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85-7124R69 RESOLUTION N0. 7124 A RESOLUTION AWARDING THE SALE OF $6,265,000 GENERAL -- - OBLIGATION REFUNDING BONDS OF 1985 PROVIDING FOR THE FORM AND SPECIFICATIONS THEREOF; PROVIDING FOR THEIR PAYMENT; PROVIDING FOR THE ESCROWING AND INVESTMENT OF THE PROCEEDS THEREOF; AND PROVIDING FOR THE REDEMPTION OF BONDS REFUNDED THEREBY BE IT RESOLVED By the City Council of the City of Richfield, Minnesota (City), as follows: Section 1. Sale of Refunding Bonds. 1.01. The bid of ~~ r•11,~,ynch Cap,.tal Markets (Purchaser) to purchase .$6,265,000 General Obligation Refunding Bonds of 1985 (Refunding Bonds), bearing interest as follows: Year of Maturity. 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 19.97 1998 1999 2000 2001 2002 Interest Rate (~ per annum) See attached. is hereby accepted, said bid being to purchase the Refunding Bonds at a price of $ 6 171.025.• The Mayor and the City Manager are directed to execute a contract with the Purchaser on behalf of the City. The City Clerk is instructed to return the good faith checks of all unsuccessful bidders forthwith. Of the purchase price, the sun of $ _0_ representing additional interest shall be deposited in the Debt Service Fund hereinafter created. 1.02. The City shall forthwith issue the Refunding Bonds pursuant to Minnesota Statutes, Chapter 475 (Act), which Refunding Bonds shall be initially numbered I upwards, is the denomi. thereof, initial3y dated December payable August 1, 1986, and semis in each year, and which shall ma amounts as follows: ation of $5,000 each or any integral multiple 1, 1985., bearing interest as above provided, :nually thereafter on February 1 and August 1 ure serially on February I in the years and Year Amount ', ~ Year Amount 1987 $ 20,000 1995 345,000 1988 95,000 ' 1996 3b5,000 1989 200,000 ' 1997 390.000 199.0 225,000 1998 535,000 1991 250,000 1999 5so,ooo 1992 275,000 ', 2000 770,000 1993 295,000 !, 2001 ~ 785,OOfl 1994 320,000 ' 2002 815.,000 The City may elect on February 1, 1995, and on any ,interest payment date thereafter, to prepay Bonds due oa',or after February 1, 1996. .Redemption may be is whole or in part of the Bonds,subject to.prepayment. If redemption is in part, those Bonds remaining ungaid~ which have the latest maturity date will be prepaid first. If only part of the Bonds having a common maturity .date are called for prepayment the specific Bonds to be prepaid will be chosen by Sot by the Registrar. All prepayments shall be at a price of par and accrued interest. 1.03. The Refunding Bonds shall be issuable only fin fully registered form. The interest thereon sad, upon surrender of each Bond, the principal amount thereof shall be payable by check' or draft issued by .the Registrar described herein. 1.04. Dates; Interest PagmenC Dates. Each Refunding Bond shall be dated as of the Last interest payment date preceding the date of authentication to which interest on the Bond has been paid or made available for payment, unless (i) the date of authentication is as interest payment date to which interest has been paid or made available for payment, is which case such Bond shall be dated as of the date of authentication, os (ii) the date of authentication is prior to the first interest payment date,•• is which case such Bond shall be dated as of the date of org nal issue. The interest on the Bonds shall be payable to the owner of record thereof as of the close of business on the fifteenth day of the immediately preceding month, whether or not such day is a business day. 1.05. R_egistxatign. Pursuant~to the Act the City shall appoint, and shall maintain, a bond registrar, transfer agent, authenticating agent and .paying agent (Registrar). The effect of registration and the rights and duties. of the City and. the Registrar with respect',',thereto shall be as follows: (a) Regis er. The Registrar shall keep at its principal corporate trust office a bond register in which the. Registrar shall provide for the registration of ownership of '', Refunding Bonds sad the registration of transfers and exchanges of Refunding Bonds entitled to be registered, transferred or exchanged. (b) Transfer of Bonds. Upon surrender for transfer of any Refunding Bond duly endorsed by the registered owner thereof or accompanied by a written instrument of transfer, in form satisfactory to the Registrar, duly executed by the registered owner thereof or by an attorney duly authorized by the registered owner is writing, the Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Refunding Bonds of a like aggregate principal amount and maturity, as requested by the transferor. The Registrar may, however, close the books for registration of any transfer after the fifteenth day of the month preceding each interest payment date and until such interest payment date. (c) Exchange of Bonds. Whenever any Refunding Bonds are surrendered by the registered