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Preliminary <br />City of Ramsey EDA, Minnesota <br />G.O. Refunding Bonds, Series 2012 (Ascending Debt Service) <br />2005A (Assumes Old Reserve Earnings at 2.50%) <br />Debt Service Comparison <br />Scenario C <br />Date Total P+I Net New D/S <br />Old Net D/S <br />Savings <br />12/15/2012 997,740.00 996,453.45 <br />1,489,406.77 <br />492,953.32 <br />12/15/2013 1,016,037.50 1,016,037.50 <br />1,473,516.50 <br />457,479.00 <br />12/15/2014 1,038,397.50 1,038,397.50 <br />1,476,841.50 <br />438,444.00 <br />12/15/2015 1,059,630.00 1,059,630.00 <br />1,470,504.00 <br />410,874.00 <br />12/15/2016 1, 079, 660.00 1, 079, 660.00 <br />1, 472, 891.50 <br />393, 231.50 <br />12/15/2017 1,098,412.50 1,098,412.50 <br />1,468,579.00 <br />370,166.50 <br />12/15/2018 1,115,432.50 1,115,432.50 <br />1,442,779.00 <br />327,346.50 <br />12/15/2019 1,135,227.50 1,135,227.50 <br />1,436,341.50 <br />301,114.00 <br />12/15/2020 1,157, 595.00 1,157, 595.00 <br />1,455, 941.50 <br />298, 346.50 <br />12/15/2021 1,172,720.00 1,172,720.00 <br />1,411,001.50 <br />238,281.50 <br />12/15/2022 1,170, 560.00 1,170, 560.00 <br />1, 361, 061.50 <br />190, 501.50 <br />12/15/2023 1,171, 317.50 1,171, 317.50 <br />1,436, 331.50 <br />265, 014.00 <br />12/15/2024 1,170,272.50 1,170,272.50 <br />1,444,784.00 <br />274,511.50 <br />12/15/2025 1,172,365.00 1,172,365.00 <br />1,455,626.50 <br />283,261.50 <br />12/15/2026 1,172,885.00 1,172,885.00 <br />1,493,641.50 <br />320,756.50 <br />12/15/2027 1,171, 782.50 1,171, 782.50 <br />(25,118.50) <br />(1,196, 901.00 ) <br />12/15/2028 1,168, 502.50 1,168, 502.50 <br />- <br />(1,168, 502.50 ) <br />12/15/2029 1,168,487.50 1,168,487.50 <br />- <br />(1,168,487.50) <br />12/15/2030 1,171, 537.50 1,171, 537.50 <br />- <br />(1,171, 537.50 ) <br />12/15/2031 1,171, 887.50 1,171, 887.50 <br />- <br />(1,171, 887.50 ) <br />Total $22,580,450.00 $22,579,163.45 <br />$21,764,129.27 <br />(815,034.18) <br />PV Analysis Summary (Net to Net) <br />Gross PV Debt Service Savings <br />2,048,617.05 <br />Effects of changes in DSR investments <br />(1,537,020.85) <br />Net PV Cashflow Savings @ 2.474%(Bond Yield) <br />511,596.20 <br />Contingency or Rounding Amount <br />1,286.55 <br />Net Present Value Benefit <br />$512,882.75 <br />Net PV Benefit / $19,738,617.05 PV Refunded Debt Service <br />2.598% <br />Net PV Benefit / $17,040,000 Refunded Principal... <br />3.010% <br />Net PV Benefit / $17,690,000 Refunding Principal.. <br />2.899% <br />Refunding Bond Information <br />Refunding Dated Date <br />5/01/2012 <br />Refunding Delivery Date <br />5/01/2012 <br />05ref 1000 I SINGLE PURPOSE 12/ 7/2012 1 10:47 AM <br />Northland Securities <br />Public Finance <br />Page 2 <br />