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HomeMy WebLinkAboutVarious Purposes 1998 Land Preservation NEW ISSUE - SERIAL BONDS O(~N ,sPIicr . . In the oRinion ofHawki~ Delafiel(i & /food LLP,.BondCo.unsel fa the Town under ex.istinl!.st~~~s and court decis~' ns alld I1$suming contmumg complIance wIth certam tax certifications described herem] fi) mterest on ih{! Bonds IS f!X.Clude om KrOSS income or federal income tax purp9ses pursuanllo Section 103 oftheInternal Revenue Code of 986. as amended (the "Code "J, an iiJ interest on the onlis is nollreated as a preJf!rence item in calculating the alternative minimum tax imposed on individua~ and corporafions under the Code" sue interest however . is inc/uaed in the aqjusted current earnings of certain corporations for purf)oses 0 calculatmg the alternative minimum tax imJ?osed on such corporations. 1ft, acfditiofJ. in the op,inion bfHond Counsel to the Town, W'Jder ex;SIj1JI! statut{!s, interest on the Bonds is exemp(from personal income taxes oJ New York State ana its pantieal subdivisions, including lhe City oJ ffew York. See "Tax Matters" herein. The Bonds will NOT be designated by the Town as "qualified tax-exempt obligations" pursuant to the provision of Section 265 ofthe Code. $14,650,000 TOWN OF SOUTHOLD SUFFOLK COUNTY, NEW YORK (the "Town") Dated: April 15, 2007 PUBLIC IMPROVEMENT SERIAL BONDS - 2007 [BOOK-ENTRY-ONL Y BONDS] Principal Due: April 15, 2008-2030, inclusive Interest Due: October 15, 2007 and semi-annually thereafter BOND MATURITY SCHEDULE Amount Maturitv Rate Yield Amount Maturitv Rate Yield Amount Maturitv Rate Yield $700,000 2008 4.00% 3.42% $625,000 2016 4.25% 3.82% $ 725,000 2024 4.25% 4.23% 725,000 2009 4-'/8 3.45 675,000 2017 4.25 3.87 725,000 2025 4.25 4.25 575,000 2010 4-'/8 3.50 675,000 2018 4.25 3.95 550,000 2026 4.25 4.26 575,000 2011 4.25 3.52 675,000 2019 4.25 4.00 550,000 2027 4.25 4.28 600,000 2012 4.25 3.57 675,000 2020 4.25 4.05 550,000 2028 4.25 4.29 625,000 2013 4.25 3.62 675,000 2021 4.25 4.10 550,000 2029 4.25 4.30 625,000 2014 4.25 3.70 675,000 2022 4.25 4.15 550,000 2030 4.25 4.31 625,000 2015 4.25 3.77 725,000 2023 4.25 4.20 'The payment of the principal of and interest on the Bonds when due will be insured by a financial guaranty insurance policy to be issued by Ambac Assurance Corporation simultaneously with the delivery of the Bonds. Ambac Security and Sources of Pqyment: The Bonds will constitute general obligations of the Town and will contain a pledge of its faith and credit for the punctual payment of the principal of and interest on the Bonds, and all the taxable real property WIthin the Town will be subject to the levy 01 ad valorem taxes, without limitation as to rate or amount, for such purpose. Prior Redemption: The Bonds maturing on April 15, 2018 and thereafter are subiect to redemption, at the option of the TownAprior to maturity in whole or in part, on any date on or after April 15, 2017 in accordance with the tenns described herein. See "uptional Redemption" under "The Bonds," herein. Form and Denomination: The Bonds will be issued as registered bond~, and, when issued, will be registered in the name of Cede & Co. as nominee of The Depository Trust Company ("DTC") New I ork, New York, which will act as the Securities Depository for the Bonds. Individual purchases of the Bonds may be made only in book-entry fonn in denominations of $5,000 or inte/(f,al multiples thereof. Bondholders will not receive certificates representing their ownership interest in the Bonds purchased. See Book-Entry-Only System" under "The Bonds," herein. Payment: Payment of the principal of and interest on the Bonds to the Beneficial Owners of the Bonds will be made by DTC Participants and Indirect Participants in accordance with standing instructions and custom~ practices, as is now the case with municlp'al securities held for the accounts of customers in bearer fonn or registered in "street name." Payment will be the responsibility of the DTC Particigant or Indirect Participant and not of DTC or the Town, suQject to any statutory and regulatory requirements as may be in effect from time to time. See "Book-Entry-Only System" under "The Bonds," herein. Hawkins Dc;lafield & Wood LLP has nQt participated in the preparation of this Official Statement, nor verified the accuracy, completeness or fairness ot'the intormation contained nerem, and, accordingly, expresses no opinion with respect thereto. The Bonds are offered su&ectto thejinal approvingop'inion of Hawkins Delafield & Wood LLP, New York, New York, Bond Counsel, and certain other conditions. It is ex~ected that iielivery of the Bonds In book-entry form will be made through the facilities ofDTC on or about April 19,2007 in New York, New York This revised cover dated April 10, 2007, supl?lements the Official Statement of the Town dated March 27, 2007, relating to the obligations described therein and herein including certain infonnation omitted from such Official Statement in accordance with Secunties and Exchan~e Commission Rule 15c2-12 {the "Rule"), and shall constitute the Town's final Official Statement within the meaning of the Rule. Other than as set forth on this revised cover page, the table. of contents the.section entitled "Bond ~ti1)g" and the addition of "Appendix C - The Bond Insurer", there have been no other reVISIOns to the OffiCIal Statement. For a descnptIon of the Town's agreement to provide continuing diSClosure as described in the Rule, see "Disclosure Undertaking" herein. ROOSEVELT & CROSS, INC. AND ASSOCIATES TOWN OF SOUTHOLD SUFFOLK COUNTY, NEW YORK Town Hall 53095 Main Road Southold, NY 11971 Telephone: (631) 765-4333 Fax: (631) 765-1366 TOWN BOARD Scott A. Russell, Supervisor William P. Edwards Louisa P. Evans Albert J. Krupski, Jr. Daniel C. Ross Thomas H. Wickham Elizabeth A. Neville, Town Clerk Peter W. Harris, Superintendent of Highways John A. Cushman II, Town Comptroller Patricia A. Finnegan, Esq., Town Attorney George Sullivan, Receiver of Taxes * * * BOND COUNSEL Hawkins Delafield & Wood LLP New York, New York . . * FINANCIAL ADVISOR MUNISTAT SERVICES, INC. Municipal Finance Advisory Service 12 Roosevelt Avenue Port Jefferson Station, N.Y. 11776 (631) 331-8888 E-mail: info@munistat.com Website: http://www.munistat.com No dealer, broker, salesman or other person has been authorized by the Town to give any information or to make any representations, other than those contained in this Official Statement and if given or made, such other information or representations must not be relied upon as having been authorized by the Town. This Official Statement does not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Bonds by any person in any jurisdiction in which it is unlawful for such person to make such offer, solicitation or sale. The information set forth herein has been obtained by the Town from sources which are believed to be reliable but it is not guaranteed as to accuracy or completeness. The information and expressions of opinion herein are subjectto change WIthout notice and neither the delivery of this Official Statement nor any sale made hereunder shall, under any circumstances, create any implication that there has been no change in the affairs of the Town since the date hereof. TABLE OF CONTENTS Page THE BONDS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. I Description of the Bonds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. I Optional Redemption. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. I Book-entry-only System .................................................................. I Authorization and Purpose. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 3 Security and Source of Payment ............................................................ 3 RemedIes Upon Default. . . . . . . . . . . . . . . . . . . . : . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 3 THE TOWN ............................................................................... 4 General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4 Government. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4 Employees .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5 ECONOMIC AND DEMOGRAPHIC INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5 Population Characteristics ................................................................. 5 Median Income of Families . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5 Unemployment Rate Statistics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 6 Selected Listing of Larger Employers ........................................................ 6 INDEBTEDNESS OF THE TOWN ............................................................ 6 Constitutional Requirements ............................................................... 6 Statutory Procedure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 7 Computation of Debt Limit and Calculation of Net Debt Contracting Margin ......................... 8 Trend of Town Indebtedness. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8 Details of,Short- Te.rm Indebtedness Outstanding ............................................... 9 DebtServlceRequrrements-OutstandmgBonds ............................................... 9 Calculation of Estimated Overlapping and Underlying Indebtedness ................................ 9 Authorized But Unissued Items. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10 Capital Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. ] 0 Landfill Closure and Postclosure Care Costs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. ] 0 FINANCES OF THE TOWN ................................................................ II Financial Statements and Accounting Procedures ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. II Fund Structure and Accounts ......................................................... II ]nves=~~ p~t~~o~t.~g . : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : :: 11 W~~~\~6;~r~~ro~:s.::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: g Revenues. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 12 ~~~~ ~iJ'"~ T.ax~~.: : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : :: g Expenditures .......................................................................... 13 Pension Systems ....................................................................... 13 ContributIOns to the Retirement Systems. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 13 Other Post Emp]oyment Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 14 REAL PROPERTY TAX INFORMA nON .................................................... 14 Rea] Property Taxes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 14 Tax Levy and Collection Record . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 15 Tax Collection Procedure ................................................................ 15 Tax Rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 15 Large Taxable Properties. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 15 LITIGATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 16 BONDHOLDER RISKS AND MARKET FACTORS AFFECTING FINANCINGS OF THE STATE AND MUNICIPALITIES OF THE STATE. . .. .. . .. .. . .. . . . .. .. . . . .. .. .. .. . .. . .. ]6 ~--->----~_........"'~'---- TABLE OF CONTENTS (Continued) Page TAX MATTERS........................................................................... 17 Opinion of Bond Counsel................................................................ 17 Certain Ongoing Federal Tax Requirements and Covenants .... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 17 Certain Conateral Federal Tax Consequences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 17 Original Issue Discount .................................................................. 17 Bond Premium. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 18 ~:~~fti';;~thhOlding.:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: l~ DOCUMENTS ACCOMPANYING DELIVERY OF THE BONDS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 18 Absence of Litigation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 18 Legal Matters.......................................................................... 19 Closing Certificates ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 19 DISCLOSURE UNDERTAKING.. .. . .. .. .. . .. .. .. .. .. .. . .. .. .. .. . . . .. .. .. . .. . . .. . .. .. .. .. ... 19 BOND RATING . .. . . .. .. . .. . .. .. .. .. .. .. . .. . .. . .. .. .. . .. .. .. .. . . . . .. .. .. .. .. .. . . . . .. . . .... 20 FINANCIAL ADVISOR .................................................................... 20 ADDITIONAL INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 20 APPENDIX A: APPENDIX B: APPENDIX C: Financial Information Audited Financial Statements For the Fiscal Year Ended December 31, 2005 Insurance on the Bonds It OFFICIAL STATEMENT $14,650,000 TOWN OF SOUTHOLD SUFFOLK COUNTY, NEW YORK PUBLIC IMPROVEMENT SERIAL BONDS - 2007 [BOOK-ENTRY -ONLY BONDS] This Official Statement presents certain information relatin~ to the Town of Southold, in the County of Suffolk, in the State of New York (the "Town," "County" and "State, ' respectively) in connection with the safe of $14,650,000 Public Improvement Serial Bonds - 2007 (the "Bonds"). All quotations from and summaries and explanations of provisions of the Constitution and laws of the State and acts and proceedings of the Town contained herein do not purport to be complete and are qualified in their entirety by reference to the official compilations thereof and all references to the Bonds and the proceedings of the Town relating thereto are qualified in their entirety by reference to the definitive form of the Bonds and such proceedings. THE BONDS Description of tbe Bonds The Bonds will be dated April 15, 2007 and will mature on April 15, in each of the years 2008 to 2030, inclusive, in the principal amounts as set forth on the cover page hereof. The Bonds will be issued in fully registered form and when issued will be registered in the name of Cede & Co. as nominee of The Oepository Trust Company ("OTC"), New York, New York. OTC will act as Securities Depository for the Bonds. Individual purchases of the 'Bonds may be made in book-entry form only, in denominations of $5,000 or integral multiples thereof. Purchasers will not receive certificates representing their interest in the Bonds. Interest on the Bonds will be I?ayable October 15,2007, and semi-annually thereafter on April 15 and October 15, in each year until maturity. PrinCipal and interest will be paid by the Town to OTC, which will in turn remit such principal and interest to its Participants, for subsequent distribution to the Beneficial Owners of the Bonds, as described herein. The Bonds may be transferred in the manner described on the Bonds and as referenced in certain proceedings of the Town referred to therein. The Record Date of the Bonds will be the last business day ofthe month preceding each interest payment date. Optional Redemption The Bonds maturing on or before April 15, 2017 will not be subject to redemption prior to maturity. The Bonds maturing on or after April 15, 2018 will be subjectto redemption prior to maturity, attbe option of the Town, on April 15, 20 I 7 and thereafter on any date, in whole or in part, and if In part, in any order of their maturity and in any amount within a maturity (selected by lot within a maturity), at par, plus accrued interest to the date of redemption. The Bonds shall be redeemable prior to maturity upon the giving of notice which identifies the Bonds to be redeemed, by mailing such notice to the registered holders thereof at their respective addresses as shown upon the registration books of the Fiscal Agent at least 30 days prior to the date set for any such redemption. If notice of redemption shall have been given as aforesaid, the Bonds so called for redemption shall become due and payable at the applicable redemption price on the redemption date designated in such notice, and interest on such Bonds shall cease to accrue from and after such redemption date. Book-entry-only System DTC will act as securities depository for the Bonds (the "Bonds"). The Bonds will be issued as fully- registered Bonds registered in the name of Cede & Co. (OTC's partnership nominee) or such other name as may be requested by an authorized representative of DTC. One fully-registered Bond certificate will be issued for each maturity of the Bonds, each in the aggregate principal amount of such maturity, and will be deposited with DTC. I DTC, the world's largest deposito!)', is a limited-purpose trust company organized under the New York Banking Law, a "banking organization" within the meaning of the New York Banking Law, a member of the Federal Reserve System, a "clearing corporation" within the meaning of the New York UnIform Commercial Code, and a "clearing agency" registered pursuant to the provisions of Section 17 A of the Securities Exchange Act of 1934. DTC holds and proVIdes asset servicing for over 2 million issues of U.S. and non-U.S. equi!r issues, corporate and municipal debt issues, and money market instruments from over 85 countries that DTC s participants ("Direct Participants") deposit with DTC. DTC also facilitates the post-trade settlement among Direct PartiCipants of sales and other securitIes transactions in deposited securities, wough electronic computerized book-entry transfers and pledges between Direct Participants accounts. This eliminates the need for physical movement of securities certificates. Direct Participants include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing corporations, and certain other organizations. DTC is a wholly-owned subsidiary of The Deposito!)' Trust & Clearing Corporation ("DTCC"). DTCC, in turn, is owned by a number of Direct Participants of DTC and Members of the National Securities Clearing Corporation, Government Securities Clearing Corporation, MBS Clearing Corporation, and Emerging Markets Clearing Corporation, (NSCC, GSCC, MBSCC, and EMCC, also subsidiaries of DTCC), as well as by the New York Stock Exchange, Inc., the American Stock Exchange LLC, and the National Association of Securities Dealers, Inc. Access to the DTC system is also available to others such as both U.S. and non-U .S. securities brokers and dealers, banksl trust companies, and clearing corporations that clearthrou~h or maintain a custodial relationship with a Direct Participant, either directly or indIrectly ("Indirect Participants' ). DTC has Standard & Poor's highest rating: AAA. The DTC Rules applicaole to its Participants are on file with the Securities and Exchange Commission. More information about DTC can be found at www.dtcc.com. Purchases of Bonds under the DTC system must be made by or through Direct Participants, which will receive a credit for the Bonds on DTC's records. The ownership interest of each actual purchaser of each Bond ("Beneficial Owner")is in turn to be recorded on the Direct and Indirect Participants' records. Beneficial Owners will not receive written confirmation from DTC of their purchase. Beneficial Owners are, however, expected to receive written confirmations providing details of the transaction, as well as periodic statements of their holdings, from the Direct or Indirect Participantthrough which the Beneficial Owner entered into the transaction. Transfers of ownership interests in the Bonds are to be accomplished by entries made on the books of Direct and Indirect Participants acting on behalf of Beneficial Owners. Beneficial Owners will not receive certificates representing their ownership interests in Bonds, except in the event that use of the book-entry system for the Bonds is discontinued. To facilitate subseguenttransfers, all Bonds deposited by Direct Participants with DTC are registered in the name of DTC's partnership nominee, Cede & Co., or such other name as may be requested by an authorized representative ofDTC. The deposit of Bonds with DTC and their registration in the name of Cede & Co. or such other DTC nominee do not effect any change in beneficial ownership. DTC has no knowledge of the actual Beneficial Owners of the Bonds; DTC's records reflect only the identity of the Direct Participants to whose accounts such Bonds are credited, which mayor may not be the Beneficial Owners. The Direct and Indirect Participants will remain responsible for keeping account of their holdings on behalf of their customers. Conveyance of notices and other communications by DTC to Direct Participants, by Direct Participants to Indirect PartiCipants, and by Direct Participants and Indirect Participants to BenefiCial Owners will be governed by arrangements among them, subject to any statuto!)' or regulato!)' requirements as may be in effect from lime to time. Redemption notices shall be sent to DTC. If less than all of the Bonds within an issue are being redeemed, DTC's practice is to determine by lot the amount of the interest of each Direct Participant in such issue to be redeemed. Payments on the Bonds will be made to Cede & Co., or such other nominee as may be requested by an authorized representative ofDTC. DTC's practice is to credit Direct Participants' accounts upon DTC's receipt of funds and corresponding detail information from the Town, on the payable date in accordance with their respective holdings shown on DTC's records. Payments by Participants to Beneficial Owners will be governed by standing instructions and customal{: practices, as is the case with bonds held for the accounts of customers in bearer form or registered in "street name, , and will be the responsibility of such Participant and not ofDTC nor its nominee, or the Town, subject to any statuto!)' or regulato!)' requirements as may be in effect from time to time. Payments to Cede & Co. (or such other nominee as may be requested by an authonzed representative ofDTC) is the responsibility of the Town, disbursement of such payments to Direct Participants will be the responsibiliry ofDTC, and (jisbursement of such payments to the BenefiCial Owners will be the responsibility of Direct and Indirect Participants. DTC may discontinue providing its services as deposito!)' with respect to the Bonds at any time by giving reasonable notice to the Town. Under such circumstances, in the event that a successor deposito!)' is not obtained, Bond certificates are required to be printed and delivered. The Town may decide to discontinue use of the sy'stem of book-entry transfers through DTC (or a successor securities deposito!)'). In that event, Bond certificates Will be printed and delivered. The information in this section concerning DTC and DTC's book-en!!)' system has been obtained from sources that the Town believes to be reliable, but the Town takes no responsibihty for the accuracy thereof. 