in lawful money of the United States of America. Interest on the Bonds shall be paid by checks or drafts of the Bond Registrar mailed on the interest payment date to the registered owners at the addresses appearing on the Bond Register on the 15th day of the month preceding the interest payment date. Principal of the Bonds shall be payable upon presentation and surrender of the Bonds by the registered owners at either of the principal offices of the Bond Registrar at the option of the owners. Notwithstanding the foregoing, as long as the Bonds are registered in the name of DTC or its nominee, payment of principal of and interest on the Bonds shall be made in the manner set forth in the Letter of Representations. Section 6. Optional Redemption. Mandatory Redemption and Open Market Purchase of Bonds. Bonds maturing in the years 1997 through 2006, inclusive, shall be issued without the right or option of the City to redeem those Bonds prior to their stated maturity dates. The City reserves the right and option to redeem Bonds maturing on or after December 1, 2007, prior to their stated maturity dates on or after December 1, 2006, as a whole or in part at any time within one or more maturities selected by the City (and by lot within a maturity in such manner as the Bond Registrar shall determine), at par plus accrued interest to the date fixed for redemption. Bonds maturing in 2016 are Term Bonds and, if not redeemed under the optional redemption provisions set forth above or purchased in the open market under the provisions set forth below, shall be called for redemption by lot (in such manner as the Bond Registrar shall determine) at par plus accrued interest on December 1 in years and amounts as follows: Mandatory Mandatory Redemption Redemption Years Amounts 2012 $125,000 2013 135,000 2014 140,000 2015 150,000 2016(Maturity) 160,000 If the City shall redeem Term Bonds under the optional redemption provisions set forth above or purchase Term Bonds in the open market as set forth below, the par amount of the Term Bonds so redeemed or purchased (irrespective of their actual redemption or purchase prices) shall be credited against one or more scheduled mandatory redemption amounts for those Term Bonds (as allocated by the City) beginning not earlier than 60 days after the date of the optional redemption or purchase, and the City shall promptly notify the Bond Registrar in 0263757.132 -4- writing of the manner in which the credit for the Term Bonds so redeemed or purchased has been allocated. Portions of the principal amount of any Bond, in installments of $5,000 or any integral multiple thereof, may be redeemed. If less than all of the principal amount of any Bond is redeemed, upon surrender of that Bond at either of the principal offices of the Bond Registrar, there shall be issued to the registered owner, without charge therefor, a new Bond (or Bonds, at the option of the registered owner) of the same maturity and interest rate in any of the denominations authorized by this ordinance in the aggregate principal amount remaining unredeemed. The City further reserves the right and option to purchase any or all of the Bonds in the open market at any time at any price acceptable to the City plus accrued interest to the date of purchase. All Bonds purchased or redeemed under this section shall be canceled. Notwithstanding the foregoing, for so long as the Bonds are registered in the name of Cede & Co., as nominee of DTC, selection of Bonds for redemption shall be in accordance with the Letter of Representations. Section 7. Notice of Redemption. The City shall cause notice of any intended redemption of Bonds to be given not less than 30 nor more than 60 days prior to the date fixed for redemption by first-class mail, postage prepaid, to the registered owner of any Bond to be redeemed at the address appearing on the Bond Register at the time the Bond Registrar prepares the notice, and the requirements of this sentence shall be deemed to have been fulfilled when notice has been mailed as so provided, whether or not it is actually received by the owner of any Bond. Interest on Bonds called for redemption shall cease to accrue on the date fixed for redemption unless the Bond or Bonds called are not redeemed when presented pursuant to the call. In addition, the redemption notice shall be mailed within the same period, postage prepaid or by electronic transmission, to Moody' s Investors Service, Inc., and Standard & Poor' s at their offices in New York, New York, or their successors, to Pacific Crest Securities, at its principal office in Seattle, Washington, or its successor, and to such other persons, including registered securities depositories, and with such additional information as the City Director of Finance and Administrative Services shall determine, but these additional mailings shall not be a condition precedent to the redemption of Bonds. Notwithstanding the foregoing, for so long as the Bonds are registered in the name of Cede & Co., as nominee of DTC, notice of redemption shall be given in accordance with the Letter of Representations. Section 8. Failure to Redeem Bonds. If any Bond is not redeemed when properly presented at its maturity or call date, the City shall be obligated to pay interest on that Bond at the same rate provided in the Bond from and after its maturity or call date until that Bond, both principal and interest, is paid in full or until sufficient money for its payment in full is on deposit in the bond redemption fund hereinafter created and the Bond has been called for payment by giving notice of that call to the registered owner of each of those unpaid Bonds. 