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UNITED STATES OF AMERICA <br />STATE OF MINNESOTA <br />ANOKA COUNTY <br /> CITY OF RAMSEY <br /> <br />GENERAL OBLIGATION EQuIpMENT CERTIFICATE <br /> OF INDEBTEDNESS, SERIES 2004B <br /> <br />I N~I'ER EST MATURITY DATE OF <br />RATE DATE ORIGINAL ISSUE CUSIP <br /> <br />% DECEMBER 15, 20 <br /> <br />DECEMBER 15, 2004 <br /> <br />P,l!( iISTt?;RED OWNER: CEDE & CO. <br /> <br />PP, IN('II~AL AMOUNT: <br /> <br />DOLLARS <br /> <br /> TI IE CITY OF RAMSEY, ANOKA COUNTY, MINNESOTA (the "Issuer"), certifies <br />tha! it is indebted and for value received promises to pay to the registered owner specified above, <br />or regi stered assigns, iu the manner hereinafter set forth, the principal amount specified above, <br />on thc maturity date specified above, without option of prepayment, and to pay interest thereon <br />scmian n ual ly on June 15 and December 15 of each year (each, an "Interest Payment Date"), <br />corn mcncing June 15, 2005, at the rate per annum specified above (calculated on the basis of a <br />3(~0-day year of twelve 30-day months) until the principal sum is paid or has been provided for. <br />'l'his C'crti ficatc will bear interest from the most recent Interest Payment Date to which interest <br />has been paid or, if no interest has been paid, from the date of original issue hereof. The <br />pti ndp~d el' and premium, if any, on this Certificate are payable upon presentation and surrender <br />horcot~ al tho pti ncipal office of Northland Trust Services, Inc., in Minneapolis, Minnesota (the <br />"Regist~-ar"), acting as paying agent, or any successor paying agent duly appointed by the Issuer. <br />Interest on this Certificate will be paid on each Interest Payment Date by check or draft mailed to <br />tl~e person in whose name this Certificate is registered (the "Holder") on the registration books of <br />thc Issuer maintained by the Registrar and at the address appearing thereon at the close of <br />business; on the first clay of the calendar month of such Interest Payment Date (the "Regular <br />P, cco~'d Date"). Any interest not so timely paid shall cease to be payable to the person who is the <br />I lolclc~~ hcreoCas of the Regular Record Date, and shall be payable to the person who is the <br />I t old or heroof at the close of business on a date (the "Special Record Date") fixed by the <br />Registrar whenever money becomes available for payment of the defaulted interest. Notice of <br />~hc Special Record Date shall be given to Holders not less than ten days prior to the Special <br />Roco~'d I)atc. Thc principal of and premium, if any, and interest on this Certificate are payable in <br />law Ih l money of the United States of America. So long as this Certificate is registered in the <br />mmic o 1' the Depository or its Nominee as provided in the Resolution hereinafter described, and <br />as lhose terms are defined therein, payment of principal of, premium, if any, and interest on this <br />('ertl lie;ate and notice with respect thereto shall be made as provided in the Letter of <br />P, cprcscnlations, as defined in the Resolution. Until termination of the book-entry only system <br /> <br /> <br />