HomeMy WebLinkAbout02-227 RESOLUTION NO. 02-227
(SUPPLEMENTAL RESOLUTION, ROUSE ROAD MSBU)
A RESOLUTION SUPPLEMENTING RESOLUTION 94-196 OF ST. LUCIE
COUNTY, ADOPTED SEPTEMBER 20, 1994, AS AMENDED, ACCEPTING
THE PROPOSAL OF BANK OF AMERICA TO PROVIDE PERMANENT
FINANCING FOR THE COST OF IMPROVEMENTS WITHIN THE ROUSE
ROAD MUNICIPAL SERVICES BENEFIT UNIT; PROVIDING FOR THE
ISSUANCE OF NOT EXCEEDING $140,000 SPECIAL ASSESSMENT
IMPROVEMENT BONDS, SERIES 2002A (ROUSE ROAD MSBU) OF THE
COUNTY; PROVIDING SECURITY FOR THE PAYMENT OF THE ROUSE
ROAD BONDS FROM CERTAIN ROUSE ROAD PLEDGED REVENUES',
MAKING CERTAIN COVENANTS AND AGREEMENTS IN CONNECTION
THEREWITH; AND PROVIDING AN EFFECTIVE DATE.
BE IT RESOLVED BY THE BOARD OF COUNTY COMMISSIONERS OF ST. LUClE
COUNTY, FLORIDA, AS FOLLOWS:
ARTICLE I
AUTHORITY, DEFINITIONS AND FINDINGS
Section 1. Authority for this Resolution. This resolution is adopted pursuant to the
provisions of the Act and the Master Resolution, and is supplemental to the Master Resolution.
Section 2. Definitions. Unless the context otherwise requires, the capitalized terms used in
this resolution shall have the meanings assigned in this Section. Capitalized terms used in this
resolution and not otherwise defined in this Section shall have the meanings specified in the Master
Resolution. Words importing singular number shall include the plural number in each case and vice
versa, and words importing persons shall include firms and corporations.
"Bank" means Bank of America, N.A., a national banking association, and its successors
and assigns. The Bank shall be the Registered Owner of the Rouse Road Bond for purposes of the
Bond Resolution
"Bond Counsel" means Squire, Sanders & Dempsey L.L.P.
"Bond Resolution" means, collectively, the Master Resolution and this resolution.
"Commitment" means the letter of the Bank to the County's Management and Budget
Director, dated July 27, 2001, a copy of which is attached hereto as part of composite Exhibit B.
"Closing Date" means the date of issuance and delivery of the Rouse Road Bond by the
County to the Bank and the payment by the Bank to the County of the principal amount of the
Rouse Road Bond.
"Financial Advisor" means William R. Hough & Co.
"Fiscal Year" means the period beginning each October 1 and ending the subsequent
September 30.
"Interlocal Agreement" means the Interlocal Agreement between the County and St. Lucie
Village, Florida (the "Village"), dated October 27, 1998, as amended by the First Amendment to
October 27, 1998 Interlocal Agreement - Rouse Road, dated March 13, 2001, requiring the Village
to pay to the County the portion of the cost of the Rouse Road Project, attributable to property
benefited by the Rouse Road Project located within the Village.
"Master Resolution" means Resolution No. 94-196 of the Board of County Commissioners
(the "Board"), adopted on September 20, 1994, as amended by Resolution No. 95-183, adopted by
the Board on September 5, 1995, and as fimher amended from time to time.
"Proposal" means the letter of the Bank to the County's Management and Budget Director
dated September 3, 2002, a copy of which is attached hereto as part of composite Exhibit B.
"Rouse Road Bond" means the County's Special Assessment Improvement Bond, Series
2002A (Rouse Road MSBU), to be issued pursuant to this resolution. The Rouse Road Bond
constitutes a "Series" as defined in the Master Resolution.
"Rouse Road Interim Financing" means that portion of the County's obligation to the Bank
under the provisions of the County's Special Assessment Improvement Note, Series 2001, dated
September 24, 2001, attributable to interim borrowing for the Rouse Road Project.
"Rouse Road Investment Eamings" means the earnings from the investment of moneys on
deposit in the Rouse Road Subaccounts. The Rouse Road Investment Earnings constitute "Series
Investment Eamings" as defined in the Master Resolution.
"Rouse Road MSBU" means the MSBU established pursuant to Resolution No. 98-081,
adopted by the Board on April 7, 1998.