0263757.02 -5- Section 9. Pledge of Taxes. For as long as any of the Bonds are outstanding, the City irrevocably pledges to include in its budget and levy taxes annually within the constitutional and statutory tax limitations provided by law without a vote of the electors of the City on all of the taxable property within the City in an amount sufficient, together with other money legally available and to be used therefor, to pay when due the principal of and interest on the Bonds, and the full faith, credit and resources of the City are pledged irrevocably for the annual levy and collection of those taxes and the prompt payment of that principal and interest. Section 10. Form and Execution of Bonds. The Bonds shall be printed or lithographed on good bond paper in a form consistent with the provisions of this ordinance and state law and shall be signed by the Mayor and City Clerk, either or both of whose signatures may be manual or in facsimile, and the seal of the City or a facsimile reproduction thereof shall be impressed or printed thereon. Only Bonds bearing a Certificate of Authentication in the following form, manually signed by the Bond Registrar, shall be valid or obligatory for any purpose or entitled to the benefits of this ordinance: CERTIFICATE OF AUTHENTICATION This Bond is one of the fully registered City of Bainbridge Island, Washington, Limited Tax General Obligation Bonds, 1996, described in the Bond Ordinance. WASHINGTON STATE FISCAL AGENCY Bond Registrar By Authorized Signer The authorized signing of a Certificate of Authentiication shall be conclusive evidence that the Bonds so authenticated have been duly executed, authenticated and delivered and are entitled to the benefits of this ordinance. If any officer whose facsimile signature appears on the Bonds ceases to be an officer of the City authorized to sign bonds before the Bonds beating his or her facsimile signature are authenticated or delivered by the Bond Registrar or issued by the City, those Bonds nevertheless may be authenticated, issued and delivered and, when authenticated, issued and delivered, shall be as binding on the City as though that person had continued to be an officer of the City authorized to sign bonds. Any Bond also may be signed on behalf of the City by any person who, on the actual date of signing of the Bond, is an officer of the City authorized to sign bonds, although he or she did not hold the required office on the date of issuance of the Bonds. Section 11. Bond Registrar. The Bond Registrar shall keep, or cause to be kept, at its principal corporate trust office, sufficient books for the registration and transfer of the Bonds, which shall be open to inspection by the City at all times. The Bond Registrar is authorized, 0263757 -6- on behalf of the City, to authenticate and deliver Bonds transferred or exchanged in accordance with the provisions of the Bonds and this ordinance, to serve as the City's paying agent for the Bonds and to carry out all of the Bond Registrar's powers and duties under this ordinance and City Ordinance No. 83-10 establishing a system of registration for the City's bonds and obligations. The Bond Registrar shall be responsible for its representations contained in the Bond Registrar's Certificate of Authentication on the Bonds. The Bond Registrar may become the owner of Bonds with the same rights it would have if it were not the Bond Registrar and, to the extent permitted by law, may act as depository for and permit any of its officers or directors to act as members of, or in any other capacity with respect to, any committee formed to protect the rights of Bond owners. Section 12. Preservation of Tax Exemption for Interest on Bonds. The City covenants that it will take all actions necessary to prevent interest on the Bonds from being included in gross income for federal income tax purposes, and it will neither take any action nor make or permit any use of proceeds of the Bonds or other funds of the City treated as proceeds of the Bonds at any time during the term of the Bonds which will cause interest on the Bonds to be included in gross income for federal income tax purposes. The City certifies that it 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. Section 13. Small Governmental Issuer Arbitrage Rebate Exception and Designation of Bonds as "Qualified Tax-Exempt Obligations." The City finds and declares that (a) it is a duly organized and existing governmental unit of the State of Washington and has general taxing power; (b) no Bond which is part of this issue of Bonds is a "private activity bond" within the meaning of Section 141 of the United States Internal Revenue Code of 1986, as amended (the "Code"); (c) at least 95 % of the net proceeds of the Bonds will be used for local governmental activities of the City (or of a governmental unit the jurisdiction of which is entirely within the jurisdiction of the City); (d) the aggregate face amount of all tax-exempt obligations (other than private activity bonds and other obligations not required to be included in such calculation) issued by the City and all entities subordinate to the City (including any entity which the City controls, which derives its authority to issue tax-exempt obligations from the City or which issues tax-exempt obligations on behalf of the City) during the calendar year in which the Bonds are issued is not reasonably expected to exceed $5,000,000; and (e) the amount of tax-exempt obligations, including the Bonds, designated by the City as "qualified tax-exempt obligations" for the purposes of Section 265(b)(3) of the Code during the calendar year in which the Bonds are issued does not exceed $10,000,000. The City therefore certifies that the Bonds are eligible for the arbitrage rebate exception under Section 148(f)(4)(D) of the Code and designates the Bonds as "qualified tax-exempt obligations" for the purposes of Section 265(b)(3) of the Code. Section 14. Bonds Negotiable. The Bonds shall be negotiable instruments to the extent provided by RCW 62A.8-102 and 62A.8-105. Section 15. Refunding or Defeasance of the Bonds. The City may issue refunding bonds pursuant to the laws of the State of Washington or use money available from any other lawful 0263757.02 -7- source to pay when due the principal of and interest on the Bonds, or any portion thereof included in a refunding or defeasance plan, and to redeem and retire, refund or defease all such then-outstanding Bonds (hereinafter collectively called the "ddefeased Bonds") and to pay the costs of the refunding or defeasance. If money and/or "government obligations" (as defined in chapter 39.53 RCW, as now or hereafter amended) maturing at a time or times and bearing interest in amounts (together with money, if necessary) sufficient to redeem and retire, refund or clefease the clefeased Bonds in accordance