2 THE TOWN WILL NOT HAVE ANY RESPONSIBILITY OR OBLIGATION TO PARTICIPANTS, TO INDIRECT PARTICIPANTS OR TO ANY BENEFICIAL OWNER WITH RESPECT TO (I) THE ACCURACY OF ANY RECORDS MAINTAINED BYDTC, ANY PARTICIPANT, OR ANY INDIRECT PARTICIPANT; (II) THEPA YMENTS BY DTC OR ANY PARTICIPANTORINDIRECT PARTICIPANT OF ANY AMOUNT WItH RESPECT TO THE PRINCIPAL OF, OR PREMIUM, IF ANY, OR INTEREST ON THE BONDS; (III) ANY NOTICE WHICH IS PERMITTED OR REQUIRED TO BE GIVEN TO BONDHOLDERS; (IV) THE SELECTION BY DTC OR ANY PARTICIPANT OR INDIRECT PARTICIPANT OF ANY PERSON TO RECEIVEPA YMENT IN THE EVENT OF A PARTIAL REDEMPTION OF THE BONDS; OR (V) ANY CONSENT GIVEN OR OTHER ACTION TAKEN BY DTC AS BONDOWNER. Source: The Depository Trust Company Authorization and Pnrpose The Bonds are being issued pursuant to the Constitution and statutes of the State of New York, including among others, the Town Law and the Local Finance Law, and various bond resolutions duly adopted by the Town Board on their respective dates, authorizing the issnance of serial bonds for various capital projects of the Town. Such projects, and their respective amounts of Bonds to be issued for each, are as follows: Date of Voter Approval Date Authorized 08-26-03 08-28-01 08-23-99 09-01-98 03-13-01 & 11-19-02 09-07-04 11-16-04 02-27-07 02-27-07 11-04-03 11-06-01 11-02-99 11-03-98 N.A. N.A. N.A. N.A. N.A. Amount to Puroose be Issued Open Space Preservation Open Space Preservation Open Space Preservation Open Space Preservation $ 4,000,000 2,000,000 2,000,000 1,987,900 1,200,000 315,000 3,000,000 95,000 52.100 ........................... ........................... . . . . . . . . . . . . . . . . . . . . . . . . . . . ................ ,.. ........ Solid Waste Management District - Land Acquisition .... Payment of Settled Claim .......................... Solid Waste Management District - Transfer Station ..... Acquisition of Excavator ........................... Acquisition of Tractor-Mower . . . . . . . . . . . . . . . . . . . . . . . Total ................................. $14.650.000 A portion of the proceeds of the Bonds, together with available funds in the amount of$I,895,000, will be used to redeem outstanding bond anticipation notes in the amount of $6,41 0,000; the balance of the proceeds of the Bonds will provide original funds for the above referenced projects. For further information regarding bond authorizations of the Town for capital purposes and other matters relating thereto see "Indebtedness of the Town". Security and Source of Payment Each Bond when duly issued and paid for will constitute a contract between the Town and the holder thereof. The Bonds will be general obligations of the Town and will contain a pledge of the faith and credit of the Town for the payment of the principal thereof and the interest thereon. For the payment of such principal and interest, the Town has the power and statutory authorization to levy ad valorem taxes on all taxable real property in the Town without limitation as to rate or amount. Under the Constitution of the State, the Town is reguired to pledge its faith and credit for the payment ofthe principal of and interest on the Bonds, and the State is speCifically precluaed from restricting the power of the Town to levy taxes on real estate therefor. Remedies Upon Default Under current law, provision is made for contract creditors (including the Bondholders) of the Town to enforce payments upon such contracts, if necessary, through court action, although the present statute limits interest on the amount adjudged due to creditors to nine per centum per annum from the date due to the date of payment. As a general rule, property and funds of a municipal corporation serving the public welfare and interest have not been judicially subjected to execution or attachment to satisfy a judgment, although judicial mandates to officials to appropriate and pay judgments out of current funds or the proceeds of a tax levy have been issued. 3 Remedies for enforcement of payment are not expressly included in the Town's contract with holders of its bonds and notes, although any permanent repeal by statute or constitUtional amendment of a Bondholder's remedial right to judicial enforcement of the contract should, in the ~pinion of Bond Counsel, be held unconstitutional. The State has consented that any municipality in the State may file a petition with any United States district court or court of bankruptcy under any provision of the laws of the United States, now or hereafter in effect for the composition or adjustment of municipal indebtedness. Subjectto such consent, under the United States Constitution, Congress has jurisdiction over such matters and has enacted amendments to the existing federal bankruptcy statute, generally to the effect and with the purpose of affording municipal corporations, under certain circumstances, with easier access to judicially approved adjustment of debts, mcludingjudicial control over identifiable and unidentifiable creditors. In recent times, certain events and legislation affecting remedies on default have resulted in litigation. While courts of final jurisdiction have upheld and sustained the rights of bondholders, such courts might hold that future events including financial crises as they may occur in the State and in municipalities of the State require the exercise by the State of Its emergency police powers to assure the continuation of essential services. No princil?al or interest payments on Town indebtedness are past due. The Town has never defaulted in the payment of the prmcipal of and interest on any indebtedness. THE TOWN There follows in this Statement a brief description of the Town, together with certain information concerning its economy and governmental organization, its indebtedness, current major revenue sources and expenditures and general and specific funds. General Information The Town, with a land area of 54.5 square miles, is located in eastern Suffolk County on the north fork of Lon&Island. Settlementtook place in 1640. The Village of Green port is located wholly within the Town. The Town also mcludes the area of Fishers Island which is located approximately twelve miles east of the mainland. Fishers Island is accessible only by water or air with ferry service operating between the Island and New London, Connecticut. . The Town is primarily a ruralresort area with substantial shopping facilities available at Greenport, at various shopping centers within the Town, and at Riverhead just to the west. Some commercial set1Vicesare available within the'rown in the hamlets of Southold,Cutchogue and Mattituck. . Agriculture has been a major industry in the Town since its origins. In recent years, farm crops are gradually evolvin& from basic production to nursery crops including shrubs, sod, potted plants and other ornamentals. A substanttal portion ofthese products are shipped by ferry across Long Island Sound for distribution throughout New England. A number of vineyards have been establIshed and wine-making is an.important industry. Fishing and fish processing are now growing industries due to improved transportation facilities. The Town is also a major summer resort area, utilizing bays, mlets and Long Island and Block Island Sounds. The main highways in the Town are New York State Route 25 and North Road. Rail transportation is provided by the Long Island Rail Road with stations at Mattituck, Southold and Greenport. Ferry service is also available between Onent Point, east of Green port, and New London, Connecticut as well as from Greenport to Shelter Island. Electric service is provided by the Long Island Power Authority; gas service is provided by Keyspan Energy Corporation. Fire protection is the responsibilIty of volunteer fire and fire protection districts. The Town provides its own police protection. In the Village of Green port, electric service and fire protection are provided by the Village. Government Six independently governed school districts are located wholly or rartially within the Town, which rely on their own taxing powers granted by the State to raise revenues. The schoo districts use the Town's assessment roll as their basis for taxation of property located within the Town. Subjecttothe provisions of the State Constitution, the Town operates pursuantto the Town Law, the General Municipal Law, the Local Finance Law, other laws generally applicable to the Town, and any special laws generally applicable to the Town. Under such la~s, there is no authority for the Town to ~ave a <:harter, but pursuant to !he Town Law and other laws generally applIcable to home rule, the Town may from tIme to ttme adopt local laws whIch do not conflict with existing laws as enacted by the State. 4 The legislative power of the Town is vested in the Town Board, which consists of five members, elected for a term offour years, and the Supervisor, who is the chief executive officer of the Town, elected for a term of two years; effective with the term commencing January I, 2008, the term of office of the Supervisor will be four years. Such terms are staggered such that two or three councilmen are elected every two years. All the Town Board members are elected at large and there is no limitation to the number of terms each may serve. Employees The Town provides services through approximately 217 full-time and 59 part-time employees, some of whom are represented by organized labor. The following table presents the number of employees' represented by organized labor, name of union and contract expiration dates. Name of Union Civil Service Employees Assoc. ....................... Police Benevolent Assoc. .. . . . . . . . . . . . . . . . . . . . . . . . . . Approximate Membershio Date Contract Exoires 163 48 12-31-07 12-31-09 ECONOMIC AND DEMOGRAPHIC INFORMATION Population Characteristics The Town has had a population trend, as compared to the County and the State, as indicated below: Year 1970 ..................................... 1980 ..................................... I~O..................................... 2000 ..................................... 2005 ..................................... Town of Southold Suffolk County New York State 16,804 19,172 19,836 20,599 23,344 1,127,030 1,284,231 1,321,977 1,419,369 1,483,396 18,241,391 17,557,288 17,990,455 18,976,457 19,254,630 Source: U.S. Bureau of the Census, Long Island Power Authority. Median Income of Families Town County State 1980 $21,013 24,194 20,180 1990 $43,082 53,247 39,741 2000 $61,108 72,112 51,691 Source: U.S. Department of Commerce, Bureau of the Census. Per Caoita Monev Income 1980 1990 2000 Town County State $8,258 7,576 7,496 $19,037 18,481 16,501 $ 27,619 26,577 23,389 Source: U.S. Department of Commerce, Bureau of the Census. 5 Unemployment Rate Statistics Unemployment statistics are not available for the Town as such. The smallest area for which such statistics are available (wliich includes the Town) is the County of Suffolk. The information set forth below with respect to such County is included for information purposes only. It should not be implied from the inclusion of such aata in this Statement that the Town is necessarily representative of the County or vice versa. Annual Averages: 2002 2003 2004 2005 2006 Source: Department of Labor, State of New York Suffolk County New York State 4.3% 4.3 4.5 4.2 3.9 5.9% 6.2 5.9 5.0 4.5 Selected Listing of Larger Employers Name Eastern Long Island Hospital . . . . . . . . . . . . . . . . . . . . . . . MattItuck-Cutchogue UFSD ....................... Plum Island ADC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Town of South old ............................... Southold UFSD ................................. San Simeon by the Sound ......................... Peconic Landmg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Greenport UFSD ................................ ~ Hospital Public School U.S. Gov!. Facility Local Government Public School Nursing Home Life Care Community Public School Approx. No. of Emolovees 376 330 290 276 194 165 160 137 INDEBTEDNESS OF THE TOWN Constitutional Requirements The New York State Constitution limits the power of the Town (and other municiJ?alities and school districts of the State) to issue obligations and to contract indebtedness. Such constitutional limitatIons include the following, in summary form, as generally applicable to the Town and the Bonds: Purpose and Pledge. The Town shall not give or loan any money or 'p'roperty to or in aid of any individual, or private corporation or prtvate undertaking or give or loan its credit to or in ala of any of the foregoing or any public corporation. The Town may contract indebtedness only for a Town purpose and shall pledge its faith and credit for the payment of principal of and interest thereon. Payment and Maturity. Except for certain short-term indebtedness contracted in anticipation of taxes or to be paid within three fiscal year periods, indebtedness shall be paid in annual installments commencing no later than two years after the date such indebtedness shall have been contracted and ending no later than the expiration of the period of probable usefulness of the object or purpose determined by statute; no installment may be more than fifty per centum in excess of the smallest prtor installment, unless the Town has authorized the issuance of indebtedness having substantially level or declining annual debt service. The Town is required to provide an annual appropriation for the payment of interest due during the year on its indebtedness and for the amounts required in such year for payment of principal on its serial bonds, bond anticipation notes and capital notes. Debt Limit. The Town has the power to contract indebtedness for any Town purpose so long as the principal amount thereof shall not exceed seven per centum of the average full valuation of taxable real estate of the Town and subject to certain enumerated exclUSIOns and deductions such as water and certain sewer facilities and cash or appropriations for current debt service. The Constitutional method for determining full valuation consists of dividing the total assessed valuation of taxable real estate for a specified assessment roll by the final equalization ratio established for such assessment roll by the State Board of Real Property Services (the "State Board"). The State Legislature is required to prescribe the manner by which such ratio shan be determmed. Average fulf valuation is determined by taking the sum of the full valuations of such last completed assessment roll and !he four preceding assessment rolls and dividing such sum by five. 6 There is no constitutional limitation on the amount that may be raised by the Town by tax on real estate in any fiscal year to pay interest and principal on all indebtedness. General. The Town is further subject to constitutional limitation by the general constitutionally imposed duty ofthe State Legislature to restrict the power oftaxation, assessment, borrowing money, contracting indebtedness and loaning the credit of the Town so as to prevent abuses in taxation and assessments and m contracting indebtedness; however, as has been noted under "Security and Source of Payment" the State Legislature is prohibited by a specific constitutional provision from restricting the power of the Town to levy taxes on real estate for the payment of interest on or prmcipal of indebtedness theretofore contracted. Statutory Procedure In general, the State Legislature has authorized the power and procedure for the Town to borrow and incur indebtedness by the enactment of the Local Finance Law subject, of course, to the constitutional provisions set forth above. The power to spend money, however, generally derives from other law, including the Town Law and General Municipal Law of the State. Pursuantto the Local Finance Law, the Town authorizes the incurrence of indebtedness, including bonds and bond anticipation notes issued in anticipation of such bonds, by the adoption of a resolution, approved by at least two- thirds of the members of the Town Board, the fmance board of the Town. Certain of such resolutions may be subject to permissive referendum, or may be submitted to the Town voters at the discretion of the Town Board; m this latter scenario, only a three-fifths vote of the Town Board is required. The Local Finance Law also provides a twenty-day statute of limitations after publication of a bond resolution, which in effect, estops thereafter legal challenges to the validity of obligations authorized by such bond resolution except for alleged constitutional violations. The Town has complied with such procedure with respect to the Bonds. Each bond resolution usually authorizes the construction, acquisition or installation of the object or purpose to be financed, sets forth the plan of financing and specifies the maximum maturity of the bonds subject to the legal (Constitution, Local Finance Law and case law) restrictions relating to the period of probable usefulness with respect thereto. Each bond resolution also authorizes the issuance of bond anticipation notes prior to the sale of serial bonds. Statutory law in New York permits notes to be renewed each year, provided annual principal reductions are made and provided that such renewals generally do not extend five years beyond the original date of borrowing . However, notes issued in anticipation of the sale of serial bonds for assessable Improvements are not subject to such five year limit and may be renewed subject to annual princil'al reductions for the entire period of probable usefulness of the purpose for which such notes were originally Issued. (See "Payment and Maturity" under "Constitutional Requirements," and "Details of Short-Term Indebtedness Outstanding.") In general, the Local Finance Law contains similar provisions l'roviding the Town with power to issue general obltgation revenue and tax anticipation notes and general obligatIOn budget and capital notes. The following tables set forth the computation of debt limit and the calculation of total net indebtedness ofthe Town in accordance with the constitutional requirements hereinabove described. The following pages set forth certain details with respect to the indebtedness of the Town. 7 Computation of Debt Limit and Calculation of Net Debt Contracting Margin (As of March 27,2007) Fiscal Year Ending December 31: State Equalization Rate Assessed Valuation 2003 2004 2005 2006 2007 $ 98,928,528 101,872,561 104,228,885 105,502,965 106,950,027 1.71% 1.49 1.25 1.13 1.04 Total Five Year Full Valuation. . . . . . . .. . .. . .. . . .... . . .... . ... " . .. .. .. .. . . . .. . Average Five Year Full Valuation ............................................. Debt Limit - 7% of Average Full Valuation ...................................... Inclusions: OU~~~j~1JB~i:~s .. ..... ....... .... ..... ...... ..... ................ ... Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Sub-Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Bond Anticipation Notes .................................................... Total Inclusions ........................................................ Exclusions: Cash on fIl!8d for Debt (Grant Proceeds) ..................................... ApproprIatiOns ......................................................... Total Exclusions ........................................................ Total Net Indebtedness Before Issuing the Bonds ................................. The Bonds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Less: BANs to be paid from bond proceeds ...................................... Net Effect ofIssuing Bonds .............................................:.... Total Net Indebtedness After Issuing tbe Bonds .................................. Net Debt Contracting Margin After Issuing tbe Bonds ............................. Percent of Debt Limit Exhausted . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Full Valuation $ 5,785,294,035 6,837,084,630 8,338,310,800 9,336,545,575 10.283.656.442 $40,580,891,482 8,116,178,296 568,132,480 $10,775,000 -0- 10.775.000 8.244.000 19.019.000 1,504,689 1.003.311 $ 2.508.000 15.511.000 14,650,000 4.515.000 10.135.000 25.646.000 $542.486.480 4.51% Trend of Town Indebtedness The following table represents the outstanding indebtedness oftbe Town at the end oftbe last five preceding fiscal years. Fiscal Year Ending December 31 : 2002 2003 2004 2005 2006 Debt Outstanding End of Year: $7,615,000 $6,950,000 $6,515,000 $ 11,349,098 Bonds .................. $12,299,098 Bond Anticipation Notes ... 