"Rouse Road MSBU" Assessment Resolutions means, collectively, Resolution Nos. 00-284
and 02-191.
"Rouse Road Pledged Revenues" means (a) the Rouse Road Special Assessments, (b) the
Village Payments, (c) the moneys on deposit in the Rouse Road Subaccounts, and (d) the Rouse
Road Investment Earnings.
"Rouse Road Project" means the construction of paving and drainage improvements within
the Rouse Road MSBU and all costs incidental thereto as permitted by the Assessment Act.
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"Rouse Road Project Costs" means the cost of the acquisition and construction of the Rouse
Road Project and the construction and acquisition of additions, extensions, and improvements
thereto including, but not limited to: the acquisition of any lands or interests therein or any other
properties deemed necessary or convenient therefor; engineering, accounting, and legal fees and
expenses; expenses for plans, specifications and surveys and appraisals; expenses for estimates of
costs and of revenues; the fees of fiscal agents, financial advisors and consultants; administrative
expenses; interest on the Rouse Road Bond for a reasonable period of time after the date of their
delivery; reasonable reserves for the payment of Debt Service with respect to the Rouse Road Bond;
discount upon the sale of the Rouse Road Bond; the cost of purchasing any Credit Facility with
respect to the Rouse Road Bond; such other expenses as may be necessary or incidental to the
financing authorized by this Resolution, to the Rouse Road Project, and to the placing of the Rouse
Road Project in operation; and reimbursement to the County for any sums expended for the
foregoing purposes in anticipation of the issuance of the Rouse Road Bond.
"Rouse Road Special Assessments" means the special assessments levied with the Rouse
Road MSBU pursuant to the Rouse Road MSBU Assessment Resolutions. The Rouse Road
Special Assessments constitute "Series Special Assessments" as defined in the Master Resolution.
"Rouse Road Subaccounts" means the subaccounts created pursuant to Section 5(B)(2) of
this resolution. The Rouse Road Subaccounts constitute "Series Subaccounts" as defined in the
Master Resolution.
"Village Payments" mean the payments received by the County pursuant to the Interlocal
Agreement.
Section 3. Findings. It is hereby found, determined and declared by the Board as follows:
A. The County has previously incurred the obligation of the Rouse Road Interim
Financing, and it is necessary and desirable that provision be made for payment of the Rouse Road
Interim Financing through the issuance of the Rouse Road Bond.
B. The County has previously obtained the Commitment from the Bank to provide
permanent fmancing for projects such as the Rouse Road Project, and the Bank has submitted the
Proposal with respect to the Rouse Road Bond. The Financial Advisor has recommended that the
Proposal is in the best interests of the County.
C. The Village has entered into the Intedocal Agreement and, pursuant thereto, has
agreed to make the Village Payments to the County, which the County will apply to pay the
principal and interest on the Rouse Road Bond.
D. A negotiated sale of the Rouse Road Bond is in the best interest of the County and is
found to be necessary for the following reasons, as to which the following specific finding is hereby
made: the complex nature of the underlying security for the Rouse Road Bond, the small principal
amount of the Rouse Road Bond, the fact that the Rouse Road Bond is not expected to be rated or
insured, and the fact that the County is authorized to designate the Rouse Road Bond as a qualified
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tax-exempt obligation under Section 265(b)(3)(B) of the Code makes it desirable that a process of
negotiation for the sale of the Rouse Road Bond be conducted, and this can more successfully be
accomplished with the help of the Financial Advisor through a negotiated placement with a banking
institution.
E. It is necessary and desirable in connection with the issuance of the Rouse Road
Bond (1) to authorize the execution and delivery to the Bank, upon payment therefor, of the
Rouse Road Bond in definitive form; (2) to authorize the execution and delivery of a tax
compliance certificate and such other closing agreements, documents, and certificates as are
usual and customary in connection with the delivery of bonds, all with the advice of the County
Attorney and Bond Counsel; and (3) to authorize the taking of such further action by the
Chairman, County Administrator, Clerk, and others employed by or acting on behalf of the
County as is necessary to effect the issuance and delivery of the Rouse Road Bond and the
application of the proceeds thereof to the payment of the Rouse Road Project Costs, including
payment of the Rouse Road Interim Financing.
F. It is necessary and desirable to designate the Bond Registrar and Paying Agent for
the Rouse Road Bond.