with their terms are set aside in a special trust fund or escrow account irrevocably pledged to that redemption, retirement or defeasance of defeased Bonds (hereinafter called the "trust account"), then all right and interest of the owners of the defeased Bonds in the covenants of this ordinance and in the funds and accounts obligated to the payment of the clefeased Bonds shall cease and become void. The owners of defeased Bonds shall have the right to receive payment of the principal of and interest on the clefeased Bonds from the trust account. The City shall include in the refunding or defeasance plan such provisions as the City deems necessary for the random selection of any defeased Bonds that constitute less than all of a particular maturity of the Bonds, for notice of the defeasance to be given to the owners of the defeased Bonds and to such other persons as the City shall determine, and for any required replacement of Bond certificates for released Bonds. The defeased Bonds shall be deemed no longer outstanding, and the City may apply any money in any other fund or account established for the payment or redemption of the defeased Bonds to any lawful purposes as it shall determine. Section 16. Bond Fund and Deposit of Bond Proceeds. There is created and established in the office of the City Director of Finance and Administrative Services a special subaccount of the General Obligation Bond Redemption Fund designated as the Limited Tax General Obligation Bond Fund, 1996 (the "Bond Fund"). Accrued interest on the Bonds, if any, received from the sale and delivery of the Bonds shall be paid into the Bond Fund. All taxes collected for and allocated to the payment of the principal of and interest on the Bonds shall be deposited in the Bond Fund. There also has been previously created and established in the office of the Director of Finance and Administrative Services a special fund designated as the Capital Construction Fund (the "Acquisition Fund"). The principal proceeds [and premium, if any,] received from the sale and delivery of the Bonds shall be paid into the Acquisition Fund and used for the purposes specified in Section 2 of this ordinance. Until needed to pay the costs of the Project and costs of issuance of the Bonds, the City may invest principal proceeds temporarily in any legal investment, and the investment earnings may be retained in the Acquisition Fund and be spent for the purposes of that fund. Section 17. Approval of Bond Purchase Contract. Pacific Crest Securities of Seatfie, Washington, has presented a purchase contract (the "Bond Purchase Contract") to the City offering to purchase the Bonds under the terms and conditions provided in the Bond Purchase Contract, which written Bond Purchase Contract is on file with the City Clerk and is incorporated herein by this reference. The City Council finds that entering into the Bond Purchase Contract is in the City's best interest and therefore accepts the offer contained therein and authorizes its execution by City officials. 0263757.02 -8- The Bonds will be printed at City expense and will be delivered to the purchaser in accordance with the Bond Purchase Contract, with the approving legal opinion of Foster Pepper & Shefelman, municipal bond counsel of Seatfie, Washington, regarding the Bonds printed on each Bond. Bond counsel shall not be required to review and shall express no opinion concerning the completeness or accuracy of any official statement, offering circular or other sales material issued or used in connection with the Bonds, and bond counsel's opinion shall so state. The proper City officials are authorized and directed to do everything necessary for the prompt delivery of the Bonds to the purchaser and for the proper application and use of the proceeds of the sale thereof. Section 18. Preliminary Official Statement Deemed Final. The City Council has been provided with copies of a preliminary official statement dated October 25, 1996, as amended on October 30, 1996 (collectively, the "Preliminary Official Statement"), prepared in connection with the sale of the Bonds. For the sole purpose of the Bond purchaser's compliance with Securities and Exchange Commission Rule 15c2-12(b)(1), the City "deems final" that Preliminary Official Statement as of its date, except for the omission of information as to offering prices, interest rates, selling compensation, aggregate principal amount, principal amount per maturity, maturity dates, options of redemption, delivery dates, ratings and other terms of the Bonds dependent on such matters. Section 19. Temporary Bond. Pending the printing, execution and delivery to the purchaser of definitive Bonds, the City may cause to be executed and delivered to the purchaser a single temporary Bond in the total principal amount of the Bonds. The temporary Bond shall bear the same date of issuance, interest rates, principal payment dates and terms and covenants as the definitive Bonds, shall be issued as a fully registered Bond in the name of the purchaser, and otherwise shall be in a form acceptable to the purchaser. The temporary Bond shall be exchanged for definitive Bonds as soon as they are printed, executed and available for delivery. Section 20. Undertaking to Provide Continuing Disclosure. Because it will have outstanding less than $10,000,000 of obligations after the issuance of the Bonds, the City is currently exempt from the requirements of United States Securities and Exchange Commission CSEC") Rule 15c2-12(b)(5) (the "Rule"), as applicable to a participating underwriter for the Bonds, however, the City makes the following written undertaking (the "Undertaking") for the benefit of holders of the Bonds: (a) Undertaking to Provide Annual Financial Information and Notice of Material Events. The City undertakes to provide or cause to be provided, either directly or through a designated agent: (i) To each nationally recognized municipal securities information repository designated by the SEC in accordance with the Rule CNRMSIR'') and to a state information depository, if any, established in the state of Washington (the "SID") annual financial information and 0263757.02 -9- operating data of the type included in the final official statement for the Bonds