11.020.709 14.768.302 12.625.600 11.720.000 8.244.000 Total Outstanding Debt ........ $18.635.709 $21.718.302 $19.140.600 $24.019.098 $19.593.098 8 Details of Short-Term Indebtedness Outstanding Bond Anticioation Notes Maturitv Purpose Amount 04-20-07 06-08-07 08-24-07 09-07-07 Various Purposes .......................................... Fishers Island Fel'!)' District. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fishers Island Refuse and Garbage District . . . . . . . . . . . . . . . . Various Purposes .......................................... $6,619,000a 1,625,000 560,000 1.110.000 Total ................................................ $ 8.244.000 a. To be funded from the proceeds of the Bonds and from available funds of the Town. Debt Service Requirements - Ontstanding Bonds Fiscal Year Endin~ Decem er 31: Princioal Interest Total 2007 ....................... $ 979,098 $376,468 $1,355,566 2008 ....................... 995,000 345,309 1,340,309 2009 . . . . . . . . . . . . . . . . . . . . . . . 1,025,000 312,348 1,337,348 2010 ....................... 1,000,000 277,957 1,277,957 2011 ....................... 1,025,000 242,982 1,267,982 2012 . . . . . . . . . . . . . . . . . . . . . . . 940,000 209,413 1,149,413 2013 ....................... 800,000 180,382 980,382 2014 ....................... 815,000 153,083 968,083 2015 . . . . . . . . . . . . . . . . . . . . . . . 810,000 124,535 934,535 2016 ....................... 735,000 98,164 833,164 2017 ....................... 745,000 72,318 817,318 2018 . . . . . . . . . . . . . . . . . . . . . . . 760,000 45,712 805,712 2019 ....................... 320,000 26,020 346,020 2020 ....................... 200,000 15,600 215,600 2021 ....................... 200.000 8.000 208.000 Totals ................... $11.349.098 $2.488.291 $13.837.389 a. Does not included refunded bonds. Calcnlation of Estimated Overlapping and Underlying Indebtedness Alfclicable Ap~licable Overlaflping Date of Percenta~e otal et Unitsa Reoort Aoolica1:i e Indebtedness Indebtedness County of Suffolk ..................... 12-11-06 3.71% $36,425,459 $30,380,486 Village of Green port . . . . . . . . . . . . . . . . . . . 03-10-06 100.00 13,583,997 12,564,797 School Districts: Fishers Island ............. 06-30-06 100.00 455,000 455,000 Greenport ................. 06-30-06 100.00 270,000 270,000 Mattituck-Cutchogue ....... 06-30-06 98.49 29,113,644 25,328,870 New Suffolk Common ...... 06-30-06 100.00 - - Oyster Ponds .............. 06-30-06 100.00 150,000 150,000 Southold ................. 06-30-06 100.00 10,795,000 10,795,000 Fire Districts: Cutchogue . . .. . . . . .. .. . .. . . 12-31-05 100.00 East Marion ............... 12-31-03 100.00 410,683 410,683 Fishers Island .............. 12-31-05 100.00 Mattituck ................. 12-31-05 100.00 Orient................... . 12-31-05 100.00 25,000 25,000 Southold .................. 12-31-05 100.00 1.600.000 1.600.000 $ 97.693.283 $ 86.204.151 a. Does not include refunded bonds. Sources: Annual Financial Reports on file with the Office of the State Comptroller, or more recently published Official Statements. 9 Autborized But Unissued Items The following Bonds are authorized but unissued: Date Authorized Puroose 09-01-98 08-23-99 08-28-01 02-25-03 08-26-03 08-16-05 11-21-06 02-27-07 02-27-07 02-27-07 02-27-07 Acquisition of Rights in Land-Open Space Preservation. . . . . . . . . . . . . . . Acquisition of Rights in Land-Open Space Preservation .............. Acquisition of Rights in Land-Open Space Preservation .............. Mattituck Inlet Shore Erosion Study .............................. Acquisition of RiJl.hts in Land-Open Space Preservation. . . . . . . . . . . . . . . Construction ofN'ew Town Animal Shelter. . . . . . . . . . . . . . . . . . . . . . . . . Improvements to Peconic Recreation Center . . . . . . . . . . . . . . . . . . . . . . . . Acquisition of Air Vacuum Drain Cleaner ......................... Acquisition of Rights in Land-Open Space Preservation. . . . . . . . . . . . . . . Acquisition of Excavator ....................................... Acquisition of Tractor-Mower. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total .. To be funded in whole or in p.rt from the proceeds of the Bonds. Amount $ 2,000,000' 2,000,000' 2,000,000' 82,750 4,000,000' 2,600,000 200,000 278,000 22,500,000 100,00' 60.000' $35.820.750 Capital Program The Town annually adopts a Capital Budget. Projects may be funded by State and Federal aid, reserves, proceeds of obligations, property taxes or a combination thereof. A summary of the Capital Budget for 2007 is set forth below: Deoartment General Town .................................... HiJl.hwayDept .................................... SoTid Waste District ............................... Wastewater Disposal District ....................... Total.......................................... . Sources Appropriations ................................... Grants . .. . .. .. .. . .. . .. .. .. .. . . .. . . .. .. .. . .. . . Town Debt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total 2007 $3,327,428 788,000 465,000 $ 4.580.428 $ 313,261 684, I 67 3.583.000 $ 4.580.428 Landfill Closure and Postciosure Care Costs The Town owns a landfill on a site in the unincorporated area of Cutchogue, commonly known as the Cutchogue Landfill. The Town ceased accepting waste at its Cutchogue Landfill as of October 8, 1993. Placement of the nnal cover, referred to as carping, on the landfill was completed in November 2003. In addition to placement of the final cover on the landfil , state and federal regulations presently require the Town to perform certain maintenance and monitoring functions at the site for up to thirty years. The Town has and will continue to comply with said requirements. The ongoing post closure costs are esttmated to be between $20,000 and $25,000 per year from 2007 through 2009. The Town paid $23,920 for such costs in 2006 and will continue to pay these costs in the future. Actual costs associated with the capping totaled $7,681,720. Financing for closure activities has been provided in part throuJl.h a grant from the New York State Department of Environmental Conservation in the amount of$2,000,000. The balance was provided through a State subsidized loan received in July, 2004 from the New York State Environmental Facilities Corporation. Costs associated with postclosure care will be covered by charges to future users ofthe collection facility and site and future tax revenue. 10 FINANCES OF THE TOWN Financial Statements and Accounting Procedures The Town maintains its financial records in accordance with the Uniform System of Accounts for Towns prescribed by the State Comptroller. The financial records of the Town are audited by mdependent accountants. The last such audit made available for public inspection covers the fiscal year ended December 31, 2005. In addition, the financial affairs of the Town are subject to periodic compliance review by the Office of the State Comptroller to ascertain whether the Town has complied with the requirements of various State and Federal statutes. In June, 1999, the Governmental Accounting Standards Board ("GASB") issued Statement 34, "Basic Financial Statements and Management's Discussions and Analysis for State and Local Governments". This Statement established new financIal reporting requirements for state and local governments throughout the United States. It will required new information and restructuring of much of the information that governments have presented in the past. Comparability with reports issued in all prior years will be affected. GASB required the Town to iD?plement thIS standard for the fiscal year ending December 31, 2003 and the Town has complied with such reqUirements. Fund Structure and Accounts The Town utilizes fund accounting to record and report its various service activities. A fund represents both a legal and an accounting entity which segregates the transactions of specific programs in accordance with special regulations, restrictions or limItations. There are three basic fund types: (I) governmental funds that are used to account for basic services and capital projects; (2) proprietary funds that account for operations of a commercial nature; and, (3) fiduciary funds that account for assets held in a trustee capacity. Account groups, which do not represent funds, are used to record fixed assets and long-term obligations that are not accounted for in a specific fund. The Town presently maintains the following governmental funds: General Fund, Highway Fund and Special Districts Funds, and the Capital Projects Fund. Fiduciary funds consist of a Trust and Agency Fund. There are no proprietary funds. Account groups are maintained for fixed assets and long-term debt. Basis of Accounting The Town's governmental funds are accounted for on a modified accrual basis of accounting. Under the modified accrual baSIS, revenues are recognized when they become susceptible to accrual- that is, when they become "measurable" and "available" to finance expenditures to the current period. Revenues are susceptible to accrual include real property taxes, intergovernmental revenues (State and Federal aid) and operating transfers. Expenditures are generally recognized under the modified accrual basis of accounting, that is when the related fund liability is incurred. An exception to this general rule is unmatured interest on general long-term debt which is recognized when due. Investment Policy Pursuant to State law, including Sections 10 and II of the General Municipal Law (the "GML "), the Town is generally permitted to deposit moneys in banks or trust companies located and authorized to do business in the State. All such deposits, including special time deposit accounts and certificates of deposit, in excess of the amount insured under the Federal Deposit Insurance Act, are required to be secured in accordance with the provisions of and subject to the limitations of Section 10 of the GML. The Town may also temporarily invest moneys in: (I) obligations of the United States of America; (2) obligations guaranteed by agencies of the United States of America where the payment of principal and interest are guaranteed by the United States of America; (3) obligations of the State of New York; (4) with the approval of the New York State Comptroller, in tax anticipation notes or revenue anticipation notes issued by any municipality, school district, or district corporation, other than those notes issued by the Town, itself; (5) certificates of participation issued in connection with installment purchase agreements entered into by political subdivisions of the State pursuant to Section I 09-b( I 0) of the GML; (6) obligations of a New York public benefit corporation which are made lawful investments for municipalities pursuant to the enabling statute of such public benefit corporation; or (7) in the case of moneys held in certam reserve funds established by the Town pursuant to law, in obligations oftbe Town. All of the foregoing investments are required to be payable or redeemable at the option of the owner within such times as the proceeds will be needed to meet expenditures for purposes for which tile moneys were provided and, in the case of obligations purchased with the proceeds of bonds or notes, shall be payable or redeemable in any event, atthe option of the owner, within two years ofthe date of purchase. Unless registered or inscribed in the name 11 of the Town, such instruments and investments must be purchased through, delivered to and held in custody ofa bank or trust company in the State pursuant to a written custodial agreement as provided by Section 10 of the GML. The Town Board has adopted an investment policy and such policy conforms with aJlplicable laws of the State governing the deposit and investment of public moneys. All deposits and investments otthe Town are made in accordance with such policy. Budgetary Procedures The head of each administrative unit of the Town is reguired to file detailed estimates of revenues (other than real property taxes) and expenditures for the next fiscal year With the hudget officer (Supervisor) on or before August 15th. Estimates for each fire district situated within the Town must also be filed with the budget officer by this date. After reviewing these estimates, the budget officer prepares a tentative budget which includes his recommendations. A budll;et message explaining the main features of the budget is also prepared at this time. The tentative budget is filed With the Town Clerk not later than the 30th of September. Subsequently, the Town Clerk presents the tentative budget to the Town Board at the regular or special hearing which must be held on or before October 5th. The Town Board reviews the tentative budget and makes such changes as it deems necessary and that are not inconsistent with the provisions of the law. Following this review Jlrocess, the tentative budget and such modifications, if any, as approved by the Board become the preliminary buaget. A public hearing, notice of which must be duly published in the Town's official newspaper, on the preliminary budget is generally required to be held on the Thursday immediately following the general election. At such hearing, any person may express his opinion concerning the preliminary budget; however, there is no requirement or proVision that the preliminary budget or any portion thereof be voted on by members of the public. After the public hearing, the Town Board may further change and revise the preliminary budget. The Town Board, by resolution, adopts the preliminary budget as submitted or amended no later than November 20th, at which time, the preliminary budget becomes the annual budget of the Town for the ensuing fiscal year. Budgetary control during the year is the responsibility of the Supervisor who is assisted in this area by the Town Comptroller. However, any changes or moaifications to the annual budget including the transfer of appropriations among line items must be approved by resolution of the Town Board. Budget Summaries for the 2006 and 2007 fiscal years may be found in Appendix A. Financial Operations The Supervisor functions as the chief fiscal officer as provided in Section 2 of the Local Finance Law; in this . role, the Supervisor is responsible for the Town's accounting and financial reportiog.actiWties. In addition, the · Supervisor IS also the Town's budget:officer and must therefore prepare theanniml teI1tl1tMrbudget for submission to the Town Board. Pursuant to Section 30 of the Local Finance Law, the Supervisllltw.bclen authorized to issue or renew certain specific types of notes. As required by law, the Supervisor must execute mauthorizing certificate which than becomes a matter of public record. The Town Board, as a whole, serves as the finance board of the Town and is responsible for authorizing, by resolution, all material financial transactions such as operating and capital budgets and bonded debt. Town [mances are operated primarily through the General and Special Revenue Funds. The General Fund receives most of its revenue from real property tax ana State aid. Current operating expenditures are paid from these funds subject to available appropriatIOns. The Town also has refuse, sewer and wastewater distncts, which are accounted for within separate funds. The primary sources of income for these districts comes from special assessments levied against district properties at the same time real estate taxes are levied. Capital projects and equipment purchases are accounted for m special capital projects funds. The Town observes a calendar year (January I through December 31) for operating and reporting purposes. Revenues The Town receives most of its revenues from a real property tax on all non-exempt propel1)r situated within the Town and from State Aid. A summary of such revenues for the five most recently completed fiscal years may be found in Appendix A. Real Property Taxes See "Real Property Tax Information", herein. State Aid The Town is dependent upon financial assistance from the State which comes primarily in the form of a state appropriation for State Aid to municipalities for operating purposes. There is no assurance, however, that the State appropriation for State Aid to municiJlalities will continue, either pursuant to existing formulas or in any form whatsoever and, in any event, if appropriated and apportioned to the Town, payment can be made only if such monies are available therefore. The State IS not constitutionally obliged to maintain or continue such aid. See Appendix A. 12 Expenditures The. major categories .of expenditure for tJle Town are General yovel11Il)ent Support, Public Safety, TransportatIOn, Economic Assistance and OppOrtunity Home and Commumty Services, Cu1ture and Recreation Employee Benefits and Debt Service. A summary or'the expenditures for the five most recently completed fiscal years may be found in Appendix A. Pension Systems Substantiallx. all employees of the Town are members of the New York State and Local Employees' Retirement System ("ERS") or the New York State and Local Police and Fire Retirement System ("PFRS"). (Both Systems are referred to together hereinafter as the "Retirement Systems" where appropriate.) The Retirement Systems are cost-sharing multiple public employer retirement systems. The obligation of employers and employees to contribute and the benefits to employees are governed by the New York State Retirement System and Social Security Law (the "Retirement System Law"). The Retirement Systems offer a wide range of plans and benefits which are related to years of service and [mal average salary vesting of retirement benefits, death and disability benefits and optional methods of benefit pa.Y.IDents. All benetits generally vest after five years of credited service. The Retirement System Law generally provides that all participating employers in each retirement system are jointly and severally liable for any unfunded investments. Such amounts are collected through annual billings to all participating employers. Generally, all employees, except certain part-time employees, participate in the Retirement Systems. The Retirement Systems are non-contrioutory with respect to memliers hired prior to July 27, 1976. All employees who became members on orafter July 27, 1976 must contribute 3% of their gross annual salary towards the cost of their retirement program. Chapter 86 of the Laws of 2000 eliminated the 3% for Tier 3 and Tier 4 members with 10 years of service credit. Due to unfavorable capital market returns over recent years and negative returns in each of the past three years, the State Comptroller lias sent notice to every school district and municipality in New York State that he believes that the retirement contributions will continue to increase in subsequent years. With regard to the Retirement Systems, a pension reform bill was signed by the Governor into Law as Chapter 49 of the Laws of2003. Chapter 49 changed the cycle of billing to match budget cycles of the Town. Under the previous method, the Town was unsure of how much it would have to pay to the system until after its budget was imp1emented. Under the new system the contribution for a given fiscal year will be based on the value of the pension fund on the prior April I instead of the following April I so that the Town will be able to more accurately include the cost of the contnbution into its budget. Chapter 49 requires the Town to make a minimum contribution of 4.5% of payrol.1 every year, including years in which the investment performance of the fund would make a lower 'contributIOn possible. On July 20,2004 the New York State Legislature passed a bill amending the General Municipal Law, Local Finance Law and the Retirement and Social Secunty Law. On July 30, 2004, the vovernor signed the new retirement system legislation into Law as Chapter 260 of the Laws of2004. The bill gives the employer the option to move the annual payment date for contributions from December 15"'to February I ", effective December 15, 2004. It increase,s; from five to ten years, the maximum amortization period of the portIOn of employer contributions that exceeds 7% of payroll for the 2004-2005 fiscal year of the Retirement System (April I - March 31). It also allows employers to issue bonds to finance their 2005-2006 and 2006-2007 fiscal year contributions in excess of 9.5% and 10.5%, respectively. This amortization may be made with the Retirement System or the Town could issue a maximum of 10-year general obligation bonds, the interest on which would be set at prevailing bond market rates on the date of sale and would be taxable for feaeral income tax purposes. For the payment due December 15,2007, it is estimated that the contribution will be approximately I 1.5% of payroll. The Town paid its retirement obligation in full on December 15,2006 and has included its total obligation for the 2006 fiscal year in its current budget. The Town does not plan to amortize its retirement system obligations. While the Town is aware of the potential negative impact on its budget and will take the appropriate steps to budget accordingly for the increase, there can be no assurance that its financial position will not be negatively impacted as a result of the potential increase in such contributions. Contributions to the Retirement Systems F iscal Year Ending December 3 I : Amount of Contribution 2002 ....................................... 2003 ....................................... 2004 ....................................... 2005 ....................................... 