G. The County does not expect to issue more than $10,000,000 in obligations under the
provisions of Section 103(a) of the Code during the calendar year ending December 31, 2002, and,
is entitled to designate the Rouse Road Bond as a qualified tax-exempt obligation under the
provisions of Section 265(b)(3)(B) of the Code.
Section 4. Authorization of Rouse Road Bond; Date, Denomination, Amortization
Schedule, Interest Rate, and Prepayment Provisions for Bond; Designation of Bond. For the
purpose of paying the Rouse Road Project Costs, including the Rouse Road Interim Financing, there
is hereby authorized to be issued a special, limited obligation of the County to be designated
"Special Assessment Improvement Bond, Series 2002A(Rouse Road MSBU), previously defined as
the Rouse Road Bond. The Rouse Road Bond shall be dated the Closing Date, shall be issued in the
form of a single, typewritten bond in the principal amount of One Hundred Forty Thousand Dollars
($140,000), shall bear interest at the rate, payable on the dates, shall be payable as to principal in
installments, which may be prepaid prior to maturity, shall be payable in the manner, and shall have
the other characteristics, all as shown on Exhibit A hereto. The Rouse Road Bond shall be
considered to be issued under the authority of, and shall be subject to the terms and provisions of,
the Master Resolution. The Rouse Road Bond is hereby designated a "qualified tax-exempt
obligation" pursuant to Section 265(b)(3)(B) of the Code
Section 5. Application of Provisions of Master Resolution; Security for Payment of
Rouse Road Bond; Creation of Funds and Accounts; Application of Rouse Road MSBU
Special Assessments.
A. Application of Provisions of the Master Resolution. The Rouse Road Bond shall
for all purposes be considered to be a Bond issued under the authority of the Master Resolution and
shall be entitled to all the protection and security provided therein for Bonds. The covenants and
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pledges contained in the Master Resolution shall be applicable to the Rouse Road Bond herein
authorized.
B. Security for Rouse Road Bond.
(1) Pledge And Lien. The Rouse Road Bond shall be secured by a pledge of and
lien upon the Rouse Road Pledged Revenues. The Rouse Road Bond shall not be or constitute a
general obligation or an indebtedness of the County as a "bond" within the meaning of the
Constitution of Florida, but shall be payable from and secured solely by a lien upon and pledge of
the Rouse Road Pledged Revenues as provided herein and in the Master Resolution. No Owner of
the Rouse Road Bond shall ever have the right to compel the exercise of the ad valorem taxing
power of the County or taxation in any form of property therein to pay the Debt Service on the
Rouse Road Bond. The Rouse Road Bond shall not constitute a lien upon the Rouse Road MSBU
Project or upon any property of or in the County except the Rouse Road Pledged Revenues in the
manner provided herein and in the Master Resolution.
(2) Series Subaccounts. There are hereby created and established in the Funds
and Accounts created and established pursuant to Section 3.03(A) of the Master Resolution the
following Series Subaccounts, hereinbefore defined as the "Rouse Road Series Subaccounts": (1) in
the Sinking Fund, (a) the "Rouse Road Bonds Debt Service SubaccoLmt," (b)the "Rouse Road
Bonds Reserve Subaccount," and (c) the "Rouse Road Bonds Redemption Account."
(3) Use of Rouse Road Pledged Revenues. All Rouse Road MSBU Special
Assessments, Village Payments and Rouse Road Investment Eamings shall be applied and
deposited in the manner provided in Section 3.04(A) and (B) of the Master Resolution only into the
Rouse Road Series Subaccounts. Moneys and Authorized Investments on deposit at any time in the
Rouse Road Series Subaccounts may be used and applied only in the manner provided in Section
3.04(C) of the Master Resolution for the payment of Debt Service on, or the Redemption Price of,
the Rouse Road Bond. Moneys on deposit in the Rouse Road Series Subaccounts may be invested
and reinvested only in Authorized Investments in the manner provided in Section 3.05 of the Master
Resolution.
C. Collection of Special Assessments. The County will collect the Rouse Road
MSBU Special Assessments in the manner provided in Section 197.3632, Florida Statutes, and
other applicable provisions of law. The County will take or cause to be taken all actions necessary
to diligently enforce the payment of all of the Rouse Road MSBU Special Assessments and all of
the installments thereof, interest thereon and penalties therefrom, in the manner prescribed by the
Master Resolution, this Resolution, and the laws of the State pertaining thereto.