and described in Section 20(b) ("annual financial information"); (ii) To each NRMSIR or the Municipal Securities Rulemaking Board CMSRB"), and to the SID, timely notice 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 credit or liquidity providers, or their failure to perform; (6) adverse tax opinions or events affecting the tax-exempt status of the Bonds; (7) modifications to rights of holders of the Bonds; (8) Bond calls (other than scheduled mandatory redemptions of Term Bonds); (9) defeasances; (10) release, substitution, or sale of property securing repayment of the Bonds; and (11) rating changes; and (iii) To each NRMSIR or to the MSRB, and to the SID, timely notice of a failure by the City to provide required annual financial information on or before the date specified in Section 20(b). (b) Type of Annual Financial Information Undertaken to be Provided. The annual financial information that the City undertakes to provide in Section 20(a): (i) Shall consist of (1) authorized, issued and outstanding balance of limited tax general obligation bonds; (2) assessed valuation for the fiscal year; (3) regular property tax levy rate and regular property tax levy rate limit for the fiscal year; and (4) annual financial statements for the City; (ii) Shall be prepared (except as noted in the financial statements) in accordance with applicable generally accepted accounting principles promulgated by the Government Accounting Standards Board CGASB"), as such principles may be changed from time to time by GASB or its successor; (iii) Shall not be audited, except, that if and when audited financial statements are otherwise prepared and available to the City they be will be available from the Director of Finance and Administrative Services of the City; (iv) Shall be provided to each NRMSIR and the SID, not later than the last day of the ninth month after the end of each fiscal year of the City (currently, a fiscal year ending December 31), as such fiscal year 0263757.02 -10- may be changed as required or permitted by State law, commencing with the City's fiscal year ending December 31, 1996; and (v) May be provided in a single or multiple documents, and may be incorporated by reference to other documents that have been filed with each NRMSIR and the SID, or, if the document incorporated by reference is a "final official statement" with respect to other obligations of the City, that has been filed with the MSRB. (c) Amendment of Undertaking. The Undertaking is subject to amendment after the primary offering of the Bonds without the consent of any holder of any Bond, or of any broker, dealer, municipal securities dealer, participating underwriter, rating agency, NRMSIR, the SID or the MSRB, under the circumstances and in the manner permitted by the Rule. The City will give notice to each NRMSIR or the MSRB, and the SID, of the substance (or provide a copy) of any amendment to the Undertaldng and a brief statement of the reasons for the amendment. If the amendment changes the type of annual financial information to be provided, the notice also will include a narrative explanation of the effect of that change on the type of information to be provided. (d) Beneficiaries. The Undertaking evidenced by this Section 20 shall inure to the benefit of the City and any holder of Bonds, and shall not inure to the benefit of or create any rights in any other person. (e) Termination of Undertaking. The City's obligations under this Undertaking shall terminate upon the legal defeasance of all of the Bonds. In addition, the City's obligations under this Undertaking shall terminate if those provisions of the Rule which require the City to comply with this Undertaking become legally inapplicable in respect of the Bonds for any reason, as confirmed by an opinion of nationally recognized bond counsel or other counsel familiar with federal securities laws delivered to the City, and the City provides timely notice of such termination to each NRMSIR or the MSRB and the SID. (f) Remedy for Failure to Comply with Undertaking. As soon as practicable after the City or any other obligated person learns of any failure to comply with the Undertaking, the City will proceed with due diligence to cause such noncompliance to be corrected. No failure by the City or other obligated person to comply with the Undertaldng shall constitute a default in respect of the Bonds. The sole remedy of any holder of a Bond shall be to take such actions as that holder deems necessary, including seeking an order of specific performance from an appropriate court, to compel the City or other obligated person to comply with the Undertaking. 0263757.02 -11- (g) Designation of Official Responsible to Administer Undertaking. The Director of Finance and Administrative Services of the City or his or her designee (or such other officer of the City who may in the future perform the duties of the Director of Finance and Administrative Services) is authorized and directed in his or her discretion to take such further actions as may be necessary, appropriate or convenient to carry out the Undertaking of the City in respect of the Bonds set forth in this Section 20 and in accordance with the Rule, including, without limitation, the following actions: (i) Preparing and filing the annual financial information undertaken to be provided; (ii) Determining whether any event specified in Section 20(a) has occurred, assessing its materiality with respect to the Bonds, and, if material, preparing and disseminating notice of its occurrence; (iii) Determining whether any person other than the City is an "obligated person" within the meaning of the Rule with respect to the Bonds, and obtaining from such person an undertaking to provide any annual financial information and notice of material events for that person in accordance with the Rule; (iv) Selecting, engaging and compensating designated agents and consultants, including but not limited to financial advisors and legal counsel, to assist and advise the City in carrying out the Undertaking; and (v) Effecting any necessary amendment of the Undertaking. Section 21. Effective Date of Ordinance. This ordinance shall take effect and be in force from and after its passage and five days following its