owner for exchange the .Registrar shall authenticate and deliver one or more new Refunding Bonds of a Like aggregate principal amount and maturity, as requested by the registered owner or the owner's attorney in writing. (d) Cancellation,. All Refunding Bonds surrendered upon any transfer or exchange shall be promptly cancelled by the Registrar and thereafter disposed of as directed by the City. (e) Improper or Unauthorized Transfer. When any Refunding Bond is presented to the Registrar for transfer, the Registrar may refuse. to transfer the same until it is satisfied that the endorsement on such Refunding Bond or separate instrument of transfer is valid and genuine and that the requested transfer is legally authorized. The Registrar shall incur no liability for the refusal, in good faith, to make transfers which it, in its judgment, deems improper or unauthorized. (f) Persons Deemed Ownera. The City and the 'Registrar may treat the person in whose name any Refunding Bond ,is at any time registered in the bond register as the absolute owner of such Refunding Bond, whether such Bond. shall be overdue or not, for the purpose of receiving payment of, or on account of, the principal of.aad interest on such Refunding Bond and for all .other purposes, and all such payments so made to any such registered owner. or upon the owner's order shall be valid and effectual to satisfy and discharge the liability upon such Bond to the extent of the sum or sums so paid. (g) Taxes, Fees and Charges. For every transfer or exchange of Refunding Bonds, the Registrar may impose a charge upon the owner thereof sufficient to reimburse the Registrar for any tax, fee or other governmental charge required to be paid with respect to such transfer or exchange. (h) Mutilated, Lost, Stolen or Destroyed Bonds. In case any Refunding Bond shall become mutilated or be destroyed, stolen or lost, the Registrar shall deliver a new Refunding Bond of like amount, number, maturity date and tenor in exchange and substitution for and upon cancellation of any such mutilated Refunding Bond or in lieu of and in substitution for any such Refunding Bond destroyed, stolen or lost, upon the payment of the reasonable expenses and charges of the Registrar in connection therewith; and, in the case of a Refunding Bond destroyed, stolen or lost, upon filing with the Registrar of evidence satisfactory to it that such Bond was destroyed, stolen or lost, and of the ownership thereof,. and upon furnishing to .the Registrar of an appropriate bond or indemnitq in form, substans the Citq and the Registrar so surrendered to the Regi such cancellation shaI,l be stolen or lost Refunding redemption in accordance wi a new Refunding Bond prior and amount satisfactory to it, in wl~~.ch both X11 be named as obligees. All Refunding Bonds gar shall be cancelled by it and evidence of yen to the City. If the mutilated, destroyed, ad has already matured or been called for its terms it shall not be necessary to issue payment. 1.06. Appointment of Initial Registrar. The City hereby appoints St, Paul St. Paul, Minnesota asm the ainitialn Regis ray Trine ofl par and the Citq Manager are authorized to execute and deliver, on behalf of the City, a contract with said Registrar. Upon meager or consolidation of the Registrar with another corporation, if the resulting corporation is a beak or trust company authorized by law to conduct such business, such corporation) shall be authorized to act as successor Registrar. The City agrees to pad the reasonable and customary charges of the Registrar for the services performed. The City reserves the right to remove the. Registrar upon 30 days' notice', and upon the appointment of a successor Registrar, in which event the predecessor Registrar shall deliver aII cash and Refunding Bonds. in____its possession to the successor Registrar and shall. deliver the bond register to the successor Registrar. On or before each principal or interest due date., without further order of .this Council, the City Finance Manager shall transmit to the Registrar .moneys sufficient for the payment of alI principal and interest then due. 1.07. .Execution, Authentication and Delivery. The Refunding Bonds shall be prepared under the direction of the` City Clerk and shall be executed ;on behalf of the Citq by the signatures of the Mayor and the City Manager, p~•ovided that all signatures may be printed, engraved or lithographed facsimiles of the rrginals. In case any officer whose signature or a facsimile of whose signature shall appear on the Bonds shall cease to be such officer before the delivery of any Bond, such signature or facsimile shall nevertheless be valid and sufficient for all purposes, Ithe same as if the officer had remained in office until delivery. I`fotwithstanding such execution, no Refunding Bond shall be valid or obligatory for any purpose or entitled to any securitq or benefit under this Resolution