D. Remedies. Any Registered Owner of, or any Credit Facility Issuer for, Rouse Road
Bonds shall have available the remedies specified in Section 5.03 of the Master Resolution.
Section 6. Application of Rouse Road Bond Proceeds. All moneys received from the
Bank in exchange for the delivery of the Rouse Road Bond shall be applied by the County, together
with other available moneys, as follows:
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A. The County shall pay in full all amounts of principal and interest outstanding on the
Rouse Road Interim Financing.
B. The County shall next pay the costs of issuance of the Rouse Road Bond.
Section 7. Authorization for Execution of Bond and of Additional Documents and
Certificates in Connection with the Delivery Thereof. The Chairman, Clerk, the County
Administrator, and the Management and Budget Director, with the advice of the County Attorney
and Bond Counsel, are hereby authorized and empowered, collectively and individually, to take all
action and steps and to execute and deliver, on behalf of the County, and in their official capacities,
the Rouse Road Bond, and any and all instruments, documents, or certificates, including a tax
compliance certificate, which are necessary or desirable in connection with the issuance and
delivery of the Rouse Road Bond.
The Management and Budget Director is hereby authorized, with the advice of the Financial
Advisor, to approve the final interest rate on the Rouse Road Bond at or prior to the Delivery Date;
provided that the interest rate does not exceed five and seventy-five hundredths pement (5.75%) per
Section 8. Additional Covenants. In addition to those covenants contained in the Master
Resolution for the benefit of the Registered Owner of the Rouse Road Bond, the County makes the
following additional covenants for the benefit of the Bank for so long as any principal of or interest
on the Rouse Road Bond or any other amounts payable by the County to the Bank in connection
therewith are outstanding and nnpaid.
A. The County will not issue or incur any debt or obligation secured by or payable fi:om
the Rouse Road Pledged Revenues other than the Rouse Road Bond.
B. The County will provide the Bank with a copy of its General Purpose Financial
Statements within one hundred eighty (180) days of the close of its Fiscal Year.
Section 9 Bond Registrar and Paying Agent and Agreement Therefor. The Clerk is
hereby designated Bond Registrar and Paying Agent for the Rouse Road Bond and shall perform
such duties as are more fully described in the Bond Resolution and the Rouse Road Bond.
Section 10. Severability. If any one or more of the covenants, agreements, or provisions of
this resolution should be held contrary to any express provision of law or contrary to the policy of
express law, though not expressly prohibited, or against public policy, or shall for any reason
whatsoever be held invalid, then such covenants, agreements, or provisions shall be null and void
and shall be deemed separate from the remaining covenants, agreements or provisions, and in no
way affect the validity of all other provisions of the Bond Resolution or of the Rouse Road Bond
delivered hereunder.
Section 11. Repealing Clause. All resolutions of the County, or parts thereof, in conflict
with the provisions of this resolution are, to the extent of such conflict, hereby superseded and
repealed.
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Section 12. Effective Date. This resolution shall take effect immediately upon its
adoption.
Passed and Approved by the Board of the County Commissioners of St. Lucie County,
Florida this 24th day of Septeanber 2002.
ST. LUC[E COUNTY, FLORIDA
(SEAL)
ATTEST:
,erk
the Board of County Commissioners
Chairman, Board of County
Commissioners
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No. R-1
EXHIBIT A
FORM OF BOND
ST. LUCIE COUNTY, FLORIDA
SPECIAL ASSESSMENT IMPROVEMENT BOND, SERIES 2002A
(ROUSE ROAD MSBU)
$140,000
RATE OF INTEREST
MATURITY DATE
September 24, 2016
DATE OF ISSUE
September 24, 2002
REGISTERED OWNER: Bank of America, N.A.