2006 ...................................... 2007 (Budget) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 164,287 684,617 1,670, I 02 2,085,137 1,837,992 1,827,000 13 Other Post Employment Benefits It should also be noted that the Town provides post-retirement healthcare benefits to various categories of former employees. These costs may be expected to rise substantially in the future. There is now an accounting rule that will reqUIre governmental enttties, such as the Town, to account for post-retirement healthcare benefits as it accounts for vested pension benefits. GASB Statement No. 45 ("GASB 45") of the Governmental Accounting Standards Board ("GASB"), described below, requires such accounting. Although GASB 45 encourages earlier adoption, implementation is required by the following dates, based on the size of government measured by annual revenue: Annual Revenue Effective for Fiscal Year Ending After: December 15, 2006 December 15,2007 December 15,2008 Greater than $100 million Between $10 million and $100 million Less than $10 million School Districts and Boards of Cooperative Education Services, unlike other municipal units of government in the State, have been prohibited from reducing retiree health benefits or increasing health care contributions received or paid by retirees below the level of benefits or contributions afforded to or required from active employees since the implementation of Chapter 729 of the Laws of 1994. This protection from unilateral reduction of benefits has been extended annually and continued through May 15, 2006 pursuant to Chapter 16 of the Laws of 2006. Legislative attempts to provide similar protection to retirees of other local units of government in the State have not succeeded as of this date. Nevertheless, many such retirees of all varieties of municipal units in the State do presently receive such benefits. GASB 45 and OPEB. OPEB refers to "other post-employment benefits," meaning other than pension benefits, disability benefits and OPEB consist primarily of health care benefits, and may include other benefits such as disability benefits and life insurance. Until now, these benefits have generally been administered on a pay-as-you- go basis and have not been reported as a liability on governmental financial statements. GASB 45 will require municipalities and school districts to account for OPEB liabilities much like they already account for pension liabilities, ~enerally adopting the actuarial methodolo~ies used for pensions, with adjusltnents for the dIfferent characteristtcs of OPEB and the fact that most municipahties and school districts have not set aside any funds againstthis liability. Unlike GASB 27, which covers accounting for pensions, GASB 45 does not require municipalities or school distrIcts to report a net OPEB obligation at the start. Under GASB 45, based on actuarial valuation, an annual required contribution ("ARC") will be determined for each municipality or school district. The ARC is the sum of (a) the normal cost for the year (the present value of future benefits being earned by current employees) plus (b) amortization of the unfunded accrued liability (benefits already eamed by current and former employees but not yet provided for), using an amortization period of not more than 30 years. If a municipality or school dIstrict contributes an amount less than the ARC, a net OPEB obligation will result, which is required to be recorded as a liability on its financial statements. GASB 45 does not require that the unfunded liability actually be amortized nor that it be advance funded, only that the municipality or school district account for its unfunded accrued liability and compliance in meeting its ARC. The Town expects to be in compliance with the requirements ofGASB 45 by or before the applicable effective date. Actuarial valuation will be required every 2 years for OPEB plans with more than 200 members, every 3 years if there are less than 200 members. REAL PROPERTY TAX INFORMATION Real Property Taxes The Town derives a sigoificant portion of its annual revenue through a direct real property tax. The following table presents the total tax levy, by purpose, with adjustments and collection performance for each of the last five fiscal years. 14 Tax Levy and Collection Record Fiscal Year Endin~ December 31: 2004 200 2006 2003 Total Tax Levy. . . . . . . . . . . . . . . . Amount Collected ............. Returned to County Amount .................... Percentage .................. Uncollected at End of Year of Levy ................... $74,603,829 72,211,402 2,392.427 3.20% $89,934,663 86,628,595 3,106,068 3.45% $79,909,681 77,595,985 2,313,696 2.90% $89,495,573 83,356,976 2,138,597 2.39% None None None None a. As of February 6, 2007 2007 $97,216,091 54,175,000" 43,041,091" 44.27%" NA Tax Collection Procedure Property taxes fortbe Town are collected by tbe Town tax receiver. Such taxes are due and payable in equal installments on December I and May 10, but may be paid without penalty by January 10 and May 31, respectively. The penalty added to delinquent taxes is one-twelfth tbe rate of interest determined by tbe State Commissioner of Taxation and Finance. The rate is determined each year by July 15 based on the one-year constant maturity yield index for United States Treasury securities for the quarter-year ending on tbe immediately preceding June 30. The rate is effective for a twelve month period commencing August 1 eacli year and in no event will be less tban ten per centum per annum. The Town receives its full levy before the end ofits fiscal year. Uncollected amounts are not segregated by the Town tax receiver, and any deficiency in tax collection is the County's liability. Tax Rates (Per $100 Assessed Valuation) Fiscal Year Endin~ December 31: 2003 2004 005 2006 2007 General - Townwide ................ General- Outside Village ............ Highway...................... $133.38 3.10 36.59 $139.73 5.43 38.37 $140.37 4.90 40.68 $136.65 4.53 31.12 Large Taxable Propemes 2007 Assessment Roll Name Peconic Landingat Southold ....................... LILCO, LIPA, Marketspan, Keyspan ................. Village of Greenport-Power Planf . . . . . . . . . . . . . . . . . . . . Fishers Island Dev. Corp. .......................... Robins Island Holding LLC . . . . . . . . . . . . . . . . . . . . . . . . . Alan Cardinale .................................. Damianos, Herodotus. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . New York Telephone ............................. Levin Family Limited Partnership . . . . . . . . . . . . . . . . . . . . Anderson, Bradley & Francesca ..................... Norris, Susan .................................... Laurel Links & Country Club ....................... Kimogenor Pt Co. ................................ DriftWoodCove ................................. ~ Commercial Utility Utility Residential Development Private Lands Sqopping Center Vmeyard Utility Motel & Restaurant Farmland & Private Lands Various Properties Country CluD Co-Op Co-Op a. Assessment Roll established in 2006 for levy and collection of taxes during 2007 Fiscal Year. b. Represents approximately 5.57% oflbe total taxable assessed valuation oflbe Town for 2007. 15 $151.02 3.99 39.63 Assessed Valuation $ 1,707,704 1,558,702 585,000 362,000 330,500 285,500 234,000 233,985 148,950 113,800 111,800 96,300 94,600 90.000 $5.952.841 b LITIGATION The Town of South old is subject to a number oflawsuits in the ordinary conduct of its affairs. For the most part, l!llr ~tential adverse decisions in such suits, either individually or in the aggregate, are not likely to have a matena adverse effect on the Town. There are certain matters worthy of special mention: Stanton. at al. v. Town of Southold - This is an action in inverse condemnation and nuisance jly forty-two property owners, allegmg property damage in the form of erosion caused by a Town-owned jetty. The Town is engaged in studies to determme the issues surrounding the alleged erosion, its causes, and possible solutions. Although this case was first filed in 1997, discovery has not been completed. The issues in this case are complex and win require extensive expert testimony. The nature and extent of damages, if any, are unknown at this point. Insurance coverage may be available for potentialliabili!y for alleged compensatory damages. The Town has denied any wrongdoing and intends vigorously to defend any fUrther prosecution of this action. uad Ente rises et al. v. Town of Southold - This action arises from the Town Board of the Town of Southol sa ege re sa to approve a c ange 0 zone app.lication filed by.p.laintiffs, which sought substantially to increase the zonmg density of a parcel ofland owned by a developer plainl1ff. Plaintiffs assert claims under the Fair Housing Act, Americans with Disabilities Act, State and Town Law, allegin,g housing discrimination against senior). handicapped and disabled residents who are also named as "Jane Doe" PIamtiffs. Plaintiffs seek declaratory relier ~antingtheirdesired zoning, as well as compensatory and punitive damages of$5 million eachl respectively, for each of the six federal causes of action. Insurance coverage may be available for potentia liability for alleged c9mpensatory damages. Fact apd expert discovery is proceeding. The Town has denied all wrongdoing and intends vigorously to contest these claims. Notices of Claim - Four noteworthy Notices of Claim have been filed against the Town relating to police matters. Three 01 the matters relate back to events in 2003 or 2004/ none of whiCh have yet ripened into-litigation. In the first claim, claimant. Jason Weber, alleged that he sufferea physical injury, emotional injury, and loss of earnings by virtue of the alfeged excessive force used by Town police officers in t1ieir arrest of claimant. Claimant has subsequently been conVicted of driving while intoxicated, an underlying crime leading to the arrest at issue. Claimant demanded $20 million, but has not served the Town with any lawsuit. In the second claim, the same claimant demanded $2 million as a result of a traffic stop whereby claimant was ticketed for driving with a susp.ended license. In that instance, claimant alleged emotional itijuries and loss of employment due to alle,ged false imprisonment, and violation of his civil rililits. Claimant has not served the Town with any lawsuit relatmg to this matter. In the third claim, claimant Mark ffraziller demanded $5 million for alleged "hysical and emotionalmjuries and civil rights violations arising out of a traffic stop. Claimant has not served the Town with any lawsuit relating to this matter. Insurance coverage may be available m these matters for Ilotentialliability for alleged compensatory damages. The Town denies any wrongdoing in these matters, and intends vigorously to contest these claims in the event that lawsuits are instituted arising out ofthese allegations. The statute oflimitations for state law claims has nm on each of these matters; the Federal statute of limitations has run on the first and third claims; and as of yet the Town has not been served with notice of any filed lawsuit. In the fourth Notice of Claim, Kenneth MacAlpin demands $5 million in damages for physical, emotional and civil rights iniuries related to an alleged incident, lielieved to be an arrest by Town police officers "on or about February 21, 2007 and prior arrests." The Town is not aware of any details of this pUIJlorted claim, and intends vigorously to contest it both prior to and after the institution of a lawsuit, if any is ever rued and served. BONDHOLDER RISKS AND MARKET FACTORS AFFECTING FINANCINGS OF THE STATE AND MUNICIPALITIES OF THE STATE There are certain potential risks associated with an investment in the Bonds and investors should be thoroughly familiar with thiS Official Statement, including its appendices, in order to make an informed investment decision. Investors should consider, in particular, the folIowing factors: The Town's credit rating could be affected by circumstances beyond the Town's control. Economic conditions such as the rate of unemployment and inflation, termination of commercial operations by cOrll9rate taxpayers and emllloyers, as well as natural catastrophes, could adversely affect the assessed valuation of Town property and its aliility to maintain fund balances and other statistical indices commensurate with its current credit rating. Accordingly, a decline in the Town's credit rating could adversely affect the market value of the Bonds. In addition, if and when a holder of any of the Bonds should elect to sell a Bond prior to its maturity, there can be no assurance that a market shall have been established, maintained and be in existence for the purchase and sale of any Bonds. The price or principal value of the Bonds is dependent on the prevailing level of mterest rates. If interest rates should increase, tIte price of a bond ornote may dechne causing the bond or noteholder to potentially incur a capital loss if such bond or note is sold prior to its maturity. The financial condition of the Town as well as the market for the Bonds could be affected by a variety of factors, some of which are beyond the Town's control. There can be no assurance that adverse events in the State, including, for example, the seeking bya municipality of remedies pursuant to the Federal Banlmtptcy Act or otherwise, will not occur which might affect the market price of and the market for the Bonds. If a significant default or other financial crisis should occur in the affairs of the State or any of its agencies or political subdivisions thereby further impairing the acceptability of obligations issued by borrowers withm the State, both the ability of the Town 16 to arrange for additional borrowings and the market for and market value of outstanding debt obligations, including the Bonas, could be adversely affected. Future amendments to applicable statutes affecting the treatment of interest paid on municipal bonds including the Bonds, for income taxation purposes could have an adverse effect on the market value of the Bonds (se~ "Tax Matters" herem). TAX MATTERS Opinion of Bond Counsel In the opinion of Hawkins Delafield & Wood LLP, Bond Counsel to the Town, under existin,g statutes and court d~cisions and assuming c~ntinuing complianc~ with certain tax covenants described herein, (i) mterest on the Bonds IS excluded from gross Income Tor Federal Income tax purposes pursuant to Section 103 of the Internal Revenue Code of 1986, as amended (the "Code"), and (ii) interest on the Bonds is not treated as a preference item in calculating the alternative minimum tax imposed on mdividuals and corporations under the Code; such interest, however, is mcluded in the adjusted current earnings of certain corporations for purposes of calculating the alternative minimum tax imposed on such corporations. In rendering its opinion, Bond Counsel has relied on certain representations, certifications of fact, and statements of reasonable expectations made by the Town in connection WIth the Bonds, and Bond Counsel has assumed compliance by the Town with certain ongoing covenants to comp'ly with applicable requirements of the Code to assure the exclusIOn of interest on the Bonds from gross income uniler Section 103 of the Code. In addition./)n the opinion of Bond Counsel to the Town, under existing statutes, interest on the Bonds is exempt from New r ork State and New York City personal income taxes. Bond Counsel expresses no opinion regarding any other Federal or state tax consequences with respect to the Bonds. Bond Counsel renders its opinion under existing statutes and court decisions as of the issue date, and assumes no obligation to update its opimon after the issue date to reflect any future action, fact or circumstance, or change in law or interpretation, or otherwise. Bond Counsel expresses no opinion on the effect of any actIOn hereafter taken or not taken in reliance upon an opinion of other counsel on the exclusion from gross income for Federal income tax purposes of interest on the Bonds, or under state and local tax law. Certain Ongoing Federal Tax Requirements and Covenants The Code establishes certain ongoing requirements that must be met subsequent to the issuance and delivery of the Bonds in order that interest on the 130nds be and remain excluded from gross Income under Section 103 of the Code. These requirements include, but are not limited to, requirements relating to use and expenditure of gross proceeds of the Bonds, yield and other restrictions on investments of gross proceeds, and the arbitrage rebate requirement that certain excess earnings on grossproceeds be rebated to the Feaeral government. Noncompliance with such requirements may cause interest on the Bonds to become included in gross income for Federal income tax purposes retroactive to their issue date, irrespective of the date on which such noncompliance occurs or is discovered. The Town has covenanted to comply with certain applicable requirements of the Code to assure the exclusion of interest on the Bonds from gross income under Sectton 103 of the Code. Certain Collateral Federal Tax Consequences The following is a brief discussion of certain collateral Federal income tax matters with respect to the Bonds. It does not purport to address all aspects of Federal taxation that may be relevant to a particular owner of a Bond. Prospective investors, particularly those who may be subject to specIal rule~ are advised to consult their own tax advisors regarding the Federal tax consequences of owning and disposing or the Bonds. Prosp.ective owners of the Bonds should be aware that the ownership of such obligations may result in collateral Feileral income tax consequences to various categories of persons, such as cOrPorations (including S cOJ]Jorations and foreign corporations), financial institutions, property and casualty and life insurance companIes indIvidual recip.ients of Social Security and railroad retirement benefits, individuals otherwise eligible for the earned income tax creilit, and taxpayers deemed to have incurred or continued Indebtedness to purchase or carry obligations the interest on which is excluded from gross income for Federal income tax (lurposes. Interest on the Bonds may be taken into account in determining the tax liability of foreign corporations subject to the branch profits tax imposed by Section 884 ofthe Code. Original Issue Discount "Original issue ~iscounr:' ("OID") i~ the excess of the sum 9f all amounts payable at the stated maturity of a Bond (excluding certaIn "guahfied sf!tted mterest" that I~.uncond!tt~~ally payab.Ie at least annually a~ prescr~ed rates) over the issue frice onhat matunty. In general, the Issue pnc~ ofa matunty means the first pnce at ~h.lch a substantial amoun of the Bonds of that maturity was sold (excludIng sales to bond houses, .brokers, or simIlar persons acting in the capacity as underwrit~r~,placem~nt age":ts, or ~holesalers). In general, the Issue pnce for ea~h maturity of Bonds is expected to be the ImtIaI pubhc offerIng pnce set forth on the cover page or the OffiCIal Statement. Bond Counsel further is of the opinion that, for any Bonds having OID (a "Discount 13ond"), OID that 17 has accrued and is properly allocable to the owners of the Discount Bonds under Section 1288 of the Code is excludable from gross mcome for Federal income tax purposes to the same extent as other interest on the Bonds. In general, under Section 1288 of the Code, OID on a Discount Bond accrues under a constant yield method, based on periodic compounding of interest over prescribed accrual periods using a comj)ounding rate determined by reference to the yield on that Discount Bond. All owner's adjusted basis in a Discount Bond is increased by accrueo OID for purposes of determining gain or loss on sale, exchange, or other disposition of such Bond. Accrued OID may be taken into account as an increase in the amount of tax-exempt income received or deemed to have been receiveo for purposes of determining various other tax consequences of owning a Discount Bond even though there will not be a corresponding cash payment. Owners of Discount Bonds should consult their own tax advisors with respect to the treatment of original issue discount for Federal income tax purposes; including various special rules relating thereto, and the state and local tax consequences of acquiring, holding, and oisposing of Discount Bonds. Bond Premium In general, if an owner acquires a Bond for a purchase price (excluding accrued interest) or otherwise at a tax basis tliat reflects a ,premium over the sum of all amounts payable on the Bond after the acquisition date (excluding certain "qualitled stated interest" that is unconditionally payable at least annually at prescribed rates). that premium constitutes "bond premium" on that Bond (a "Premium Bond"). In general, under Section 171 of the Code an owner of a Premium Bond must amortize the bona premium over the remaming term of the Premium Bond, based on the owner's yield over the remaining term of the Premium Bond determined based on constant yield principles (in certain cases involving a Premium Bond callable prior to its stated maturity date, the amortization period and Yield may be required to be determined on the basis of an earlier call date that results in the lowest yield on such bond). An owner of a Premium Bond must amortize the bond premium by offsettin,g the qualified stated interest allocabfe to each interest accrual period under the owner's regular method of accountmg against the bond premium allocable to that period. In the case of a tax-exempt Premium Bond, if the bond premium allocable to an accrual p'eriod exceeds the qualified stated interest allocable to that accrual period, the excess is a nondeductible loss. Under certain circumstancesl the owner of a Premium Bond may realize a taxable gain upon disposition of the Premium Bond even though it is so d or redeemed for an amount less than or equal to tlie owner's onginal acquisition cost. Owners of any Premium Bonds s~ould ~onsult .their owl"! tax advisors .regarding the treatment of bond premium for Feder!!l income tax pU!"poses, mcludmg varIOus special rules relatmg thereto, and state and local tax consequences, m connection willi the acquisition, ownership, amortization of bond premIUm on, sale, exchange, or other disposition of Premium Bonds. Backup Withholding Under the Code, interest on tax-exempt obligations paid after March 31, 2007, including interest on the Bonds, is subject to "backup withholding" if the recipient of the interest does not complete a Form W-9 Request for Taxpayer Identification Number and Certification, or otherwise provide to the payor (i.e., the financial institution paying the interest on behalf of the Town a taxpayer identification number). "Backup Withholding" means that tlie payor is required to deduct and withhold a tax from the interest payment, calculated in the manner set forth in the Cooe. In general, it is expected that owners purchasing the Bonds through a brokerage account will have executed a Form W-9 in connection with the establishinent of such account so that no backup withholding will occur. The backup withholding requirement does not affect the excludability of the interest on llie Bonds from gross income for federal income tax purposes. Any amounts withheld pursuant to backup withholding would be allowed as a refund or a credit against tlie owner's federal income tax once the required information is furnished to the Internal Revenue Service. Legislation Legislation affecting municipal bonds is regularly under consideration by the United States Congress. There can be no assurance that legislation enacted or proposed after the date of issuance of the Bonds will not have an adverse effect on the tax-exempt status or market pnce ofthe Bonds. DOCUMENTSACCOMP~GDELnffiRYOFTHEBONDS Absence of Litigation URon delivery of the Bonds the Town shall furnish a certificate ofthe Town Attorney, dated the date of delivery of the Bonds, to the effect that there is no controversy or litigation of any nature pendmg or threatened to restrain or enjoin the Issuance:" sale, execution or delivery of the Bonos, or in any way contesting or affecting the validity of the Bonds or any or the proceedings taken willi respect to the Issuance and sale thereof or the application of moneys to the paYfi.lent of the Bonds, and fUrther stating that there is no controversy or litigation of any nature now pending or threatened by or against the Town wherein an adverse judgment or ruling could'have a material adverse Impact on !he financial conditIon of the Town or adversely affect the power of the Town to levy collect and enforce the collectIOn of taxes or other revenues for the payment of the Bonds, which has not been disclosed in this Official Statement. 