unless and until a certificate of authentication on such Bond has been -duly executed •by the .manual signature of an authorized representative of. the Registrar. Certificates of authentication on different Refunding Bonds need not be signed by the same representative. The executed certificate of authentication on' each Refunding Bond shall be conclusive evidence that it has been authenticated and delivered under this Resolution. When the Refunding Bonds have been',so prepared, executed and authenticated, the City Clerk shall deliver the same to the Purchaser thereof upon payment of the purchase price in accordance with) the contract of sale heretofore .made and executed, and the. Purchaser shall not be obligated to see to the application of the purchase price. Section 2. Form and Execution. 2.02. The Refunding Bonds shall be printed in substantially the following form: Certificate of Authentication hereon shall have been executed by the Bond Registrar by maaual signature of one of its authorized representatives. IN WITNESS WHEREOF, the City of Richfield, Hennepin County,. Minnesota, by its .City Council, has caused this Bond to be executed on its behalf by the facsimile signatures of the Mayoz and City Manager and has caused this Bond to be dated as of the date set forth below. Dated: CITY OF~RiCHF~j.D, MINNESOTA (facsimile) Citq Manager b1 CERTIFICATE 0$'AUTHENTICATION This is one of the Bonds delivered pursuant to the Resolution mentioned within. By Authorised Representative [Reverse of the Bond] This bond is one of an issue of bonds in the total principal amount of $6,225,000, all of like original issue date and tenor except as to interest rate, maturity and redemption privilege, all issued by the City pursuant to a Resolution adopted by the City Council on December 2, 1985 (the Resolution) for the purpose of providing money to refund, pursuant to Minnesota Statutes, Section 475.67, is advance of their maturity, the outstanding principal amount of certain general obligation redevelopment bonds of the City, which have been issued for the purpose of providing money to finance a portion of the public redevelopment costs of a Redevelopment Project in a Redevelopment Tax Inczement Financing District (District) in the City pursuant to and in full conformity with the Constitution and laws of the State of Minnesota, including Minnesota Statutes, Sections 273.71 to 273.78, and is payable primarily from tax increments resulting in inczeases in assessed valuation of real property in the District, but constitutes a general obligation of the City and, to provide moneys for the prompt and-full payment of its principal and interest as the same become due, the full faith and credit of the City is hereby irrevocably pledged, and the City Council will Levy additional ad valorem taxes, if required for such purpose, which .taxes may be levied on all of the taxable property in the City without limitation as to rate or amount. The bonds of this series are issued in denomination of $5,000 or any integral multiple thereof, of single maturities. As provided in the Resa forth therein, this Bond is tray principal office of the Bond Regi; or by the owner's attorney duly together with a written• instru~ Registrar, duly executed by the ~ may also be surrendered in exchang Upon such transfer or exchange tY issued in the name- of the transfe principal amount, bearing interes date., subject "to reimbursement foi to be paid with respec to such Lr lotion and subject to certain limitations see:. sferable upon the books of the Citp at the tram, by the registered owner hereof fn person authorized in writing upon surrender hereof lent of transfer -satisfactory to 'the Bond egistered owner or the owner's attorney; and e far Bonds of other authorized denominations. e City will cause a new Bond or Bonds to be gee or registered owner, of the same aggre,ate at the same rate and maturing on the same any tax, fee or governmental charge required ansfer or exchange.. The City and the Bond Registrar may deem and treat the person in whose name this Band is registered as the absolute owner hereof, whether this Bond is overdue or not, for the purpose of ', receiving payment and for all other purposes, and neither the City nor the Bond'Registrar shall be affected by any notice to the contrary. IT IS HEREBY CERTZFIED, RECITED, COVENANTED AND AGREED that all acts, conditions and things required by the Constitution and laws of the State of Minnesota and the Home Rule Charter of the City to be done, to exist, to happen and to be performed preliminary to'' and in the issuance of this Bond in order to make it a valid and binding general obligation of the City in accordance with its terms, have been done, do exist., have happened and have been performed as so required, and that the issuance oflthis Band does not cause the indebtedness of the City to exceed any constitutional, statutory, or charter Timitatan of indebtedness. (Form of certificate to be printed on the reverse side of each Bond, following a full copy of the legal ',opinion.) Z certify that the above is a full, true and correct copy of the legal opinion rendered by bond counsel on'the issue of Bonds of the City of Richfield, Minnesota, which includes the within Bond, dated as of the date of delivery of and payment for the Bonds. ...