PRINCIPAL AMOUNT: One Hundred Forty Thousand Dollars
KNOW ALL MEN BY THESE PRESENTS, that St. Lucie County, Florida (the "County"),
for value received, hereby promises to pay to the Registered Owner designated above, or registered
assigns, solely from the special funds hereinafter mentioned, on November 1, 2003, and on each
November 1 thereafter, to and including November 1, 2015, and on the Maturity Date specified
above, the installments of the above Principal Amount, as shown on Schedule 2 attached hereto and
forming a part hereof(the "Schedule"), and to pay solely from such funds interest thereon from the
date of this bond or from the most recent date to which interest has been paid, whichever is
applicable, until payment of such Principal Amount, interest at the Rate of Interest shown above,
subject to adjustment as set forth in Schedule 1 attached hereto, such interest being payable semi-
annually on each May 1 and November 1 (an "Interest Payment Date") commencing May 1, 2003,
with all unpaid interest being due on the Maturity Date, by wire transfer in accordance with written
instructions delivered by the Registered Owner to the County or by such other medium acceptable
to the County and to such Registered Owner. The principal of, premium, if any, and interest on this
bond are payable in lawful money of the United States of America. Interest due hereon shall be
calculated on the basis of a 360-day year consisting of twelve 30-day months.
This bond is issued to finance the costs of the acquisition and construction of the Rouse
Road Project (including repayment of the Rouser Road Interim Financing), under the authority of
and in full compliance with the Constitution and Statutes of the State of Florida, including
particularly Chapter 125, Part I, Florida Statutes, Ordinance No. 8%77 of the County, as amended,
and other applicable provisions of law, and Resolution No. 94-196, adopted by the Board of County
Commissioners (the "Board") on September 20, 1994, as amended and supplemented, particularly
as supplemented by Resolution No. 02-227, duly adopted on September 24, 2002 (collectively, the
"Bond Resolution"), to which reference should be made to ascertain those terms and conditions.
This bond is payable from and secured solely by a lien upon and pledge of the Rouse Road
Pledged Revenues in the manner provided in, and subject to the terms and conditions of, the Bond
Resolution.
The principal of and interest on this bond do not constitute a general obligation or
indebtedness of the County, and the Registered Owner shall never have the right to require or
compel the levy of taxes on any property of or in the County for the payment of the principal of and
interest on this bond. The principal of and interest on this bond are not secured by a lien upon the
Rouse Road Project, or upon any property of or in the County, but are secured solely by the Rouse
Road Pledged Revenues in the manner provided herein and in the Bond Resolution. Reference is
made to the Bond Resolution for the provisions relating to the security for payment of this bond and
the duties and obligations of the County hereunder.
The Registered Owner may sue to protect and enforce any and all rights, including the right
to specific performance, existing under the laws of the State of Florida, of the United States of
America, or granted and contained in the Bond Resolution, and to enforce and compel the
performance of all duties required by the Bond Resolution or by any applicable laws to be
performed by the County, the Board or by any officer thereof, and may take all steps to enforce the
Bond Resolution to the full extent permitted or authorized by the laws of the State of Florida or the
United States of America.
Any controversy or claim hereunder, including, but not limited to, those arising out of or
relating to the Bond Resolution and this bond or any instruments executed in connection therewith,
including any claim based on or arising from an alleged tort, shall be determined by binding
arbitration in accordance with the State of Florida arbitration code, the rule of practice and
procedure for the arbitration of commercial disputes and the "Special Rules" set forth below. In the
event of any inconsistency, the Special Rules shall control. Judgment upon any arbitration award
may be entered in any court having jurisdiction. The Registered Owner of this bond may bring an
action, including a summary or expedited proceeding, to compel arbitration of any controversy or
claim relating to this bond in any court having jurisdiction over such action.
A. Special Rules. The arbitration shall be conducted in St. Lucie County, Florida, and
administered by the American Arbitration Association. All arbitration hearings will be commended
within ninety (90) days of the demand for arbitration; further, the arbitrator shall only, upon a
showing of cause, be permitted to extend the commencement of such heating for an additional sixty
(60) days.
B. Reservation of Rights. Nothing herein shall be deemed to (i) limit the applicability
of any otherwise applicable statues of limitation or repose and any waivers contained herein or in
the Bond Resolution; or (ii) be a waiver by the Registered Owner of any protection afforded to it by
12 U.S.C. §91 or any substantially equivalent state law; or (iii) limit the right of the Registered
Owner to obtain from a court provisional or ancillary remedies such as (but not limited to)
injunctive relief, writ of possession or the appointment of a receiver. The Registered Owner may
obtain such provisional or ancillary remedies before, during or after the pendency of any arbitration
proceeding brought pursuant hereto. The exercise of ancillary remedies shall not constitute a waiver
of the right of the Registered Owner to arbitrate the merits of the controversy or claim occasioning
resort to such remedies.