publication as required by law. PASSED by the City Council this 7th day of November, 1996. APPROVED by the Mayor this ~ 7'_,4 day of November, 1996. Mayor ATTEST/AUTHENTICATED: CCity Clerk 0263757.02 -12- APPROVED AS TO FORM: City Attorney FILED WITH THE CITY CLERK: PASSED BY THE CITY COUNCIL: PUBLISHED: EFFECTIVE DATE: ORDINANCE NO.: 0263757.02 -14- I, SUSAN P. KASPER, City Clerk of the City of Bainbridge Island, Washington, certify that the attached copy of Ordinance No. 96- ,5'/ is a true and correct copy of the original ordinance passed on the 72Z4day of November, 1996, as that ordinance appears on the Minute Book of the City. DATED this 8/~day of November, 1996. SUSAN P. KASPER, City Clerk 0263757.02 -2.3 - FOSTER PEPPER & SHEFELMAN A LAW PARTNERSHIP INCLUDING PROFESSIONAl SERVICE CORPORATIONS November 6, 1996 DIRECT DIAL 200-447-8961 INTERNET ADDRESS MACKG@FOSTER.COM VIA OVERNIGHT DELIVERY Ms. Susan Kasper City Clerk City of Bainbridge Island 625 Winslow Way E. Bainbridge Island, WA 98110 Re: $2,000,000 Limited Tax General Obligation Bonds, 1996 Dear Sue: Enclosed for consideration and action by the City Council at its November 7 meeting is an ordinance authorizing the issuance and sale of the above-referenced bonds. If the ordinance is passed, please return four certified copies, together with certified excerpts of the minutes of the Council meeting reflecting its passage and the affidavit of publication of the ordinance by title, when available. The publication of the title of the ordinance should contain the usual statement that a copy of the ordinance in its entirety may be obtained upon request of the City. The only changes made to the ordinance are as a result of the pricing of the bonds and relate to the interest rates, term bonds, and date of the Preliminary Official Statement. We have reviewed the Bond Purchase Contract prepared by Pacific Crest Securities and find it to be in order. If you have any questions, please feel free to call Tracy Becht or me. Sincerely, FOSTER PEPPER & SHEFELMAN 0266087.WP I 111 THirD AVENUE, SUITE 3400 SEAt'FLe, WASHINGTON 98 I O I -3299 TeL. 206-447-4400 faCSImILE 206~447-9700 Ms. Susan Kasper November 6, 1996 Page 2 Enclosure cc (w/encl): Ralph Eells Rod Kaseguma Steve Gaidos Mike Jones 0266087.WP FOSTER PEPPER & SHEFELMAN A LAW PARTNERSHIP INCLUDING PROFESSIONAL SErViCE CORPORATIONS November 15, 1996 VIA OVERNIGHT DELIVERY Ms. Susan P. Kasper City Clerk City of Bainbridge Island 625 Winslow Way E. Bainbridge Island, WA 98110 Re: $2,000,000 Limited Tax General Obligation Bonds, 1996 Dear Sue: The following closing documents are being sent to you in preparation for the delivery of the above bonds on November 20: 1. Debt Capacity Certificate. This certificate has been prepared for Ralph Eell's signature. Signature Identification Certificate. This certificate has been prepared for your signature and should be signed before a notary public. , Tax Exemption and Nonarbitrage Certificate. This certificate has been prepared for the Mayor's signature and sets forth facts establishing that the bonds are not arbitrage bonds within the meaning of the Internal Revenue Code of 1986, as amended. Internal Revenue Service Form 8038-G. In order to preserve the tax-exempt status of interest on the bonds, this form must be filed with the Internal Revenue Service. Please ask Ralph Eells to sign the form at the bottom and we will file it on behalf of the City. Closing Certificate. This certificate also has been prepared for the Mayor's signature and is required by Pacific Crest Securities. 1111 THIRD AVENUE, SUITE 3400 SEATTLe, WASHINGTON 98101-3299 TEL, 206-447-4400 FACSIMILE 206-447-9700 ANCHORAGE, ALASKA BELLEVUE, WASHINGTON PORTLAND, OREGON SEATTLE, WASHINGTON Ms. Susan P. Kasper November 15, 1996 Page 2 Receipt for Payment. I understand no one from the City will be attending the closing, therefore, the enclosed Receipt for Payment should be signed by Ralph EelIs and returned with the other closing documents. I will hold the receipt in trust until I receive confirmation that the City has received its funds. In order to complete the transcript of proceedings on this financing we will need the following documents: 1. Four certified copies of Ordinance No. 96-51; Four certified excerpts of the minutes of the November 7, 1996, City Council meeting showing passage of Ordinance No. 96-51. If approved minutes are not available, unapproved minutes will suffice for closing purposes, with the approved minutes to follow when available. Four certified copies of the affidavit of publication of Ordinance No. 96-51. If the Affidavit of Publication is not available, the actual newspaper publication showing the date of publication will suffice for closing purposes, with the affidavit of publication to follow. I understand the ordinance was to be published on November 13. A prepaid, self-addressed Federal Express envelope is enclosed for your convenience in returning all of the enclosed and requested documents. I would appreciate receiving all of the enclosed and requested documents no later than Tuesday, November 20. If you have any questions, please give me a call. Sincerely, FOSTER PEPPER & SHEFELMAN Enclosures cc (w/o encl.): Ralph EelIs Rod Kaseguma Steve Gaidos 0267068 .WP I~/\('tf. IC %FTC1; N IT i E~ MUNICIPAL SECUI~,IT1ES $2,000,000 CITY OF BAINBRIDGE ISLAND, WASHINGTON LIMITED TAX GENERAL OBLIGATION BONDS, 1996 November 7, 1996 Honorable Council Members City of Bainbridge Island 625 Winslow Way E. Bainbridge Island, Washington 98110 Honorable Council Members: Pacific Crest Securities, Inc. (the "Purchaser") offers to purchase from the City of Bainbridge Island, (the "Seller") and upon acceptance hereof the Seller will agree to sell to the Purchaser, all of the Bonds (the "Bonds") described above and on Appendix A (attached and incorporated herein by this reference), subject to the terms, conditions, covenants, representations and warranties contained in this Bond Purchase Agreement (the "Agreement"), including the Appendix. Section 1. Purchase, Sale and Delivery of the Bonds 12(11 THIRD AVENUE SUITE 22~,0 SEATTLE. VVA98101 1.1 Appendix A contains a brief description of the Bonds, the purchase price, interest rates, maturity schedule, redemption