(Facsimile. Signature) City Clerk The following abbreviations, when used in the inscription of the face of this Bond, shall be construed as though they were written out in full according to applicable laws or regulations: TEN COM -- as tenants UNIF GIFT MIN ACT Custodian in common (Gust) (Minor) TEN ENT -- as tenants by entireties under Uniform Gifts to Minors JT TEN -- as joint tenants with "~' right of survivorship and Act . not .as tenants in common (State). Additional abbreviations may also be used though not in the above list. " ASSIGNMENT For value received, the undersigned hereby sells, assigns and transfers unto the within Bond and all rights thereunder, and does hereby irrevocably constitute and appoint attorney to transfer the said Bond on the books kept for registration of the within Bond, with full power of substitution in the premises. Dated: Notice: The assignor's signature to this assignment must correspond with the name as it appears upon the face of the within Bond in every particular, without alteration or any change whatever. " Signature Guaranteed: Signature(s) must be guaranteed by a national bank or trust company or by a brokerage firm having a membership in one of the major stock exchanges. The Bond Registrar will not effect transfer of this Bond unless the information concerning the assignee requested below is provided.' Name and Address: (Include information for all joint owners if the Bond is held by joint account) Please insert social securitq or ither identifying number of assignee 2.02. The City Clerk shall obtain a copy of the proposed approving legal opinion of LeFevere, Lefler, Kennedy, O'Brien & Drawz, a Professional Association, Minneapolis, Mianesot~a, which shall be complete except as to dati:.z thereof and shall cause the opinion to be printed on each Bond, together with a certificate to be signed by the facsimile 'signature of the City Clerk in sub- staatialLy the form set forth in'the form of Bond. The City Clerk is hereby authorized and directed to execute,such certificate in the name of the City upon receipt. of such opinion and to file the opinion in the City offices. Section 3. Refunding Bonds: '',Securit 3.01. The Refunding Bonds and additional bonds similarly authorized and issued shall be payable from the', General Obligation Redevelopment Bonds Fund account is the Debt Service Fund (,created by Resolution No. 5751 {the "Fund"). The Finance Manager is authorized and directed to transfer from the- Fund those amounts determined by actuarial ',calculation at the time of delivery of the Refunding Bonds to be necessary to~.praperZy fund the Escrow Account established by Section 4 of this resolution.. !,The proceeds of any general taxes heretofore oz hereafter levied for the Refunding Bonds and other bonds payable frnm 'the Debt Service Fund and tax increments (the "Tax Increments") from the Project Area in which the Public Redevelopment Costs financed by the Bonds are incurred received by the City from the Sousing and Redevelopment Authority of Richfield {the !'Authority") pursuant to the Tax Increment Agreement (the "Agreement") executed by the City and.the Authority on May 9, 1977 are hereby irrevocably appropriated and pledged to the Find subject to the provisions of paragraph 3.03 hereof. If any payment of principal or interest on Refunding Bonds payable from the Fund shall become due when there is not sufficient money in the Fund to pay the same, .the Finance Managershall pay such princpal or interest. from the general fund of the City and such ',fund may be reimbursed for such advances out of proceeds of the Tax Increments•or other taxes when received. 3.02. It is further determined that the estimated collections of Tax Increments under the Agreement together with the proceeds of any taxes collected pursuant to the provisions of Section 8 of Resolution No. 5717 for the payment of the City's General Obligation Redevelopment Bonds of 1977, dated August 1, 1977 (the "1.977 Bonds") will produce at least five percent in excess of .the amounts needed to meat when due ', the principal and intrest payments on the Refunding Bonds and the 1977 Bonds 'and that no additional tax levy is needed at this time. The 1977 Bonds, the City's $4,100,000 General Obligation' Redevel- opment Bonds of 1982, dated May 1'„ 1982, the Refunding Bonds., and aI1 bonds hereafter issued and made payable ,from the Fund are and shall be equally and ratably secured by the pledge of', all assets of the Fund. Nothing in this resolution affects or rescinds the taxes levied in Section 8 of Resolution No. 5717, or the authority of the Cit}t Finance Manager to request the Director of Property Taxation to annually reduce or cancel such Levies. 