18 Legal Matters Legal matters incident to the authorization issuance and sale of the Bonds will be subject to the final allProving opinion of Hawkins Delafield & Wood LLp, Bond Counsel. Such opinion will be available at the time of delivery of the Bonds and will be to the effect that the Bonds are valid and legally binding general obligations of the Town for which the Town has validly pledged its faith and credit and, unless paid from other sources all the laxable real properlY wit~iI~ th!l Town is subject to the.1evy.of ad valorem real estate taxes to pay the Bo~ds and mterest thereon Wltliout hmltatlOn of rate or amount. Said opmlOn shall also contain further statements to the effect that I a) the enforceability of rights orremedies with respectto such Bonds may be limited by bankruptcy insolvency or other laws affecting creditors' rights or remedies heretofore or hereafter enacted, and (b) said law flrm'has not been requested to examine or review and has not examined or reviewed the accuracy or sufficiency of the Official State~~nt, or any additiona.l procee~lings ~ports, correspond!lnce, financial statements C!r other documents, contammg financial or other mformahon relatIve to the Town which have been or may be furmshed or disclosed to purchas~rs of the Bonds, and expresses no opinion with respect to such financial or other information, or the accuracy or suffiCiency thereof. Closing Certificates Upon the delivery_of the Bonds, the Purchaser will be furnished with the following items: (i) a Certificate of the Supervisor to the efiect that as of the date of this Official Statement and at all times subsequent thereto, up to and including the time of delivery of the Bonds, this Official Statement did not and does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements herein, in the light of the circumstances under which they were made, not misleading, and further stating that there has been no aaverse material change in the financial condition of the Town since the date ofthis Official Statement up to and including the time of delivery of the Bonds, and having attached thereto a copy of this Official Statement; (ii) a Certificate signed by the Supervisor evidencing payment for the Bonds; (iii) a Signature Certificate evidencing the due execution of the Bonds, including statements tliat la) no litigation of any nature is pending or threatened, restraining or enjoining the Issuance and delivery ofthe llonds or the levy and collection of taxes to pay the principal of and interest thereon, nor in any manner questIOning the proceedings and authority under which tlie Bonds were authorized or affecting the validity of the gonds thereunder, (b) neither the corporate existence or boundaries ofthe Town nor the title of any of the officers thereof to their respective offices is being contested, and (c) no authority or proceedings for the issuance of the Bonds have been rel'ealed; revoked or rescinded; and (iv) an Arbitrage and1Jse of Proceeds Certificate executed by the Supervisor, as descrioed under "Tax Matters". DISCLOSURE UNDERTAKING This Official Statement is in a form "deemed final" by the Town for the purposes of Securities and Exchange Commission Rule 15c2-12. At the time of the delivery of the Bonds, the Town will provide an executed copy of Its "Undertaking to Provide Continuing Disclosure" (the "Undertaking"). Said Undertaking will constitute a written agreement or contract of the Town for the benefit of holders of and owners ofbeneficiarinterests in the Bonds, to provide, or cause to be provided: (I) during any succeeding fiscal year of the Town in which the Bonds are outstanding to (a) each nationally recognized municipal securities information repository ("NRMSIR") and (b ) the New V ork State Information Del'ository, if created, ("SID"), (i) certain annual financial information, in a form generally consistent with the information contamed or cross-referenced in this Official Statement under the-headings: "The Town"j "Economic and Demogra/;'hic Information","Indebtedness of the Town", "Finances oftlie Town", "Rea Property Tax informatIOn, and "Litigation"; and in Appendix A, on or prior to the I 80th day following the end of each fiscal year, including Iii) the audited financial statement, if any, for the preceeding fiscal year of the Town, unless such audited financial statement, if any, shall not then be available in whICh case the unaudited financial statement shall be provided and an audited financial statement shall be delivered to each NRMSIR and to the SID within 30 days after it becomes available and in no event later than 360 days after the end of each fiscal year; (2) to (a) each NRMSIR, or to the Municipal Securities RulemakingBoard ("MSRB"), and to (b) the SID, timely notice of the occurrence of any of the following events with respect to the Bonds, if material: (i) I'rincipal and interest paY!llent delinquencies: Iii) non-payment related defaults; (iii) unscheduled draws on debt service reserves reflecting financial difficulties; (iv) unscheduled draws on credit enhancements reflecting financial difficulties; (V) substitution of credit or hquidity providers, or their failure to perform; (vi) adverse tax o~'nions or events affecting the tax-exempt status oftfle Bonds; (vii) modifications to rig!1ts of Bondholders; viii) bond calls; (ix) defeasances; (x) release, substitution, or sale of property securmg repayment of the onds; and (xi) rating changes. The Town may provide notice of the occurrence of certain other events, in addition to those listed above, if it determines that any such other event is material with respect to the Bonds; but the Town does not undertake to commit to provide any such notice of the occurrence of any material event except those events listed above; and (3) to (a) each NRMS~ or to the MSRB, and to (b) the SID, in a timely manner, notice ofa failure to provide the annual financial mformation by the date specified. 19 The Town's Undertaking shall remain in full force and effect until such time as the principal of redemption premiums, if any, and interest on the Bonds shall have been paid in full. The sole and exclusive remedy for breach or default under the Undertaking is an action to compel specific perfonnance of the undertakings of the Town, and no person or entity, including a liolder of the Bonds, snail be entitled to recover monetary damages thereunder under any circumstances. Any failure by the Town to comply with the Undertaking will not constitute a default with respect to the Bonds. The Town reserves the right to amend or modifY the Undertaking under certain circumstances set forth therein provided that any such amendment or modification will be done in a manner consistent with Rule 15c2-12 as then m effect. The Town is in compliance with all previous undertakings made pursuant to Rule 15c2-12. BOND RATING Moody's Investors Service, Inc., will assign their municipal bond rating of"Aaa" respectively, to this issue of Bonds with the understanding that up'on delivery of the Bonds, a policy insurin,g the payment when due of the principal of and interest on the lfonds Will be issued by Ambac Assurance CorporatIOn. Such rating reflect only the views of such rating agency! and any desired explanatIOn of the sigl)ificance of such rating should 6e obtained from such rating agency. Genera Iy, a ratmgagency oases its ratin~ on the infonnation and materials furnished it and on investigatIon, studies and assumptionsby the rating agency. There is no assurance that a particular rating will apply for any given period of time or that it will not be lowered or withdrawn entirely if, in the judgment onhe agency originally establishing the rating, circumstances so warrant. The underwriter lias undertaken no responsibiTIty to bring to the attention of the holders of the Bonds any proposed revision or withdrawal. Any downward revision or witharawal of such rating, or either of them, could have an adverse effect on the market pnce of the Bonds. Such rating should not be taken as a recommendation to buy or hold the Bonds. FINANCIAL ADVISOR Munistat Services, Inc. has assisted the Town as financial advisor in certain matters with respect to the sale and issuance of the Bonds. ADDITIONAL INFORMATION Additional information may be obtained upon request from the office of the Town Comptroller, Town of Southold, Town Hall, P.O.B. 1179, Southold, New York I 1971, telephone number 631/765-4333, or from the office of Munistat Services, Inc., 12 Roosevelt Avenue, Port Jefferson 1itation, New York 11776, telephone number 6311331-8888 and website: http://www.munistat.com. Any statements in this Official Statement involving matters of opinion or estimates> whether or not expressly so stated, are intended as such and not as representations of fact. No representation IS made that any of such statements will be realized. This Official Statement is not to be construed as a contract or agreement between the Town and the original purchasers or holders of any of the Bonds. This Official Statement is submitted only in connection with the sale of the Bonds by the Town and may not be reproduced or used in whole or in part for any other purpose. TOWN OF SOUTHOLD, NEW YORK By: s/s SCOTT A. RUSSELL Town Supervisor and Chief Fiscal Officer March 27, 2007 20 Balance Sheet General Fund Fiscal Year Ending December 31 : 2003 2004 2005 ASSETS Cash and Investments $ 8,436,782 $ 10,081,581 $ 9,292,437 Cash - Restricted 0 0 0 Taxes Receivable 0 0 0 Accounts Receivable 1,168 85,426 24,533 Due From Other Funds 15,107 320,243 176,390 Due From Trust Funds 342,253 73 68 State and Federal Aid Receivables 13,195 56,357 8],849 Due From Other Governments 1]2,471 1,537,312 1,867,136 Supply Inventory 1,296 1,487 1,204 Prepaid Expenses 69,865 526,857 498,344 Deposit 10,000 2,219 0 Total Assets $ 9,002,137 $ 12,611,555 $ 11,941,961 LlABILlTlES AND FUND EQUITY Accounts Payable $ 792,860 $ 1,052,240 $ 627,049 Due to Other Funds 426,211 1,625,700 1,888,241 Due to Other Governments 0 388,944 393,570 Due to Trust Funds 595 4,248 7,044 Due to Compnent Units 0 0 0 Deferred Revenues 2,463,059 2,900,729 3,018,595 Total Liabilities 3,682,725 5,971,861 5,934,499 Fund Balances - Reserved: Insurance claims 1,033,085 1,234,066 1,105,879 Encumbrances 71,342 4,009 Supply Inventory 1,296 1,487 1,204 Prepaid Expenses 69,865 526,857 498,344 Fund Balances - Unreserved: Designated - Ensuing Year's Budget 2,008,000 1,978,987 2,657,200 Undesignated 2,207,166 2,826,955 1,740,826 Total Fund Equity 5,319,412 6,639,694 6,007,462 Total Liabilities and Fund Equity $ 9,002,137 $ 12,611,555 $ 11,941,961 Sources: Audited Financial Reports of the Town Table itself NOT audited. A-I Statement of Revenues, Expenditnres and Fnnd Balance Highway Fnnd Fiscal Year Ended December 31: 2001 2002 2003 2004 2005 Revenues: Real Property Taxes $ 3,165,059 $ 3,428,570 $ 3,513,902 $ 3,520,332 $ 3,805,032 Other Real Property Tax Items 6,028 11 ,885 6,428 3,679 9,046 Non.Property Tax items 396 3,098 0 0 Intergovernmental Charges 116,821 0 15,573 0 0 Use of Money & Property 79,827 34,626 18,520 23,884 77,817 Licenses & Permits 5,887 ]0,351 8,231 4,937 11,126 Sale of Property & Compo for Loss 9,593 0 4,033 2,960 2,796 Miscellaneous Local Sources 1,416 25,937 0 16 155,054 Interfund Revenues 8,517 4,852 0 0 0 State Aid 223,305 0 458,686 228,337 188,147 Federal Aid 0 0 67,699 0 0 3,616,849 3,519,319 4,093,072 3,784,145 4,249,018 Expenditures: Transportation 3,076,012 2,550,776 2,733,5] 8 2,638,121 2,913,768 Employee Benefits 281,070 340,172 976,406 415,102 500,343 Debt Service 97,594 88,544 15,128 22,219 178,371 Total Expenditures 3,454,676 2,979,492 3,725,052 3,075,442 3,592,482 Excess (Deficiency) of Revenues Over Expenditures 162,173 539,827 368,020 708,703 656,536 Residual Equity Transfer Operating Transfers In 0 0 0 0 0 Operating Transfers Out (380,965) (433J2.Il _ (60,0~0) (690,390) (520,085) Total Other Financing Sources (Uses) (380,965) --..L433,271) (60,000) (690,390) (520,085) Excess (Deficiency) of Revenues and Other Sources Over Expenditures and Other Uses (218,792) 106,556 308,020 18,313 136,451 Fund Balance Beginning of Year 706,300 487,508 594,064 902,084 920,397 -~- Fund Balance End of Year $ 487,508 $ 594,064 $ 902,084 $ 920,397 $ 1,056,848 Sources: Audited Financial Reports of the Town Table itself NOT audited. A.3 Statement of Revenues, Expenditures and Changes in Fund Balance Non-Major Governmental Funds (1) Fiscal Year Ending December 3] : 2001 2002 2lm 2illM 2QQ,l Revenues: Real Property Taxes $ 1,584,261 $ 1,465,060 $ 2,] 97,525 $ 2,506,945 $ 2,38],335 Other Real Property Tax Items 1,037 1,495 874 3,]05 2,5]6 Non-Property Tax Items 97,680 110,225 ] 17,449 336,139 213,786 Departmental Income 2,125,493 2,931,896 2,339,227 2,5] 7,584 2,504,880 Intergovernmental Charges ] 8,444 1,400 ],6]4 ],013 ],013 Use of Money & Property 88,750 35,650 18,147 2],365 64,092 Licenses & Permits 139,615 139,295 139,620 199,849 ]65,965 Fines and Forfeitures 0 0 49,000 0 0 Sale of Property & Comp, for Loss 76,928 29,772 44,450 76,069 ]09,137 Miscellaneous Local Sources 13,462 ] 1,423 230 5,025 153,591 Interfund Revenues 2,274 0 0 0 0 State Aid 102,353 72,935 161,393 72,65] 75,374 Federal Aid 210,644 1]9,380 1] 1,299 ] 66,368 224,136 4,460,94 ] 4,918,531 5,180,828 5,906,113 5,895,825 Expenditures: General Government Support 42,052 42,783 134,969 92,514 99,895 Public Safety 786,25 ] 875,307 749,904 739,]98 807,474 Public Health 5,924 6,]61 6,408 6,664 6,864 Home & Community Services 0 0 3,230,201 3,225,586 3,]02,639 Culture and Reccreation 2,872,654 2,973,763 0 0 0 Employee Benefits ] 88,543 226,380 874,049 37] ,038 444,858 Debt Service 314,869 624,315 1]7,562 88,803 671,720 Total Expenditures 4,210,293 4,748,709 5,113,093 4,523,803 5,133,450 ~-- .. Excess (Deficiency) of Revenues Over Expenditures 250,648 169,822 67,735 1,382,310 762,375 Operating Transfers In 0 0 0 0 0 Operating Transfers Out (491,624) (375,055) _ (48~)00) (1,081,44 I) (504,720) Total Other Financing Sources (Uses) (491,624) J375,055) (483,500) (1,081,441) _ (504,7~2 Excess (Deficiency) of Revenues and Other Sources Over Expenditures and Other Uses (240,976) (205,23.3.) ____(:1l2:765) 300,869 257,655 .-~ Fund Balance Beginning of Year 1,707,548 1,466,572 1,26] ,339 845,574 1,146,444 Fund Balance End of Year $ 1,466,572 $ ] ,261 ,339 $ 845,574 $ 1,146,443 $ 1,404,099 -- -- (I) Includes the following funds: General Fund Part Town, Special Grant Fund, East-West Fire Protection Fund, Southold Wastewater District, Fishers Island Sewer District and Solid Waste Management District. Sources: Audited Financial Reports of the Town Table itself NOT audited. A-4 BUDGET SUMMARY Fiscal Year Ending December 31, 2006 Appropriations Less: Less: and Provisions Estimated Unexpended Amount to be Fund for Other 1 f ses Revenues !W= Raised bv Tax General $ 22,209,199 $ 4,679,263 $ 2,657,200 $ 14,872,736 General-Outside Village 1,795,416 958,174 344,246 492,996 Highway-Townwide 0 100 16,000 (16,100) Highway-Outside Village 4,769,679 318,332 339,900 4,111,447 Community Development 159,000 159,000 0 0 Risk Retention fund 1,055,000 1,055,000 0 0 Community Preservation Fund 4,606,000 4,606,000 0 0 Employees Health Plan 2,411,400 2,036,400 375,000 0 Total-Town $ 37,005,694 $ 13,812,269 $ 3,732,346 $ 19,461,079 East-West Fire Protection District 464,393 2,000 4,350 458,043 Fishers Island Ferry District 2,389,000 1,989,000 0 400,000 Solid Waste Management District 4,031,733 2,096,200 168,000 1,767,533 Southold Wastewater District 111,790 14,000 75,000 22,790 Fishers Island Sewer District 20,000 17,700 2,300 0 F.1. Refuse & Garbage District 563,500 0 0 563,500 Orient Mosquito District 76,285 0 0 76,285 Subtotal-Special Districts $ 7,656,701 $ 4,118,900 $ 249,650 $ 3,288,151 Orient-East Marion Park District 27,655 37 0 27,618 Southold Park District 315,000 0 0 315,000 Cutchogue-New Suffolk Park Dist. 141,000 0 0 141,000 Mattituck Park District 504,910 18,800 60,000 426,110 Subtota'I-Park Districts $ 988,565 $ 18,837 $ 60,000 $ 909,728 Fishers Island Fire District 343,300 3,300 0 340,000 Orient Fire District 356,540 2,000 0 354,540 East Marion Fire District 427,342 8,640 0 418,702 Southold Fire District 1,358,392 21,000 0 1,337,392 Cutchogue Fire District 1,413,000 1,400 0 1,411,600 Manituck Fire District 1,818,135 0 0 1,818,135 Subtotal-Fire Districts $ 5,716,709 $ 36,340 $ 0 $ 5,680,369 Total-All Districts 14,361,975 4,174,077 309,650 9,878,248_ Grand Total $ 51.367,669 $ 17,986 346 $ 4,04 \,996 $ 29,339,327 Source: Annual Budget of the Town. A-5 BUDGET SUMMARY Fiscal Year Ending December 31, 2007 Appropriations Less: Less: and Provisions Estimated Unexpended Amount to be Fund for Other 1 Jses Revenues Balance Raised bv Tax General $ 22,951,102 $ 4,810,191 $ 1,935,000 $ 16,205,911 General-Outside Village 1,869,139 1,002,600 459,000 407,539 Highway-Townwide 0 600 16,900 (17,500) Highway-Outside Village 4,938,330 406,635 486,500 4,045,195 Community Development 136,000 136,000 0 0 Risk Retention Fund 1,015,000 1,015,000 0 0 Community Preservation Fund 10,697,328 5,350,000 5,347,328 0 Employees Health Plan 2,662,000 2,412,000 250,000 0 T alai-Town $ 44,268,899 $ 15,133,026 $ 8,494,728 $ 20,641,145 East-West Fire Protection District 509,828 4,600 6,228 499,000 Fishers Island Ferry District 3,038,000 2,448,000 0 590,000 Solid Waste Management District 4,058,562 2,151,500 0 1,907,062 Southold Wastewater District 128,316 10,020 100,000 18,296 Fishers Island Sewer District 20,000 17,700 2,300 0 F.I. Refuse & Garbage District 512,300 0 0 512,300 Orient Mosquito District 82,235 0 0 82,235 Subtotal-Special Districts $ 8,349,241 $ 4,631,820 $ 108,528 $ 3,608,893 Orient-East Marion Park District 30,695 0 0 30,695 Southold Park District 315,000 0 0 315,000 Cutchogue-New Suffolk Park Dist. 145,000 0 0 145,000 Mattituck Park District 540,027 22,500 50,000 467,527 Subtotal-Park Districts $ 1,030,722 $ 22,500 $ 50,000 $ 958,222 Fishers Island Fire District 357,300 3,300 0 354,000 Orient Fire District 401,040 2,000 0 399,040 East Marion Fire District 490,600 12,200 0 478,400 Southold Fire District 1,512,875 33,540 0 1,479,335 Cutchogue Fire District 1,412,500 1,400 0 1,411,100 Mattituck Fire District 1,857,967 0 0 1,857,967 Subtotal.Fire Districts $ 6,032,282 $ 52,440 $ 0 $ 5,979,842 Total-All Districts __15,4!2,24~ 4,706,760 . __,_~58,528 10,546,957 Grand Total $ 59,681,1 44 $ 19,839,786 $ 8,653,256 $ 31,188,102 Source: Annual Budget of the Town. A-6 TOWN OF SOUTHOLD APPENDIX B AUDITED FINANCIAL STATEMENTS FOR THE FISCAL YEAR ENDED DECEMBER 31,2005 I FINANCiAl SECTION I Independent Auditors' Report.... ......... u ........ ..... ..... u.. ....... u.............................. u..... ......... ....................... . 1-2 REQUIRED SUPPLEMENTARY INFORMATION Management's Discussion and Analysis........................ ........................0..0........ .0...... .............. 3-11 BASIC FINANCIAL STATEMENTS Government-Wide Financial Statements Statement of Net Assets...............u............................uuu.....................uuu...u...................................... 12 Statement of Activities. ....... ............. ...... .......... ......... ............. ................. ..... u. u....... u...... ................ ....... 13 Fund Financial Statements Governmental Fund Financial Statements Balance Sheet and Reconciliation of the Governmental Funds Balance Sheet to The Statement of Net Assets............... ......... ..0.............0................................... ............. 14-15 Statement of Revenues, Expenditures, and Changes in Fund Balances and Reconciliation of the Govemmental Funds Statement of Revenues, Expenditures, And Changes in Fund Balances to the Statement of Activitiesh................ ................. ............ 16-17 Fiduciary Fund Financial Statements Statement of Fiduciary Net Assets...... ...... 0......0............. h....... ......... ...... .................................. 18 Notes to Financial Statements ...........................u..................................................................................... 19-33 REQUIRED SUPPLEMENTARY INFORMATION OTHER THAN MANGEMENT DISCUSSION AND ANAlYSIS Schedule of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual General Fund ... ........................0..... .........0.....0................................. 0.....0.. ...0........ ...... 34 Highway Fundh.... h.... ............ ..0............... ............ ...... .hm............ ......................... ...... 35 I OTHER SUPPLEMENTARY INFORMATION COMBINING FUND STATEMENTS: Non-rnajor Governmental Funds Combining Balance Sheet...........................h....h.... ....................................... .......0....... 36 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances......... ... 0..... . 37 DISCRETELY PRESENTED COMPONENT UNITS Discretely Presented Component Units: Combining Statement of Net Assets ....................................uu.............................................................. 38 Combining Statement of Activilies.......................................................................................................... 39 OTHER REPORTS Schedule of Expenditures of Federal Awards......................................................................................... 40 Notes to Schedule of Expenditures of Federal Awards.......................................................................... 41 Report on Compliance and on Internal Control Over Financial Reporting Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards............................................................................................................................ 42 Report on Compliance with Requirements Applicable To Each Major Program and Internal Control oVer Compliance in Accordance with OMB Circular A-133 ...................................................................... 43-44 Schedule of Findings and Questioned Costs.................................................................................... 45-46 CERTIFIED PUBLIC ACCOUNTANTS. BUSINESS ADVISORS AND CONSULTANTS 25 Suffolk Court, Hauppauge, New furk 1 J 788 631.434.9500 . Fax 631.434.9518 WWlv.QVZ.com INDEPENDENT AUDITORS' REPORT Honorable Supervisor and Town Board Town of Southofd . Southold, New York We have audited the accompanying financial statements of the governmental activities, the aggregate discretely presented component units, each major fund, and the aggregate remaining fund information of the Town of Southold, New York, as of December 31, 2005, and for the year then ended, which collectively comprise the Town's basic financial statements as listed in the table of contents. These financial statements are the responsibility of the Town's management. Our responsibility is to express an opinion on these financial statements based on our audit. Except as discussed in the following paragraph, we conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. The financial statements of the component units presented discretely in these financial statements with the exception of one, the Fishers Island Feny District, were not audited in accordance with Government Auditing Standards. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit proVides a reasonable basis for our opinion. The financial statements supporting the financial activities of the Town of Southold's discretely presented component units with the exception of one, the Fishers Island Ferry District, were not audited as of the report date, nor were we able to satisfy ourselves as to those financial activities by other auditing procedures. Those financial activities represent approximately 34% of the net assets of the discretely presented component units. The financial statements of the Fishers Island Ferry District were audited by other auditors whose report thereon have been furnished to us and in our opinion, insofar as it relates to the amounts included for that one component unit, is based solely on the reports of the other auditors. In our opinion, except for the effects of such adjustments if any as might have been determined to be necessary had the unaudited component units financial statements been audited and based on our audit and the reports of other auditors, the financial statements referred to above present fairly, in all material respects, the financial position of the Town of Southold, New York, as of December 31,2005, and the results of its operations for the year then ended in conformity with accounting principles generally accepted in the United States of America. The Management's Discussion and Analysis and the budgetary information are not a required part of the basic financial statements but are supplementary information required by accounting principles generally accepted in the United States of America. We have applied certain limited procedures, which consisted principally of inquiries of management regarding the methods of measurement and presentation of the supplementary information. However, we did not audit the Information and express no opinion on it. -1- ALSRECHT. VloolANo. ZURECK l5. CoMPNlY. P.C. .IUI..tlI...."__"IIKR~ Our audit was conducted for the purpose of forming an opinion on the financial statements that collectively comprise the Town of Southold, New York's basic financial statements. The combining and individual fund financial statements are presented for purposes of additional analysis and are not a required part of the basic financial statements. The combining and individual fund financial statements has been subjected to the auditing procedures applied in the audit of the basic financial statements of the Town of Southold, New York, and, in our opinion, is fairly presented in all material respects in relation to the basic financial statements taken as a whole. In accordance with Government Auditing Standards, we have also issued a report dated June 8, 2006 on our consideration of the Town of Southold, New York intemal control over financial reporting and our tests of its compliance with certain provisions of laws, regulations, contracts and grants. Our audit was performed for the purpose of forming an opinion on the general-purpose financial statements, taken as a whole. The accompanying schedule of expenditures of federal awards is presented for purposes of additional analysis as required by U.S. Office Management and Budget Circular A-133, Audits of States, Local Governments, and Non-Profit Organizations, and is not a required part of the general purpose financial statements of the Town of Southold, New York. Such information has been subjected to the auditing procedures applied in the audit of the general purpose financial statements and, in our opinion, is fairly stated, in all material respects, in relation to the general purpose financial statements taken as a whole. ~ '( .ff;.~. ? L-l' C-,-;. r. c Hauppauge, New York June 8, 2006 -2- REQUIRED SUPPLEMENTARY INFORMATION Management's Discussion and Analysis TOWN OF SOUTHOLD MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2005 The following is a discussion and analysis of the Town of Southold's financial performance, providing an overview of the Town's financial activities for the year ended Deoember 31, 2005. Use this section in conjunction with the Town's basic financial statements. USING THIS ANNUAL REPORT This annual report consists of a series of financial statements. The Statement of Net Assets and the Statement of Activities provide information about the activities of the Town as a whole and present a longer- term view of the Town's finances. For governmental activities, these statements tell how these services were financed in the short term as well as what remains for future spending. Fund financial statements also report the Town's operations in more detail than the government-wide statements by providing information about the Town's most significant funds. The remaining statements provide financial Information about activities for which the Town acts solely as a trustee agent for the benefit of those outside of the government. Reportina the Town as a Whole The Staiement of Net Assets and the Statement of Activities One of the most important questions asked about the Town's finances is, "Is the Town as a whole better off or worse off as a result of the year's activities?" The Statement of Net Assets and the Statement of Activities report information about the Town as a whole and about its activities in a way that helps answer this question. These statements include all assets and liabilities using the accrual basis of accounting, which is similar to the accounting used by most private-sector companies. The Statement of Activities is significantly different than a typical Statement of Revenues, Expenses, and Changes in Fund Balance. You will notice that expenses are listed In the first column with revenues from that particular program reported to the right. The result Is a net (expense )/revenue. The reason for this kind of format is to highlight the relative financial burden of each of the functions on the Town's taxpayers. It also identifies how much each function draws from the general revenues or if It Is self-financing through fees and grants. All of the current year's revenues and expenses are taken into account regardless of when cash Is received or paid. These two statements report the Town's net assets and their respective changes. You can think of the Town's net assets-the difference between assets and Iiabilities-as one way to measure the Town's financial health, or financial position. Over time, increases or decreases in the Town's net assets are one indicator of whether its financial health Is Improving or deteriorating. You will need to consider other non-financial factors, however, such as changes In the Town's property tax base and the condition of the Town's buildings, roads, drainage and other assets to assess the overall health of the Town. In the Statement of Net Assets and the Statement of Activities, we divide the Town into two kinds of activities: . Governmental activities - The Town's basic services are reported here, Including: general government support: public safety; public health; transportation: economic assistance and opportunity; culture and recrealion and home and community services. Property taxes, sales taxes, franchise fees, fines, and state and federal grants finance these activities. The Town also charges fees to customers to help it cover the cost of certain services it provides. . Component units - The Town includes 7 separate legal entities in its report (one ferry district, one sanitation district, one mosquito district and four park districts). Although legally separate, these "component units" are important because the Town is financially accountable for them. Complete financial statements of the individual component units can be obtained from their respective administrative offices (Note A). TOWN OF SOUTHOLD MANAGEMENTS DISCUSSION AND ANALYSIS December 31,2005 Reportina the Town's Most Slanlflcant Funds Fund Financial Statements The fund financial statements provide detailed information about the most significant funds-not the Town as a whole. Some funds are required to be established by State law and by bond covenants. However, the Town establishes many other funds to help it control and manage sources of funding and spending related to specific activities. The Town's basic services are reported in governmental funds, which focus on how money flows into and out of those funds and the balances left at year-end that are available for spending. These funds are reported using an accounting method called modified accrual accounting, which measures cash and all other financial assets that can readily be converted to cash. The govemmental fund statements provide a detailed short-term view of the Town's general govemment operations and the basic services it provides. Govemmental fund information helps you determine whether there are more or fewer financial resources that can be spent in the near future to finance the Town's programs. We describe the relationship (or differences) between govemmental activities (reported in the Statement of Net Assets and the Statement of Activities) and govemmental funds in a reconciliation that follows these fund financial statements. The Town as Trustee Reoortina the Town's Fiduciarv Responsibilities All of the Town's fiduciary activities are reported In a separate Statement of Fiduciary Net Assets. We exclude these activities from the Town's other financial statements because the Town cannot use these assets to finance its operations. The Town Is responsible for ensuring that the assets reported in these funds are used for their intended purposes. FINANCIAL ANALYSIS OF THE TOWN AS A WHOLE Our analysis below focuses on the net assets and changes in net assets of the Town's govemmental activities. Condensed Statement of Net Assets Governmental Activities as of December 31, 2005 and 2004 Assets Current and other assets Capital assets Total assets Liabilities Other liabilities Long-term liabilities T otalliabilitles Net assets Invested in capital assets, net of related debt Unrestricted Total net assets 2005 2004 $ 26,265,665 $ 25.448,645 90,294,079 81,374,480 116,559,744 106,823,125 16,289,370 14,665,546 14,916,051 15,732,844 31,205,421 30,398,390 81,044,981 4,309,342 $ 85,354,323 $ 71,352,951 5,071,784 76.424,735 -4- TOWN OF SOUTHOLD MANAGEMENrS DISCUSSION AND ANALYSIS December 31,2005 FINANCIAL ANALYSIS OF THE TOWN AS A WHOLE (continued) Total assets in the Towns as of December 31, 2005 were $116.5 million, an increase of $9.7 million. Total liabilities as of December 31, 2005 were $31 million, an Increase of approximately $1 million. This results in a net asset balance of $85.3 million, an increase of $8.9 million. Of the Town's net asset balance $81 million were invested in capital assets, net of related debt; while $4.3 million was unrestricted. Changes In Net Assets Governmental Activities for the years ended December 31, 2005 and 2004 2005 2004 Program Revenues Charges for services $ 10,723,686 $ 9,556,554 Operating grants and contributions 859,484 790,169 Capital grants and contributions 3,502,247 915,998 Total Program Revenues 15,085,417 11 ,262,721 General Revenues Real property taxes 20,795,041 19,989,545 Other real property tax items 80,369 72,504 Non-property tax items 628,857 751,210 Interest earnings 766,413 264,223 State aid - unrestricted 2,527,110 2,867,169 Other 709,352 228,738 Total General Revenues 25,507,142 24,173,389 Total Revenues 40,592,559 35,436,110 Program Expenses General government support 6,621,408 7,274,110 Public safety 11,342,991 9,899,209 Public health 43,559 42,551 Transportation 6,627,876 6,297,105 Economic assistance and opportunity 1,208,467 1,225,690 Culture and recreation 356,167 447,119 Home and community services 4,961,051 2,052,178 Interest on debt 501,452 460,838 Total Expenses 31,662,971 27,698,800 Increase in Net Assets $ 8,929,588 $ 7,737,310 -5- TOWN OF SOUTHOLD MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2005 FINANCIAL ANALYSIS OF THE TOWN AS A WHOLE (continued) Net Cost of Services Govemmental Activities for the year ended December 31,2005 General govemment support Public safety Public heatth Transportation Economic assistance and opportunity Culture and recreation Home and oommunity services Interest on debt Total Cost of Services $ 6,621,408 11,342,991 43,559 6,627,876 1,208,467 356,167 4,961,051 501,452 $ 31,662,971 Net Cost of Services $ 6,265,526 10,588,154 33,574 6,426,952 833,388 168,136 (8,239,628) 501,452 $ 16,577,554 The oost of all govemmental activities this year was $31.6 million. The net oost of these services, however, after subsidized by program revenues including charges for services and program grants, was $16.5 million. The Town's change in net assets after general revenues of $25.5 million was an increase of $8.9 million. Net Cost of Services Govemmental Activities for the year ended December 31, 2005 General govemment support pu blic safety Public health Transportation Economic assistance and opportunity Cutture and recreation Home and community services Interest on debt -R- Total Cost of Services $ 6,621,408 11,342,991 43,559 6,627,876 1 ,208,467 356,167 4,961,051 501,452 $ 31,662,971 Program Revenues $ 355,882 754,837 9,985 200,924 375,079 188,031 13,200,679 $ 15,085,417 TOWN OF SOUTHOLD MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2005 FINANCIAL ANALYSIS OF THE TOWN AS A WHOLE (continued) . Expenses . Program Revenues $14,000,000 Expense. and Program Revenue. Governmental Actlvltle. $12.000,000 $10,000,000 $8,000,000 $8,000,000 $4,000,000 $2,000,000 $- GenenlI _m... ou_ PUblic -*ly PUblic hlIlIIIh TrentpOrteUon Econordc ..- ... - CUI'" ... .......... Homo ... .......... ........ _on - "-""" -.... -- 2% QolIloI -.... .............. 11% """" - ........ 