provisions and the date and time of delivery (the "Closing Date") and payment of the Bonds. The Bonds shall be as described in Appendix A, and in the Official Statement (the "Official Statement") approved and signed by the Seller in accordance with paragraph (2.1 .g) hereof satisfactory in form and substance to the Purchaser; 1.2 the Seller authorizes the Purchaser to use and distribute the Official Statement by the Ordinance authorizing the Bonds (the "Ordinance") and approving the Official Statement, this Agreement and all information contained in them, and the documents, and certificates formally delivered to the Purchaser by the Seller as a legal transcript, in connection with the transactions contemplated by this Agreement; and PAGE NO. 1 1.3 the Bonds shall be delivered to The Depository Trust Company on the Closing Date, duly executed by the authorized officers of the Seller, together with the other documents described in this Agreement. As a condition of this purchase, the Purchaser requires that the Bonds shall be registered in the name of CEDE & Co. Subject to the provisions of this Agreement, the Purchaser shall accept delivery of the Bonds on the Closing Date and will pay the purchase price set forth in Appendix A, together with accrued interest as applicable, by wire transfer, payable in Federal funds. Section 2. 2.1 Representations and Warranties The Seller represents, warrants and agrees with the Purchaser the matters set forth below, which representations, warranties and agreements are true and in effect as of the date of this Agreement and shall be true and in effect as of the Closing Date: (a) the Seller is duly organized with the full legal right, power and authority on the Closing date to enter into and perform this Agreement, to adopt the Ordinance, to deliver and sell the Bonds to the Purchaser, and to carry out all the other transactions contemplated by this Agreement, the Ordinance, and the Official Statement; (b) the Seller has duly and validly approved the issuance of the Bonds in accordance with the Ordinance by the date hereof, will take any and all action as will be necessary to carry out, give effect to and consummate the transactions contemplated herein, and as of the date of this Agreement and as of the Closing Date, the Bonds, and this Agreement will constitute the valid, legal and binding obligations of the Seller in accordance with their respective terms, and the Ordinance will be in full force and effect; (c) this Agreement, the Ordinance, and the Bonds do not and will not conflict with or create a breach or default under any existing law, regulation or order, or any agreement or instrument to which the Seller is subject; which breach or default would impair the authority of the Seller to authorize the Bonds or the security for the payment of the Bonds; (d) all approvals, consents, authorizations, elections and orders of or filings or registrations with any governmental authority, board, agency or commission having jurisdiction which would constitute a condition precedent to, or the absence of which would materially adversely affect, the performance by the Seller of its obligations under this Agreement, the Ordinance, the Bonds, and any other instruments contemplated in this transaction have been obtained or will be obtained and are or will be in full force and effect by the Closing Date; PAGE NO. 2 (e) the Bonds, when delivered in accordance with the Ordinance and paid for by the Purchaser on the Closing Date as provided herein, will be validly issued and outstanding binding obligations of the Seller enforceable in accordance with their terms, subject only to applicable bankruptcy, insolvency or other similar laws generally affecting creditors' rights, by the application of judicial discretion and principles of equity if equitable remedies are sought; (f) the Official Statement (as supplemented with the approval of the Purchaser, if the Official Statement shall have been supplemented), will be, as of the Closing Date, true, correct and complete in all material respects and does not, and will not as of the Closing Date, contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; (g) the Seller has provided the Purchaser with a copy of the Preliminary Official Statement dated October 25, 1996 including an amendment dated October 30, 1996, collectively the Preliminary Official Statement, as of its date and (except as to matters corrected or added to the Final Official Statement) as of the Closing Date, is accurate and complete in all material respects; (h) the Purchaser is hereby authorized to cause a Final Official Statement for the Bonds to be printed and delivered to the Purchaser within seven business days hereafter, and the Purchaser agrees to file three copies with each Nationally Recognized Municipal Securities Information Repository within that seven business day period; (i) for a period of 25 days from the date of the end of the underwriting period, if any event shall occur as a result which it is necessary to supplement the Official Statement in order to make the statements therein, in light of the circumstances existing at such time, not misleading, the Seller shall forthwith notify the Purchaser of any such event of which it has knowledge and shall cooperate fully in the preparation and furnishing of any supplement to the Official Statement necessary, in the Purchaser's opinion, so that the statements therein as so supplemented will not be misleading in light of the circumstances existing at such time (the end of the underwriting period shall be the Closing Date unless the Seller is informed otherwise in writing by the Purchaser); PAGE NO. 3 (j) no action, suit, proceeding, inquiry or investigation, at law or in equity, before or by any court, regulatory agency, public board or body, is pending or, to the knowledge of the Seller, threatened in any way affecting the existence of the Seller or the titles of its officers to their respective offices, or seeking to restrain or to enjoin the issuance, sale or delivery of the Bonds, the application of the proceeds thereof in accordance with the Ordinance, or the collection or application any taxes, charges and fees to pay the principal of and interest on the Bonds, or the pledge