3.03. This Council -by paragraph 12 of Resolution No. 631.0 issuing the City's .$6,100,000 General Obligation Improvement Bonds of 1980 (the. "1980 Bonds") has determined that the public improvements financed by the 1980 Bonds constituted projects undertaken by the City in aid of the Project Area and constituted Public Redevelopment Costs of the Project Area. This Council further there3.n determined to use Tax Increments. received under the Agreement to pay all or a portion of the City's cost of those: public improvements as represented by the tax levies made by paragraph 9 of Resolution No. 6310. Accordingly this Council reaffirms paragraph 12 of Resolution No. 6310,....and restates its intention to deposit from time to time such portion of the Tax Increments to the Sinking Fnnd for the 1980 Bonds as in its judgment is necessary and available to debt service on the 1980 Bonds. Section 4. Refunding: Findings; Escrow: Redemption of Refunded Bonds. 4.01.. The Refunded Bands are the $5,750,000 General Obligation Redevelopment Bonds of 1984 of the City, dated August I, 1984. It is hereby found and .determined that based upon information presently available from the City's financial advisers, the issuance of the Refunding Bonds will result in a reduction of debt service or interest cost to the City on the Refunded Bonds as follows: Date of Refunded Bonds Net Effective Interest Rate: Refunded Bonds Net Effective Interest Rate: Refunding. Bonds a August 1, 1984 9.45Y 7.77y The dollar value of such debt service or interest cast savings (Reduction) is $ 1,084,295 and the present value of the Reduction is $ 211.344 The dollar amount of the Reduction is 16.68 ~ of the (deh~=~ee~r~$~) (interest cost) on the Refunded Bonds. The Reduction, after the inclusion of all authorized expenses of refunding in the computation of the effective interest rate on the Refunding Bonds, is adequate to authorize the issuance of the Refunding Bonds as provided by Section 475.67, Subdivision 12 of the Act. 4.02. As of the date of delivery of and payment for the Refunding Bonds the proceeds (Proceeds) of the Refunding Bonds, in the amount of $ 6,171,025 together with other funds (Funds) in the amount of $ 302.274.61 hereby appropriated for such purpose as shall be necessary to pay the principal of, interest on and redemption premium (if any) on the Refunded Bonds to their maturity or the date on which they are called for redemption, whichever date is earlier, less necessary expenses of the issuance of the Refunding Bonds and less any amount of Proceeds in excess .of $6,171,025 required to be deposited in the. Debt Service Fund by Section 1.01, are hereby pledged and appropriated and shall be deposited in escrow in account with Norwest Bank Minneapolis(National Association) a suitable banking institution within the State, whose deposits are insured by the Federal Deposit Insurance Corporation and whose combined capital and surplus is not less than $500,000, and said bank is hereby designated escrow agent (Agent) fox such funds. The City shall. pay the reasonable charges of the Agent- for its services. The Proceeds and Funds shall be invested in securities maturing or callable at the opti~ interest at such rates as sha. together with any cash or other whew due the interest to accrue c which it is called as herein gr~ such obligation at maturity or redemption and to pay any premi~ monies in the Escrow Account sha forth, and for no other purpose, Escrow Account after all of the thereon are paid, then such balan x of the holder on .such dates and bearing such L be required. to provide sufficient funds, funds retained in the Escrow Account, to pa}~ .each obligation at maturity or on the date ors riled and to pay the principal amount of each n the date on which it has been called for a required for redemption on such date.. The 1 be used solely for the purposes herein set Kcept that if any balance shall remain ir, the refunded Bands and interest (and any premiuWl e shall be transferred to the City. 4.03. The City Council hereby finds and determines that the Proceeds and Funds available and appropriated to the Escrow Account will be sufficient, together with the permitted earnings on the nvestazeat of the Escrow Account to pay at maturity or redemption all of the .principal of, interest on and redemption premium (if any) on the,Refunded Bonds. 4.04. Securities purchased from the monies in the Escrow Account shall be limited to securities specified in Section 475.67, Subdivision 8 of the Act. Securities purchased for the Escrow Account shall be purchased simultaneously with the delivery of and payment for the Refunding Bonds. 