This bond may be transferred or assigned by the Registered Owner without the prior written
consent of the County provided that (1) the County is given notice of such transfer not later than ten
(10) days prior to the next Interest Payment Date on the Bond and (2) the transferee provides to the
County an investment letter in form and substance materially the same as the letter provided by the
Registered Owner to the County upon the original issuance hereof.
Upon the occurrence of an Event of Default under the Bond Resolution, the County shall
also be obligated to pay, but only from the Rouse Road Pledged Revenues, all costs of collection
and enforcement hereof, including attorneys' fees (including fees incurred on appeal).
It is hereby certified and recited that all acts, conditions and things required by the
Constitution and laws of the State of Florida to be performed, to exist and to happen precedent to
and in the issuance of this bond, have been performed, exist and have happened in regular and due
form and time as so required.
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1N WITNESS WHEREOF, St. Lucie County, Florida, has caused this bond to be executed
by the Chairman or Vice-Chairman of its Board of County Commissioners, and attested by the
Clerk or Deputy Clerk of the Circuit Court, ex officio Clerk of the Board of County Commissioners,
either manually or with their facsimile signatures, and its seal or a facsimile thereof to be affixed,
impressed, imprinted, lithographed or reproduced hereon, all as of the Date of Issue above.
(SEAL)
Clerk of the Board of County Commissioners
ST. LUCIE COUNTY, FLORIDA
Chairman oft~ee Bc~d of County
Commissioners
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SCHEDULE 1
ADJUSTMENTS TO INTEREST RATE IN CERTAIN EVENTS
The rate of interest on this bond shall be adjusted, as set forth below:
The interest rate on this bond is based on (a) the status of this bond as a tax exempt
obligation under Section 103 of the Intemal Revenue Code of 1986, as amended ("Code"); (b)
the status of this bond as a "qualified tax-exempt obligation" under Section 265(b)(3)(B) of the
Code; (c) the laws in effect on the Date of Issue of this bond; and (d) the maximum corporate
income tax rate in effect and applicable to the Registered Owner on the Date of Issue of this
bond.
If this bond should be determined (a) not to be a tax-exempt obligation for purposes of
Section 103 of the Code, or (b) not to be a "qualified tax-exempt obligation" for the purposes of
Section 265(b)(3)(B) of the Code, the interest rate on this bond will be adjusted retroactive to
the date that such determination became effective in order to preserve to the Registered Owner
the after-tax yield that the Registered Owner enjoyed on the Date of Issue of this bond. The
County shall also pay any additions to tax, penalties, any interest on this bond, and any arrears
in interest resulting from such a determination.
If the (A) laws in effect or (B) the maximum corporate income tax rate in effect on the
Date of Issue of this bond should change, the Registered Owner may adjust the interest rate on
this bond retroactive to the date of such change to the extent necessary to preserve to the
Registered Owner the after-tax yield that the Registered Owner enjoyed on the Date of Issue of
this bond.
Any additional interest, and any additions to tax, penalties and interest payable pursuant
to the preceding paragraphs shall be payable on the earlier of the first day of the first month or
the first Interest Payment Date following the date the Registered Owner notifies the County of
the amount due, and thereafter, such increased interest rate shall be payable on the same dates
interest would have otherwise been payable. The adjustments provided for in this schedule and
the obligation of the County to pay any additional amounts hereunder shall survive the payment
of this bond until the expiration of the statute of limitations applicable to the ability of the
Internal Revenue Service to determine that this bond was not a tax-exempt obligation or was not
a "qualified tax-exempt obligation".
SCHEDULE 2
ST. LUCIE COUNTY
SPECIAL ASSESSMENT IMPROVEMENT BOND, SERIES 2002A
(ROUSE ROAD MSBU)
AMORTIZATION SCHEDULE
Principal Payment Principal Payment
Date Amount Date Amount
11/1/03 $10,000.00 11/1/10 10,000.00
11/1/04 10,000.00 11/1/11 10,000.00
11/1/05 10,000.00 11/1/12 10,000.00
11/1/06 10,000.00 11/1/13 10,000.00
11/1/07 10,000.00 11/1/14 10,000.00
11/1/08 10,000.00 11/1/15 10,000.00
I 1/1/09 10,000.00 9/24/16 10,000.00
EXHIBIT B
BANK'S PROPOSAL LETTER