thereof or of the proceeds of the Bonds, or in any way contesting or affecting the validity or enforceability of the Bonds; (k) any certificate signed by an authorized officer of the Seller shall be deemed a representation and warranty by the Seller to the Purchaser as to the statements made therein; (1) the Seller 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 Seller is not now and has never been in default on any of its debt obligations; (n) other than the Bond documents, the Seller has not entered into any contract or arrangement that might give rise to any lien or encumbrance on the taxes or other money pledged under the Ordinance; and (o) the Seller will apply the proceeds of the Bonds in accordance with the Ordinance. Section 3. Conditions to the Obligations of the Purchaser The obligations of the Purchaser to accept delivery of and pay for the Bonds on the Closing Date shall be subject to the accuracy in all material respects of the representations and warranties on the part of the Seller contained herein as of this date and as of the Closing Date, to the accuracy in all material respects of the statements of the officers of the Seller made in any certificates or other documents furnished pursuant to the Agreement, to the performance by the Seller of their obligations to be performed thereunder at or prior to the Closing Date, and to the following additional conditions: 3.1 on the Closing Date, the Ordinance shall have been duly authorized, executed and delivered by the Seller, and in substantially the form heretofore submitted to the Purchaser, with only such changes as shall have been agreed to in writing by the Purchaser, and there shall have been taken in connection therewith, with the issuance of the Bonds and with the transactions contemplated thereby and by this Agreement, all such action as, in the opinion of either the Purchaser or the Seller, shall be necessary or appropriate; 3.2 on the Closing Date, the Official Statement shall not have been amended, modified or supplemented, except as may have been agreed to by the Purchaser and the Seller; PAGE NO. 4 3.3 3.4 between the date hereof and the Closing Date, the marketability of the Bonds shall not have been materially adversely affected, in the reasonable judgment of the Purchaser, by reason of any of the following: (a) a material adverse change in the financial condition or general affairs of the Seller; (b) an event, court decision, proposed or adopted law or rule which would have a material adverse effect on the federal income tax incident to the Bonds or the contemplated transactions; (c) an international or national crisis, suspension of stock exchange trading or banking moratorium materially affecting the marketability of the Bonds or the Purchaser's ability to deliver funds due to such banking moratorium; or (d) any event occurring, or information becoming known which makes untrue in any material respect any statement or information contained in the Official Statement, or has the effect that the Official Statement contains any untrue statement of material fact or omits to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; on or prior to the Closing Date, the Purchaser will have received from the Seller the following documents, in each case satisfactory in form and substance to the Purchaser acting reasonably: (a) the Bonds, in definitive or temporary form, duly executed; (b) the Ordinance and the Official Statement, each executed by the Seller; (c) a certificate in which an officer of the Seller states that he/she has reviewed the Final Official Statement and, to his/her knowledge and belief, the Final Official Statement does not contain any untrue statement of a material fact or omit to state any material fact necessary in order to make the statements made therein, in light of the circumstances under which they are made, not misleading and represents that the representations of the Seller in Section 2 hereof were true and correct when made and are true and correct as of the Closing Date; (d) the approving opinion of Bond Counsel substantially in the form of Appendix A of the Official Statement satisfactory to the Purchaser dated the Closing Date; (e) a certificate setting forth the facts, estimates and circumstances in existence on the Closing Date which establish that it is not expected that the proceeds of the Bonds will be used in a manner that could cause the Bonds to be "arbitrage bonds" within the meaning of Section 148 of the Internal Revenue Code and applicable regulations; PAGE NO. 5 (g) (h) a certificate signed by an authorized officer of the Seller, to the effect that, no litigation is pending, or to such officers' knowledge threatened, restraining or enjoining the issuance, sale, execution or delivery of the Bonds, or the collection or application of any taxes, charges and fees to pay the principal of or interest on the Bonds, or adversely affecting the Seller's right or authority to carry out the terms and conditions of the Ordinance and the transaction contemplated by the Ordinance; such additional certificates, instruments or opinions or other evidence as the Purchaser may deem reasonably necessary or desirable to evidence the due authorization, execution, authentication and delivery of the Bonds, the truth and accuracy as of the Closing Date of the Seller's representations and warranties, and the conformity of the Bonds and Ordinance with the terms thereof as summarized in the Official Statement, and to cover such other matters as it reasonably requests; the Purchaser will have received two executed copies of each of the Bond documents; and a tax certificate in form satisfactory to Bond Counsel. Section 4. 