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Final <br />City of Ramsey, Minnesota <br />G.O. Improvement Crossover Refunding Bonds, Series 2011B <br />2005B <br />Debt Service Schedule <br />Date Principal Coupon Interest Total P+I Fiscal Total <br />12/29/2011 - - - - - <br />06/15/2012 - - 36,556.88 36,556.88 - <br />12/15/2012 - - 33,918.75 33,918.75 70,475.63 <br />06/15/2013 - - 33, 918.75 33, 918.75 - <br />12/15/2013 - - 33,918.75 33,918.75 67,837.50 <br />06/15/2014 - 33,918.75 33,918.75 - <br />12/ 15/2014 - - 33, 918.75 33, 918.75 67, 837.50 <br />06/15/2015 33,918.75 33,918.75 <br />12/15/2015 255,000.00 2.000% 33,918.75 288,918.75 322,837.50 <br />06/15/2016 - 31,368.75 31,368.75 - <br />12/15/2016 260,000.00 2.000% 31,368.75 291,368.75 322,737.50 <br />06/15/2017 - 28,768.75 28,768.75 - <br />12/15/2017 265,000.00 2.000% 28,768.75 293,768.75 322,537.50 <br />06/15/2018 - 26,118.75 26,118.75 - <br />12/15/2018 270,000.00 2.000% 26,118.75 296,118.75 322,237.50 <br />06/15/2019 23,418.75 23,418.75 <br />12/15/2019 275,000.00 2.000% 23,418.75 298,418.75 321,837.50 <br />06/15/2020 - 20,668.75 20,668.75 - <br />12/15/2020 280,000.00 2.000% 20,668.75 300,668.75 321,337.50 <br />06/15/2021 - 17, 868.75 17, 868.75 - <br />12/15/2021 285,000.00 2.100% 17,868.75 302,868.75 320,737.50 <br />06/15/2022 - 14,876.25 14,876.25 - <br />12/15/2022 290,000.00 2.250% 14,876.25 304,876.25 319,752.50 <br />06/15/2023 11,613.75 11,613.75 <br />12/15/2023 295,000.00 2.400% 11,613.75 306,613.75 318,227.50 <br />06/15/2024 - - 8,073.75 8,073.75 - <br />12/15/2024 305,000.00 2.550% 8,073.75 313,073.75 321,147.50 <br />06/15/2025 - - 4,185.00 4,185.00 - <br />12/15/2025 310,000.00 2.700% 4,185.00 314,185.00 318,370.00 <br />Total $3,090,000.00 $647,910.63 $3,737,910.63 <br />Dated 12/01/2011 <br />Delivery Date 12/29/2011 <br />First Coupon Date 6/15/2012 <br />First available call date 12/15/2020 <br />Call Price 100.0000000% <br />Accrued Interest from 12/01/2011 to 12/29/2011 5,276.25 <br />Bond Year Dollars $28,284.83 <br />Average Life 9.154 Years <br />Average Coupon 2.2906645% <br />Net Interest Cost (NIC) 2.3043561% <br />True Interest Cost (TIC) 2.2795269% <br />Bond Yield for Arbitrage Purposes 2.0851035% <br />Net Interest Cost 2.0919941 % <br />Weighted Average Maturity 9.102 Years <br />05bref I SINGLE PURPOSE 112/ 5/2011 1 12:05 PM <br />Northland Securities <br />Public Finance <br />Page 3 <br />