4.05. The Refunded Bonds maturing on February 1, 1996 and thereafter shall be redeemed and prepaid on February I, 1995. The Refunded Bonds shall be redeemed and prepaid: in accordance with their terms and in accordance with the terms and conditions set forth in the form. of .Notice of Cali for Redemption attached hereto as Exhibit C-1 which terms and conditions are hereby approved. and incorporated herein by reference. The City Cleric is hereby authorized and directed to forthwith publish the Notice of Call for Redemption in a publication qualified under Section 475.54 of the Act and to sand written notices of call to the paying agent for the Refundedl, Bonds, provided that published notice alone shall be effective. 4.06. On or prior to the delivery of the Refunding Bonds, the riayor and the City Manager are hereby author~.zed and directed to execute on behalf of the City an escrow agreement {Escrow •Agreement) with the Agent in substantially the form now on file with the Citq Clerk. All essential terms and .conditions of the Escxow Agreement are hereby approved .and adopted and made a part of this resolution, and the City covenants ', that it will promptly enforce all provisions thereof in the event of default thereunder by the. Agent.. 4.07. When all Refunding Bonds and all interest thereon, have been discharged as .provided in this paragraph, all pledges, covenants and other rights granted by this resolution to the holders of the Refunding. Bonds shall cease, except that the pledge of the full faith and credit of the City for the prompt and full payment of the principal of and interest on the Refunding Bonds shall remain in full farce and effect. The City may discharge all Refunding Bonds which aze due on any date by depositing with the Registrar on or before that date a sum sufficient, for the payment thereof in full; if any Refunding Bond should not be pai~dr' when due, it may nevertheless be discharged by depositing with the .Registrar a sum sufficient for the payment thereof in full with interest accrued to the .date ~,of such deposit. The City may also at any time discharge and defense the Refunding Bonds in their entiret}~ by complying with the provisions of Section 475.67, Subdivisions. 4 to 11 of the Act, except that the funds deposited in escrow in accordance with said provisions may (to the extent permitted by lawj but need not be, in whole or in part, proceeds of refunding bonds as therein provided without the consent of nay Bondholders.. Section 5. Authentication of Transcript. 5.01. The officers of the City are hereby authorized and directed to prepare and furnish to the Purchaser and to the attorneys approving the legality of the issuance of the Refunding Bonds, certified copies of all proceedings and records of the City relating to the Refunding Bonds and to the financial condition and affairs of the City, and such other affidavits, certificates and information as are required to' show the facts relating to the legality and marketability of said bonds as the same appear from the books and records under their custody and control or as otherwise known to them, and all such certified copies, certificates and affidavits, including any heretofore furnished, shall be deemed representations of the City as to the facts stated therein. The. Mayor, Manager and Finance Manager are hereby authorized and directed to certify that they have examined the Official Statement' dated November 18 , 1985, prepared and circulated in connection with the issuance and sale.of the Refunding Bonds and that to the best of their knowledge and belief the Official Statement is a complete and accurate representation of the facts and representa- tions made therein as of the date thereof. Passed by the City Council of the City of Richfield this 2nd day-of December, 1985. ATTEST: r Thomas P. Ferber City Clerk Exhibit C-1 OF CALL DEMPTION $5,750,000 GENERAL OBLIGATION REDEVELOPMENT BONDS OF 1984 CITY OF RICHFIELD HENNEPN COUNTY, MINt3ESOTA .:~~~ NOTICE IS HEREBY GIVEN, that,', by order of the City Council of the City of Richfield, Hennepin County, Minnesota, there have been called for redemption and prepayment on ,. February 1, 1995 all outstanding bonds of the City designated as General Obligation Redevelopment Bonds of 1984, originally dated An~gust 1, 1984, having stated maturity dates of February i in the years 1996 trough 2002 , both inclusive, and totalling. $4,075,000 in principal amount. The bonds are being called at a price of par plus accrued interest to February', I, 1995, on which date all interest on .said bonds will cease to accrue. Holders of the bonds hereby called for redemption are requested to present their bonds for payment at the main .office of the American National Bank and Trust Company in the-City of St. Paul, Minnesota, on or before February 1, 1995. Dated: December 2, 1985. BY ORDER OF THE CITY COUNCIL •• City Clerk City of Richfield Further Information: Evensen Dodge, Inc. 3608 IDS Tower riinneapolis, MN 55402 (612)338-3535