4.1 4.2 Expenses Seller's Expenses Whether or not the Purchaser accepts delivery of and pays for the Bonds as set forth herein, the Purchaser shall be under no obligation to pay, and the Seller shall pay or cause to be paid (out of the proceeds of the Bonds or any other legally available funds of the Seller) all expenses incident to the performance of Seller's obligations hereunder, including but not limited to the cost of printing, engraving and delivering the Bonds to the Purchaser; the cost of preparation, printing (and/or word processing and reproduction), distribution and delivery of the Ordinance, rating fees of Moody's Investors Service, fees and disbursements of Bond Counsel, and any other experts or consultants retained by the Seller in connection with the Bonds; and any other expenses not specifically enumerated in paragraph 4.2 of this Section incurred by the Seller in connection with the issuance of the Bonds. Purchaser's Expenses Whether or not the Bonds are delivered to the Purchaser as set forth herein, the Seller shall be under no obligation to pay, and the Purchaser shall pay the costs of any "blue sky" and legal investment memoranda; this Agreement; the Purchaser's out-of-pocket and travel expenses; and all other expenses incurred by the Purchaser in connection with its public offering and distribution of the Bonds not specifically enumerated in paragraph 4.1 of this Section, including the fees and disbursements of its counsel, if any; the cost of preparation, and all advertising expenses in connection with the public offering of the Bonds. PAGE NO. 6 Section 5. Parties in Interest This Agreement is made solely for the benefit of the Seller and the Purchaser (including successors or assigns of the Purchaser) and no other person shall acquire or have any right hereunder or by virtue hereof. The terms "succession" and "assigns" shall not include any purchaser of any of the Bonds from the Purchaser merely because of such purchase. Section 6. Survival of Representations, Warranties, and Agreements; Liquidated Damages The representations and warranties of the Seller, set forth in or made pursuant to this Agreement, shall not be deemed to have been discharged, satisfied or otherwise rendered void by reason of the delivery of the Bonds or termination of this Agreement and regardless of any investigations or statements as to the results thereof made by or on behalf of the Purchaser and regardless of delivery of and payment for the Bonds. Should the Seller fail to satisfy any of the foregoing conditions or covenants, or if the Purchaser's obligations are terminated for any reason permitted under the Agreement, then neither the Purchaser nor the Seller shall have any further obligations under this Agreement, except that any expenses incurred shall be borne in accordance with Section 4. Section 7. Notices All notices, demands and formal actions hereunder shall be in writing and mailed, telegramed, delivered or sent via facsimile (with the original sent following the facsimile) to the following addresses or such other addresses as any of the parties shall specify. Any written notice required by this Agreement shall be sent to the Seller as follows: City of Bainbridge Island 625 Winslow Way E. Bainb ridge Island, WA 98110 Attention: Ralph Eells Finance Director Fax: 206-842-5741 to the Purchaser as follows: Pacific Crest Securities US Bancorp Tower 111 SW Fifth Avenue, 42nd Floor Portland, Oregon 97204 Attention: Municipal Bond Department Fax: 503-790-7790 with a copy to: Foster Pepper & Shefelman 1111 3rd Ave. Seattle, WA 98101 Attention: George Mack, Esq. Fax: 206-447-9700 PAGE NO. 7 Section 8. Effective Date This offer expires as set forth in Appendix A. This Agreement shall become effective and binding upon the respective parties hereto upon the execution of the acceptance hereof by the Seller and shall be valid and enforceable as of the time of such acceptance. Section 9. Miscellaneous 9.1 If any provision of this Agreement is held or deemed to be or is, in fact, inoperative, invalid or unenforceable as applied in any particular case in any jurisdiction or jurisdictions, such shall not have the effect of rendering the provision in question inoperable or unenforceable in any other case or circumstances or of rendering any other provision or provisions of this Agreement invalid, inoperative or unenforceable to any extent whatsoever; 9.2 this Agreement shall be governed by and construed in accordance with the laws of the State of Washington; and 9.3 this Agreement may be executed in several counterparts, each of which will be regarded as an original and all of which will constitute one and the same document. Very truly yours, Pacific Crest Steve Gaidos Vice President Accepted by: City of Bainbridge Island The 7th day of November, 1996 Janet West Mayor PAGE NO. 8 APPENDIX A $2,000,000 CITY OF BAINBRIDGE ISLAND, WASHINGTON LIMITED TAX GENERAL OBLIGATION BONDS, 1996 Terliis Dated Date: November 1, 1996 Delivery Date: November 20, 1996 Interest Payment Date: June 1, 1997 and semi-annually thereafter on each December 1 and June 1. Denomination: $5,000 or any integral mukiple thereof Maturities, Principal Amounts, Interest Rates and Yields: Serial Bonds: $1,290,000 Principal December 1 Amount 1997 $50,000 1998 65,000 1999 65,000 2000 70,000 2001 75,000 2002 75,000 2003 80,000 2004 85,000 Principal Coupon Yield December 1 Amount Coupon Yield 5.125% 3.80% 2005 $ 90,000 4.875% 4.95% 5.125 4.10 2006 95,000 5.000 5.05 5.125 4.30 2007 95,000 5.125 5.15 5.125 4.45 2008 100,000 5.250 5.25 5.125 4.55 2009 110,000 5.250 5.35 4.875 4.65 2010 115,000 5.375 5.45 4.875 4.75 2011 120,000 5.500 5.50 4.875 4.85 Term Bond: $710,000 5.60% maturing December 1, 2016 at 5.65% Optional Redemption: The Bonds maturing on and after December 1, 2007, are callable at the City's option on or after December 1, 2006, as a whole or in part at any time within one or more maturities selected by the City ( and by lot within a maturity in such manner as the Registrar determines), at par plus accrued interest to the date fixed for redemption. PAGE NO. 9 Mandatory Redemption: Purchase of the Bonds: Offer Expires: Unless previously redeemed pursuant to the Optional Redemption provisions, the Bonds maturing in 2016 are subject to Mandatory Redemption on December 1 of the following years in the following principal amounts at a price of par: Principal Year Amount 2012 $125,000 2013 135,000 2014 140,000 2015 150,000 2016 160,000 (Final Maturity) Principal Amount of Bonds: Plus Original Issue Premium: Less Underwriter's Discount: Purchase Price Plus Accrued Interest Total Dollars to be Wired by Pacific Crest at Closing (Federal Funds) $2,000,000.00 1,527.30 (24,000.00) 1,977,527.30 5,590.68 $1,983,117.98 November 7, 1996 @ 11:00 p.m., Prevailing Local Time. PAGE NO. 10