0% Chogeo - 28% _aId- Revenue by Source Governmental Activities For the year ended December 31, 2005 Real property taxes Slate aid - unrestricted Charges for services Other general revenues Operating grants and contributions Capital grants and contributions $ 20,795,041 2,527,110 10,723,686 2,184.991 859,484 3.502,247 $ 40,592,559 TOWN OF SOUTHOLD MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2005 FINANCIAL ANALYSIS OF THE TOWN AS A WHOLE (continued) THE TOWN'S FUNDS The general fund balance has decreased by approximately $600,000 due primarily to aelual expenditures in excess of revenues. Although there was a decrease In fund balance, this decrease was less than amounts budgeted. The following schedule presents a summary of the governmental fund - (general, special revenue, and capital projects) revenues and expenditures for the year ended December 31, 2005, and the amount of change and pencentage of total in relation to the prior year. Increase % 2005 2004 (Decrease) Change RI::VI::NUI::S Real property taxes $ 20,795,041 $ 19,989,545 $ 805,496 3.9% Other real property tax items 80,369 72,504 7,865 9.8% Non-property tax items 628,857 751,210 (122,353) -19.5% Departmental income 2,850,836 2,861,801 (10,965) -0.4% Intergovernmental charges 7,453,845 6,342,748 1,111,097 14.9% Use of money and property 906,684 407,338 499,326 55.1% Licenses and permits 426,269 419,247 7,022 1.6% Fines and forfeitures 140,192 107,315 32,8n 23.5% Sale of property and compensation for loss 205,223 484,106 (278,883) -135.9% Miscellaneous local sources 1,292,371 294,522 997,849 n.2% State aid 3,946,391 3,825,015 121,376 3.1% Federal aid 1,909,023 326,705 1,582,318 82.9% Total Governmental Fund Revenues $ 40,635,081 $ 35,882,056 $ 4,753,025 11.7% EXPENDITURES General government support $ 4,741,463 $ 4,488,085 $ 253,378 5.3% Public safety 7,984,619 6,993,563 991,056 12.4% Public health 40,152 39,952 200 0.5% Transportation 3,360,645 3,039,987 320,658 9.5% Economic assistance and opportunity 901,139 931,566 (30,427) -3.4% Culture and recreation 3,457,407 3,567,350 (109,943) -3.2% Home and community services 315,273 304,071 11,202 3.6% Employee benefits 6,803,164 5,654,256 1,148,908 16.9% Capital 12,788,366 8,756,057 4,032,309 31.5% Debt service principal and interest 2,439,675 2,215,224 224,451 9.2% Total Governmental Fund Expenditures $ 42,831,903 $ 35,990,111 $ 6,841,792 16.0% GENERAL FUND BUDGETARY HIGHLIGHTS Over the course of the year the Town Board revises the budget as needed so that expenditures do not exceed appropriations. In all Town funds, various transfers between appropriations were approved for this purpose. TOWN OF SOUTHOLD MANAGEMENTS DISCUSSION AND ANALYSIS December 31,2005 CAPITAl ASSET AND DEBT ADMINISTRATION Capital Assets As of December 31, 2005 the Town had $90.3 miUion in net capital assets including land, buildings, improvements, machinery and equipment, and infrastructure. The Town's component units had $8 million in net capital assets Including land, buildings, improvements, machinery and equipment, and sewer mains. Capital Assets at December 31, PrimarY aovemment 2005 2004 land $ 47,772,278 $ 37,795,087 Construction in progress 1,608,081 398,912 Buildings 4,574,513 4,569,296 Improvements other than buildings 13.498,954 13,469,136 Machinery and equipment 9,522,815 8,686,593 Infrastructure 70,038,525 69,334,187 Total capital assets 147,015,166 134,253,211 Less accumulated depreciation 56,721,087 52,878,731 Primary government - Total net capital assets $ 90,294,079 $ 81,374,480 Comoonent units Land $ 2,213,759 $ 2,213,759 Buildings 3,540,111 3,416,944 Improvements other than buildings 2,575,589 2,575,589 Machinery and equipment 3,200,728 3,170,695 Infrastructure 2,138,386 2,121,386 Total capital assets 13,668,573 13.498,373 Less accumulated depreciation 5,639,830 5,236,652 Component units - Total net capital assets $ 8,028,743 $ 8,261,721 -Q- TOWN OF SOUTH OLD MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2005 CAPITAL ASSET AND DEBT ADMINISTRATION (continued) Caoital Assets (continued) The capital program is a long range financing guide and not a definitive plan. Each appropriation must be authorized by Town Board resolution before being undertaken. Each may be financed by issuance of general obligation bonds, which, at times, are preceded by issuance of bond anticipation notes for various periods of time depending on the probable usefulness of the purpose of expenditure. The following sets forth a summary of the Town's capital program. (Dollars in thousands): General Fund Highway Fund Special Districts $ 2006 345,900 2,500 20.000 368.400 Eouioment Total Equipment $ Imorovements Total Program $ 440,130 BOO.OOO $ 1.240.130 $ 1 608 530 General Fund Special Districts Total Improvements Additional infonnation on the Town's capital assets can be found in Note C.3 to the financial statements. Debt Administration The Town of Southold's credit rating from Moody's Investors Services was upgraded to A 1 from A2 in February 2005. Debt Umit - The Town has the power to contract indebtedness for any Town purpose so long as the principal amount thereof, subject to certain limited exceptions, shall not exceed seven percent of the average full valuation of taxable real estate of the Town, and subject to certain enumerated exclusions and deductions such as water and certain sewer facilities and cash or appropriations for current debt service. The constitutional method for detennining full valuation Is calculated by taking the assessed valuation of taxable real estate as shown upon the latest completed assessment roll and dMding the same by the equalization rate as determined by the State Board of Equalization and Assessment. The State Legislature is required to prescribe the manner by which such ratio shall be detennined. Average full valuation is detennlned by taking the sum of the full valuation of the last completed assessment roll and the four preceding assessment rolls and dMding such sum by five. Percentage of debt contracting power exhausted at December 31, 2005 was 2.16%. AI. December 31, 2005, the Town had approximately $92 million In long tenn general obligation bonds outstanding, of which $9 million was for general Town purposes. Also outstanding at year-end were bond anticipation notes in the amount of $8.8 million of which $6 million was for general Town purposes. Additional infonnation on the Town's debt activity can be found in Note C.4to the financial statements. -10- TOWN OF SOUTHOLD MANAGEMENrS DISCUSSION AND ANALYSIS December 31, 2005 ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS AND RATES ProoerlY Tax The Town has adopted a budget for the 2006 fiscal year which factors in inflation and other adjustments to revenues and expenditures as well as prior year positive and negative fund balances. The 2006 budget includes an overall increase in real property tax revenues from the prior year of approximately 3.9% for the general Town governmental activities. State Aid and Local Assistance The Town receives financial assistance from New York State and from Suffolk County. During 2005, financial assistance Included state aid consisting of mortgage tax of $2.5 million, consolidated highway aid of $188 thousand, and community preservation aid of approximately $1 million. State aid per capita was $75.3 thouSGnd and County local government assistance was $211.7 thousand. Additionally, if the State should not adopt its budget In a timely manner, municipalities and school districts in the State, including the Town, may be affected by a delay in the payment of state aid. The State is not constitutionally obligated to maintain or continue state aid to the Town. The Town's 2006 budget Included similar amounts for this financial assistance. Retirement SYStem The New York State Employees Retirement System, having suffered some adverse effects of the weak stock market conditions, was expected to require payments In excess of amounts the State had originally anticipated for the year ended 2005. When establishing the 2005 budget, the Town had anticipated these excess payments. However, due to a change In the billing cycle, the State was able to hold the contribution rates to those the State had originally anticipated. The Town subsequently re-approprlated the budgeted but unexpended excess payment in the 2005 budget. The Slate's new billing cycle will require a minimum contribution rate of 4.5%. Employer contribution for subsequent years will be based on the Russell 3000 performance as of April 1 of the preceding two years. In 2003 the Town of Southold adopted the New York State Early Retirement Incentive Program as authorized by Chapter 69 of the Laws of 2002. The option to retire early ran through December 31, 2002. The eligibility . varied based on tier, age and years of service, but all options required that the employees be at least fifty (50) years of age and being vested In the New York State Retirement System. As part of its contractual agreements with the unions, the Town of Southold also offers fully paid health insurance benefits (but not welfare benefits) for the retiree and their present spouse until death of the retiree. CONTACTING THE TOWN'S FINANCIAL MANAGEMENT This financial report Is designed to provide our citizens, taxpayers, customers, and creditors with a general overview of the Town's finances and to show the Town's accountability for the money it receives. If you h;lve questions about this reporl or need additional financial information, contact the Town of Southold, Office of the Town Comptroller, Southold, New York. I BASIC FINANCIAL STATEMENTS TOWN OF SOUTHOLD GOVERNMENT-WIDE FINANCIAL STATEMENTS STATEMENT OF NET ASSETS December 31, 2005 Primary Governmental Component Activities Units ASSETS Current Assets: Cash and investments $ 20,968,117 $ 1,250,827 Accounts receivable, net of allowances 236,215 3,561 Due from fiduciary funds 68 Due from other governments 2,631,939 Due from primary government 949,145 State and federal aid receivables 1,127,523 48,767 Prepaid charges 1,130,599 45,140 Inventory of material and supplies 1,204 Total Current Assets 26,095,665 2,297,440 Non-Current Assets: Deferred charges, net of accumulated amortization 170,000 Non-depreciable capital assets 49,380,359 15,284,596 Depreciable capital assets, net of depreciation 40,913,720 5,918,714 Total Non-Current Assets 90,464,079 21,203,310 Total Assets 116,559,744 23,500,750 LIABIUTIES Current Liabilities: . Accounts payable and accrued liabilities 1,344,864 442,802 Accrued interest payable 227,617 63,941 Bond anticipation notes payable 8,875,000 2,845,000 Due to other governments 393,570 2,271 Due to fiduciary funds 7,044 Unearned revenue 4,402,014 392,414 Other liabilities Non-current liabilities due within one year General obligation bonds payable 755,000 195,000 Due to Employees Retirement System 45,189 Claims and judgments payable 220,000 Estimated liability for landfin closure and postclosure care costs 19,072 Total Current Liabilities 16,289,370 3,941.428 Non-Current liabilities: General obligation bonds payable 8,494,098 2,855,000 Due to Employees Retirement System 48,804 Compensated absences 5,779,826 Estimated liability for landfdl closure and postclosure care costs 593,323 Total Non-Current Liabilities 14,916,051 2,855,000 Total LIabilities 31,205,421 6,796,428 NET ASSETS Investment in capital assets, net of related debt 81,044,981 14,093,268 Unrestricted 4,309,342 2,611,054 Total Net Assets $ 85,354,323 $ 16,704,322 See notes to the financial statements -12- TOWN OF SOUTHOLD GOVERNMENT-WIDE fiNANCiAl STATEMENTS STATEMENT Of ACnvmES Year ended December 31, 2005 Net Expenses (Revenues) and Program Revenues Capital Change In Net Assets 0_ Charges for Gram and GIants and Prfmary Component FuncUonlPrOQram Expenses SoNlces ContrtbuUans Contributions Govemment Units PRIMARY GOVERNMENT Govemment ActIvities: General government support $ 6.621 ,408 $ 204.757 $ 151,125 $ 8.265,526 Public safety 11,342,991 539,891 214,946 10,588,154 Public health 43.559 9,985 33,574 Transportation 6,627,876 12,n7 $ 188,147 6,426.952 Economic assistance and opportunity 1,208,467 174.830 200,249 833,388 Culture and recreatlan 356,167 188,031 168,136 Home and oommunity services 4,961,051 9,603,400 283,179 3,314,100 (8,239.828) Interest on debt 501,452 501 ,452 Total Primary Govemment $ 31,662,971 $ 10,723,686 $ 859,484 $ 3,502,247 $ 16,577,554 COMPONENT UNITS General govenynent support $ 60,610 $ 80,810 Public health 60,371 60,371 Transportation 2,532,192 $ 1.884,374 $ 1,983,139 (1,335.321) Culture and recreatIon 814,501 814,501 Home and community servicos 495,832 47,644 +48,188 Interest an debt 1 02,579 102,579 Total Component Units $ 4,086,085 $ 1,932,018 $ 1,983,139 $ 170,928 GENERAL REVENUES Real property..... $ 20,795,041 $ 1,960,880 Other real property tax Items 80,389 588 Non-praperty tax items 828,851 18,449 Interest earnings 766,413 88,883 Stateald 2,527.110 684 OIhor 709,352 40,296 Total General Revenues 25,507,142 2,089,738 Change In Net Assets 8,929,688 1.918,810 Net A8utt: at BegInning of Year 76.424,736 14,786,512 Net Assets at End of Year $ 85,354.323 $ 16,704,322 See notes to the financial statements. -13- TOWN OF SOUTHOLD BALANCE SHEET GOVERNMENTAL FUNDS December 31, 2005 MAJOR FUNDS Non-Major Capital Governmental General Highway Projects Funds Tolals ASSETS Cash and invesbnents $ 9,292,437 $ 1,022,924 $ 9,406,620 $ 1,246,136 $ 20,968,117 Accounts receivable, net of allowance 24,533 8,190 30,500 172,992 238,215 Due from other funds 176,390 828,984 251,100 733,039 1,969,513 Due from trust funds 68 68 Stale and federal aid receivable 81,849 43,424 1,002,250 1,127,523 Due from other governments 1,867,138 759,803 5,000 2,631,939 Supply Inventory 1,204 1,204 Prepaids 496,344 56,947 54,024 609,315 Tolal Assets $ 11,941,961 $ 1,980,469 $ 11,450,273 $ 2,211,191 $ 27,563,894 UABIUTIES AND FUND BALANCES LIABILITIES Accounts payable $ 627,049 $ 72,436 $ 337,613 $ 227,184 $ 1,284,282 Retained percentages 80,560 80,560 Bond anticlpatlon notes payable 8,875,000 8,875,000 Due to other funds 1,888,241 73,598 27,674 1,969,513 Due to trust funds 7,044 7,044 Due to other governments 393,570 393,570 Deferred revenue 3,018,595 831,185 552,234 4,402,014 Tolal UabHlties 5,934,499 903,621 9,368,791 807,092 17,012,003 FUND BALANCE Fund Balances - reserved: Encumbmnces 4,009 4,009 Supply inventory 1,204 1,204 Prepa/ds 498,344 26,686 525,030 Insurance claims 1,105,879 1,105,879 Fund Balance - unreserved: 16,000 16,000 Designated - ensuing yaafs budget 2,657,200 339,900 346,596 3,345,696 Undeslgnated 1,740,826 700,946 2,083,482 1,028,817 5,554,073 Total Fund Equity 6,007,462 1,056,846 2,083,482 1,404,099 10.551,891 Total Llabinties and Fund Equity $ 11,941,961 $ 1,960,469 $ 11,450,273 $ 2,211,191 $ 27,563,894 See notes to the financial statements. .,>-'-,.,--- TOWN OF SOUTHOlD RECONCilIATION OF THE GOVERNMENTAL FUNDS BALANCE SHEET TO THE STATEMENT OF NET ASSETS December 31, 2005 Total Fund Balances - Governmental Funds $ 10,551,891 Amounts reported for governmental activities in the Statement of Net Assets are different because: Capital assets less accumulated depreciation are Included in the Statement of Net Assets: Capital assets - non-depreciable $49,380,359 Capital assets - depreciable 97,634,807 Accumulated depreciation (56,721,087) 90,294,079 Other long-term assets are not available to pay for current-period expendnures and, therefore, are deferred in the funds long-term liabilities applicable to the Town's governmental activities are not due and payable in the current period and accordingly are not reported in the funds. However these liabilities are included in the Statement of Net Assets: General obligation bonds payable (9,249,098) Due to Employees Retirement System (93,993) Compensated absences (5,779,826) Claims and judgments payable (220,000) Estimated liability for landfill closure and poslclosure care costs (612,395) (15,955,312) Prepaid items included in the Statement of Net Assets 521,282 Deferred charges included in the Statement of Net Assets 170,000 Interest payable applicable to the Town's governmental activities are not due and payable in the current period and accordingly are not reported in the funds. However these liabilities are included in the Statement of Net Assets. (227,617) Net Assets of Governmental Activities $ 85,354,323 See notes to the financial statements. -15- TOWN OF SOUTlfOLD STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BAlANCES GOVERNMENTAL FUNDS For the year ended December 31, 2005 MAJOR GOVERNMENTAL FUNDS Non-Major Capital Governmental General Highway Proiects Funds Totals REVENUES Real property taxes $ 14,608,674 $3,805,032 $2,381,335 $ 20,795,041 Other real property tax nems 68,807 9,046 2,516 80,369 Non-property tax items 415,071 213,786 628,857 Departmental income 345,956 2,504,880 2,850,836 Intergovernmental charges 252,558 $ 7,200,274 1,013 7,453,845 Use of money and property 489,796 77,817 274,959 64,092 906,664 Ucenses and permits 249,178 11,126 165,965 426,269 Rnes and forfeues 140,192 140,192 Sale of property and compensation lor loss 93,290 2,796 109,137 205,223 Miscellaneous local sources 432,269 155,054 551,457 153,591 1,292,371 Slale aid 2,637,870 188,147 1,045,000 75,374 3,946,391 Federal aid 174,348 1,510,539 224,136 1,909,023 Total Revenues 19,908,009 4,249,018 10,582,229 5,895,825 40,635,081 EXPENDITURES C...rent General goverrunent support 4,641,568 99,895 4,741,463 Public safety 7,177,145 807,474 7,984,619 Public health 33.288 6,864 40,152 Transportation 446,877 2,913,768 3,360,845 Ecoromlc assistance and opportunity 901,139 901,139 Home and community services 354,766 3,102,639 3,457,407 CuitlJ'a and recreation 315.273 315,273 Employee benefits 5,857,963 500,343 444,858 6,803,164 Capital oullay 12,788,366 12,788,366 Principal and Interest 1,560,055 178,371 29,529 671,720 2,439,675 Bond Issuance costs 70,075 70,075 Advanced refunding escrow 112,758 112,758 Total ExpendRures 21,288,076 3,592,482 13,000,728 5,133,450 43,014,736 Excess (Deficiency) of Revenues Over Expenditurss (1,380,067) 656,536 (2,418,499) 762,375 (2,379,655) Other Financing Sources (Usss) Proceeds of refunding bonds 2,380,000 2,380,000 Payments 10 refunded bond escrow agents (2,210,000) (2,210.000) Premium on special assessment debt 12,833 12,833 BANs redeemed from appropriations 1,065,095 1,065,095 Transfers in 2,642,859 276,969 2,919,828 Transfers out (1,895,023) (520,085) (504,720) (2,919,828) Total Other Rnancing SolJ'Ces (Uses) 747,836 (520,085) 1,524,897 (504,720) 1,247,928 Excess (Deficiency) of Revenuss and Other Sources OVer Expenditures and Olhsr Usss (632,231 ) 136,451 (893,602) 257,655 (1,131,727) Fund Balance at Bsginnlng of Year 6,639,693 920,397 2,977,084 1,146,444 11,683,618 Fund Balances at End of Year $ 6,007,462 $1,056,848 $ 2,083,482 $1,404,099 $ 10,551,891 See notes to the financial statements. -16- ----_.._.~"----"'->~-~,.,~."_.".,--,.,~----- TOWN OF SOUTH OLD RECONCILIATION OF THE GOVERNMENTAL FUNDS STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES TO THE STATEMENT OF ACTIVITIES For the year ended December 31,2005 Net Change in Fund Balance $ (1,131,727) Governmental funds report capital outlays as expenditures. However, in the Statement of Activities the cost of those assets is allocated over their estimated useful lives and reported as depreciation expense. The amount by which capital outlay exceeds depreciation in the current period is: Capital outlay Depreciation expense Loss on dispositions $13,205,174 (4,082,748) (202,828) 8,919.598 Some expenses reported In the Statement of Activities do not require the use of current financial resources and therefore, are not reported as expenditures in governmental funds: Prepaid charges Deferred charges (53,286) 170,000 The issuance of long-term debt and increase In obligations under capital leases provides current financial resources to governmental funds, while the repayment of the principal of long term debt and capilalleases consumes the current financial resources of governmental funds. Neither transaction has any effect on net assets. Bonds issued Repayment of bond principal Due to Employees Retirement System Compensated absences Claims and judgments payable Estimated liability for landfill closure and postclosure care costs Accrued interest payable (2,380,000) 3,162,431 41,841 (117,468) 378,630 18,872 (79,303) Change in Net Assets of Governmental Activities $ 8,929,588 See notes to the financial statements. -17- TOWN OF SOUTHOLD STATEMENT OF FIDUCIARY NET ASSETS December 31, 2005 Fishers Island Town Ferry District Totals ASSETS Cash and investments $ 14,898,809 $ 43,462 $14,942,271 Other receivables 17 40,638 40,655 Due from other funds 7,044 7,044 Total Assets $ 14,905,870 $ 84,100 $14,989,970 LIABILITIES Due to other funds $ 68 $ 38,829 $ 38,897 Due to school districts 11,675,920 11,675,920 Due to component units 517,902 517,902 Due to other governments 1,664,259 1,664,259 Other liabilities 8,881 8,881 Deposits held 1,038,840 45,271 1,084,111 Total Liabilities $ 14,905,870 $ 84,100 $14,989,970 See notes to the financial statements. -18- --~~~~"-,,".,,.,..~- .. ~-,..- TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 A SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The Town of Southold (the "Town"), which was established in 1640, is governed by Town Law and other general laws of the State of New York and various local laws. The Town Board is the legislative body responsible for overall operations. The Town Board consists of the Supervisor who is elected for a term of two years and five council members who are elected for terms of four years. The Town Board appoints the Town Attorney, Comptroller and the Commissioner of Public Works whose terms are fixed by Town Law. The Town Clerk, Receiver of Taxes, Superintendent of Highways, Justices and Town Trustees are all elected and serve for four years, respectively. The Town provides a full range of municipal services, including public safety, transportation, home and community services, public works and road maintenance, recreation and parks. and general and administrative services. The financial statements of the Town of Southold have been prepared in conformity with accounting principles generally accepted In the United Stales of America (GAAP) as applied to governmental units. The Governmental Accounting Standards Board (GASB) is the accepted standard selling body for establishing governmental accounting and financial reporting principles. The more significant of the governmenfs accounting policies are described below. 1. REPORTING ENTITY The financial reporting entity consists of: (a) the primary government, which is the Town of Southold; (b) organizations for which the primary govemment is financially accountable; and (c) other organizations for which the nature and significance of their relationship with the primary government are such that exclusion would cause the reporting entity's financial statements to be misleading or incomplete as set forth in GASB Statement No. 14. The decision to include a potential component unit in the Town of Southold reporting entity is based on several criteria set forth in GASB Statement No. 14' including legal standing, dependency and financial accountability. Based on the application of these criteria, the following is a summary of certain entities considered In determining the Town of Southold's reporting entity. Certain special districts of the Town of Southald provide sanitation, ferry, and park services to residents and businesses within the districts. These special districts are organized under New York Slate Town law and have separately elected boards. Special districts cannot issue bonded debt without the approval and the backing of the full faith and credit of the Town. Tax levies of the special districts are collected by the Town Receiver ofTaxes. As a result of this fiscal dependency, the Town is financially accounlable for these special districts. Accordingly, these special districts have been determined to be component units of the Town and are presented discretely i1 a separate column In the combined financial statements to emphasize that they are legally separate from the primary govemment. 2. BASIS OF PRESENTATION The Town's basic financial slatements include both government-wide (reporting the Town as a whole) and fund financial statements (reporting the Town's major funds). Govemment-wlde Financial Statements The government-wide financial statements reports information on the Town as a whole, except fiduciary activities, with separate columns for the primary governmental activities as well as the discretely presented component units. In the government-wide Statement of Net Assets, the Town's governmenlal activities are presented on a consolidated basis and are reported on a full accrual, economic resource basis, which recognizes all long-term assets and receivables as well as long-term debt and obligatic:ns. The Town's net assets are reported in three parts-investments in capilal assets, net of related debt; restricted net assets; and unrestricted net assets. -19 - TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 A. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued) 2. BASIS OF PRESENTATION (continued) The government-wide Statement of Activities reports both the gross and net cost of each of the Town's functional categories (public safety, transportation, home and community services, etc.), which are otherwise supported by general govemment revenues (property, sales and use taxes, certain intergovernmental revenues, fines, pennlts and charges, etc.). The Statement of Activities reduces gross expenses (including depreciation), by related prograrn revenues and operating and capital grants, to produce the net cost of each program. Program revenues include (a) charges for services and (b) operating and capital grants and contributions that are directly associated with the function. Operating grants include operating-specific and discretionary (either operating or capital) grants while the capital grants column reflects capital- specific grants. The net costs (by function) are normally covered by general revenue (properly, taxes, intergovernmental revenues, interest income, ete). As a general rule the effect of Interfund activity has been eliminated in general purpose financial statements. This government-wide focus is more on the sustainability of the Town as an entity and the change in the Town's net assets resulting from the current year's activities. Fund Financial Statements The fund financial statements are similar to the financial statements presented in the previous model. The new ernphasis is on the major funds In the fund financial stallll,.... ,Ill. Non-major funds are summarized into a single column. The accounts of the Town are organized on the basis of funds, eechof which is considered a separate accounting entity. The operations of each fund are accounted fOr with a separate set of self-balanclng accounts that comprise its assets, liabilities, fund balances, revenues, and expenditures, which are segregated for the purpose of canying on specific activities or attaining certain objectives In accordance with special regulations, restrictions or Umitations. The various funds are presented by type In the fund financial statements. Accordingly, the Town maintains the following fund types: Governmental Funds - Governmental funds are those through which most govemmental functions are financed. The acquisition, use and balances of expendable financial resouroes and the related liabilities are accounted for through governmental funds. The measurement focus of the governmental funds is upon detennlnalion of financial position and changes In financial position. Governmental funds are further classified as major and non-major funds. The Town reports the folla..vlng major governmental funds: General Fund - is the principal operating fund of the Town. This fund is used to account for all financial resouroes except those required to be accounted for In other funds. Hlahwav Funds - to maintain and operate highways. CaDital Proiects Fund - used to account for financial resources to be used for the acquisition or construction of major capital facilities (other than those financed by special assessment funds and trust funds). -20- TOWN OF SOUTH OLD NOTES TO FINANCIAL STATEMENTS December 31,2005 A. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued) 2. BASIS OF PRESENTATION (continued) Fund Financial Statements (continued) Additionally, the Town reports the following non-major funds: Special Revenue Funds - are used to account for the proceeds of speciflc revenue sources (other than major capital projec1s) that are legally restricted to expenditures for specified purposes. Special Revenue Funds include the following: General Fund Part Town - to provide general services outside the Village of Greenporl Soecial Grant Fund - segregate and account for projec1s funded by Community Development revenue. Special District Funds - to provide special services to areas that encompass less than the whole town. Fiduciary Funds - Fiduciary Funds are used to acoount for assets held by the Town in a trustee or custodial capacity. Agency Fund - Is for money (and/or property) received and held in the capacity of trustee, custodian or agent. Discretely Presented Component Units Certain special disb1cts that have separately elected boards provide transportation, park, mosquito control, and sanitation services to residents and businesses within these districts, and follow govemment fund accounting pIlnclples. These districts, which are accounted for as discretely presented component units, are as follows: The Fishers Island Ferry District, established in 1947 Orient Mosquito District, established in 1916 Fishers Island Garbage and Refuse District, established in 1952 Cutchogue-New Suffolk Park District, established In 1953 Orient-East Marion Park District, established In 1969 Southold Park District, established in 1907 Mattituck Park District, established in 1941 Complete financial statements of these component units can be obtained from their respective administrative offices: Orient Mosquito District 145 Platt Road Orient, NY 11957 Cutchogue-New Suffolk Park District P.O. Box 311 Cutchogue, NY 11935 Southold Park District P.O. Box 959 Southold, NY 11971 Fishers Island Ferry District P.O. Box 1179 Southold, NY 11971 Fishers Island Garbage & Refuse District Fishers Island, NY 06390 Orient-East Marion Park District P.O. Box 12 Orient, NY 11957 Mattituck Park District P.O. Box 1413 Mattituck, NY 11952 'H TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31,2005 A. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued) 3. BASIS OF ACCOUNTlNGIMEASUREMENT FOCUS Measurement focus refers to what is being measured whereas the basis of accounting refers to when revenues and expenditures are recognized in the accounts and reported in the financial statements. Basis of accounting relates to the timing of the measurement made, regardless of the measurement focus applied. In the govemment-wide statements, governmental activities are presented using the economic resources measurement focus and are presented using the accrual basis of accounting. Under the accrual basis of accounting, revenues are recognized when earned and expenses are recorded when the liability is incurred or economic asset used. Revenues, expenses, gains, losses, assets, and liabilities resulting from exchange and exchange-like transactions are recognized when the exchange takes place. In the funds statements, governmental funds use a current financial resources measurement focus and are accounted for using the modified accrual basis of accounting. Under the modified accrual basis of accounting, revenues are recognized when susceptible to accrual (measurable and available to finance current operations). "Measurable" means the amount of the transaction can be determined and "available" means collectible within the current period or soon enough thereafter to pay liabilities of the current period. The Town considers all revenues available if they are collected within 60 days aller the year end. Revenues susceptible to accrual Indude Suffolk County local assistance at year end on behalf of the Town, franchise fees, and charges for services, Intergovernmental revenues and operating transfers. Permits, fees, and other similar revenues are not suscepbble to accrual because generally they are not measurable until they are received in cash. In those instances where expenditures are the prime factor In determining eligibility for state and federal grants, revenues are recognized when the expenditure is incurred. In the Capital Projects Fund, Iong-lenn debt is recognized as revenue upon receipt of the proceeds. Expenditures are recorded on the accrual basis except that (a) expenditures for prepaid expenses are recognized when incurred; (b) principal and interest on indebtedness are recognized as expenditures when due; (c) compensated absences, such as vacation and sick leave, which vest or accumulate, are charged as expenditures when paid. Encumbrance accounting, under which purchase orders, contracts and other commitments are recorded for budgetary control purposes in. order to reserve that portion of the applicable appropriation, is employed in the governmental funds. Appropriations for all governmental funds except the capital projects fund lapse at year-end. However, encumbrances reserved against fund balances are re-appropriated In the ensuing year. Encumbrances are reported as reservations of fund balances since they do not constitute expenditures or liabilities. Expenditures for such commitments are recorded In the period in which the liabRity Is incurred. 4. ASSETS, LIABILITIES AND FUND EQUITY RECEIVABLES Receivables include amounts due from Federal, State, and other governments or entities for services provided by the Town. Receivables are recorded and revenues recognized as earned or as specific program expenditures are Incurred. INVENTORY. MATERIALS AND SUPPLIES Inventory In the general and special revenue funds Is valued at cost Inventory In these funds Is accounted for under the consumption method. TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 A. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued) 4. ASSETS, LIABILITIES AND FUND EQUITY (continued) CAPITAL ASSETS Capital assets purchased or acquired with an original cost of $5,000 or more are reported at historical cost or estimated historical cost. Contributed assets are reported at fair market value as of the date received. Additions, improvements and other capital outlays that significantly extend the useful life of an asset are capitalized. Other costs Incurred for repairs and maintenance are expensed as Incurred. Depreciation on all assets is provided on the straight- line basis over the following estimated useful lives: Buildings Improvements and other Machinery and equipment Infrastructure 10-40 years 20 years 5-10 years 20-30 years Infrastructure assets, consisling of certain improvements other than buildings indOOing roads, curbs. sidewalks, bridges, street lighting are capitalized along with other capital assets. In the fund financial statements, capital assets are recorded as capital outlay expenditures In the governmental fund upon acquisition. DEFERRED REVENUElUNEARNED INCOME Deferred revenues/unearned income are those where asset recognition criteria have been met, but which revenue recognition criteria have not been met. Such amounts Indooe collections in advance, unearned income and amounts that have been deemed to be 'measurable' but not 'available' to finance current expenses pursuant to generally accepted accounting principles. PREPAlDS Prepaids record payments to venders that benefit future recording periods and are reported on the consumptlon basis. Prepaids in the General and Special Revenue Funds represent insurance premiums paid for coverage that will benefit the subsequent period and for retirement benefits that will benefit a future period. LONG-TERM OBLIGATIONS The liabilities for long-term obligations consisting of general obligation bonds, compensated absences, due to employee retirement system, judgments, claims and liability for landfill closure and post dosure costs are recognized in the government-wide financial statements. In the fund statements, long-term obligations are not reported as liabilities. The debt proceeds are reported as other financing sources and payment of principal and Interest reported as expenditures. 5. REVENUES AND EXPENDITURES REAL PROPERTY TAX ASSESSMENT AND COLLECTION PROCEDURES In Suffolk County, the assessment and lien of real properlY for taxation Is done by the County Department of Assessment. Real properlY taxes become a lien on December 1 for both school and general taxes. The Town's assessment rolls are used for the levy of real properlY taxes by the Town and the School Districts, as well as by the County and by Special Districts of the County and the Town. .,., TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 A. SUMMARY OF SIGNIFICANT ACCOUNTING POUCIES (continued) 5. REVENUES AND EXPENDITURES (continued) REAL PROPERTY TAX ASSESSMENT AND COLLECTION PROCEDURES (continued) The Town of Southold Receiver of Taxes collects all real property taxes for the Town, Suffolk County, Town Special Districts and School Districts. These taxes are levied on December 1, and are due in two Installments, 500/0 on December 1 and 50% on May 10, payable without penalty to January 10 and May 31, respectively. Penalties are imposed thereafter at the rate of one-tweIflh of the rate of interest determined by the State Commissioner of Taxation and Finance, aller which taxes are payable to the County Treasurer. The Town retains the total amount of Town, Highway and Town Special Districts levies from the amount collected, and foIwards the balance collected to the County which assumescollecllon responsibility. The Town and Town's Special Districts therefore realize annually the 1000/0 collection of real property taxes. School District property taxes are also levied on December 1, and are also payable In two installments. School property taxes are due in two Installments, 50% on December 1 and 50% on May 10 payable without penalty to January 10 and May 31, respectively. The County is also responsible for uncollected school taxes. INTERFUND TRANSACTIONS Interfund transactions have been eliminated from the govemment-wide financtal statements. In the funds statements inlerfund transactions include: a) Interfund Revenues Interfund revenues, quasl-external transactions, In the general fund represent amounts charged for services or faciflties provided by the general fund. The amounts paid by the fund receiving the benefit of the service or facilities are reflected as an expenditure of that fund. b) Transfers Transfers represent payments to the debt service, general fund and capital projects funds from the other funds for their appropriate share of the debt service, general fund or capital project costs. COMPENSATED ABSENCES The liability for vested or accumulated vacation or sick leave (compensated absences) is recorded as current and noncurrent obligations In the government-wide statements. The current portion of this debt is estimated based on historical trends. In the fund financial statements only the compensated absence liability payable from expendable available financial resources is incurred. The amount that is expected to be liquidated with expendable available financial resources is reported as expendnures and a rlBbility in the funds statement in the respective fund that will pay it 6. EQUITY CLASSIFICATIONS In the government-wide statements, equity is classified as net assets and displayed In three components: a) Invested In capital assets, net of related debt - consists of capital assets including restricted capital assets, net of accumulated depreciation and reduced by the outstanding balances of any bonds, notes, or other borrowings that are attributable to the acquisition, construction, or improvement of those assets. -24 - .--.,.....,.",.^ -."" .~ TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31,2005 A. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued) 6. EQUITY CLASSIFICATIONS (continued) b) Restricted net assets - consists of net assets with constraints placed on the use either by (1) extemal groups such as cred~ors, grantors, contributors, or laws or regulations of other govemments: or (2) law through constitutional provisions or enabling legislation. c) Unrestricted net assets - all other net assets that do not meet the definition of "restricted" or "invested in capital assets, net of related debt." In the fund statements, govemmental fund equity Is classified as fund balance. Fund balance is further classified as reserved and unreserved, with unreserved further split between designated and undesignated. Portions of fund equity are segregated for future use and therefore not available for future appropriation or expenditure. Amounts reserved for encumbrances, inventory, insurance daims and debt service represent portions of fund equity, which are required to be segregated In accordance with state law or GAAP. Designations of fund balances In govemmental funds Indicate the utilization of these resources in the subsequent year's budget or tentatlve plans for future use. B. STEWARDSHIP, COMPLIANCE AND ACCOUNTABILITY 1. BUDGETARY DATA Budgets are adopted annually on a basis consistent with generally accepted accounting prinCiples. Appropriations authorized for the current year are increased by the amount of encumbrances carried forward from the prior year. Budgetary controls for special revenue funds are established in accordance with the applicable grant agreement, which may cover a period other than the Town's fiscal year. Appropriate budgetary adjustments have been made to reflect these grant agreements during the Town's fiscal year. The Town follows the procedures enumerated below In establishing the budgetary data reflected in the financial statements: a. No later than October 1, the Supervisor submits a tentative budget to the Town Board for the fiscal year commencing the following fiscal year. The tentative budget indudes the proposed means of financing for all funds. b. After public hearings are conducted to obtain taxpayer comments, no later than November 20, the Town Board adopts the budget. c. The Town Board must approve all modifications of the budget. However, the Supervisor is authorized to transfer certain budgeted amounts within departments. In order to show the full legal level of budgetary compliance for the general and cerlain special revenue funds, detailed IndMdual statements of revenues, expenditures and changes in fund balances - budget and actual, are presented in a separate budget report. nr TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 B. STEWARDSHIP, COMPLIANCE AND ACCOUNTABILITY (continued) 2. FUND BALANCES DESIGNATION OF FUND BALANCE Portions of the unreserved balances at December 31, 2005 were designated for the subsequent year's operating budgets as follows: Fund Balance Unreserved and Designated Total for Subsequent Fund Balance Fund Balance Year's Unreserved Fund Unreserved Budget Undesignated Non-Major Funds: Town Outside Village $ 845,309 $ 370,932 $ 474,377 East West Fire Protection District 15,112 4,350 10,762 Southold Wastewater District 176,657 176,657 Fishers Island Sewer District 32,546 32,546 Solid Waste Management District 334,475 334,475 Total $ 1,404,099 $ 375,282 $ 1,028,817 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS 1. CASH AND INVESTMENTS Cash consists of funds deposited in demand accounts, time deposit accounts and certificates of deposit with maturities of less than three months. The Town's investments are govemed by a formal investment policy. The Town's monies must be deposited in FDIC-insured commercial banks or trust companies located within the state. The Town Is authorized to use demand accounts and certificates of deposit Permissible investments include obligations of the U.S. Treasury, U.S. Agencies and investments made by the Cooperative Uquid Asset Security System (CLASS). CLASS Is a cooperative investment plan consisting of U.S. Treasury Obligations and repurchase agreements relating to treasury obligations. Investments are stated at cost, which approximates market value. CLASS was established as a cooperative investment arrangement organized under the CLASS Municipal Cooperation Agreement made pursuant to New York General Municipal Law, Article 3A and 5-G. It is the Town's policy to require collateral held in the name of the Town for demand deposits, money market deposits and certificates of deposit for an deposits not covered by federal deposit insurance. Obligations that may be pledged as collateral are obligations of the United States and its agencies and obligations of the State and its municipalities and school distrlcts. At December 31, 2005 the cash in banks was approximately $37,160,000 and collateral held against cash in banks was $60,410,000 consisting of FDIC insurance andlor securities held in the name of the Town of Southold. -26 - TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS (continued) 2. INTERFUND RECEIVABLES AND PAYABLES Interfund receivables and payables for the primary government at December 31, 2005 were as follows: General Fund - Town wide Highway Fund Capital Projects Fund Part Town East-West Fire District Southold Wastewater District Fishers Island Sewer Distrlct Solid Waste Management District Amount Receivable $ 176,390 $ 828.984 251.100 152,519 92,199 4,752 325 483.244 Amount Pavable 1,888,241 73,598 6,974 Interfund receivable and payable balances for the primary government at December 31, 2005 are expected to be paid currently. 3. CAPITAL ASSETS Primary govemment Capital assets not being depreciated Land Construction in progress Total capital assets not being depreciated Depreciable capital assets Buildings Improvements other than buildings Machinery and equipment Infrastructure Total depreciable capftal assets Less accumulated depreciation Buildings Improvements other than buildings Machinery and equipment Infrastructure Total accumulated depreciation $ Total net depreciable capnal assets Total net capital assets Balance 1/1/05 $ 37,795,087 $ 398,912 38,193,999 4.569,296 13,469,136 8,686.593 69,334.187 96,059.212 1,933,832 3,020,775 5,567.555 42,356,569 52,878,731 -27 - 20.700 $ 19119513 $ 1989513 Additions Deletions 9,977,191 $ 1,362,656 11,339,847 -0- $ 153,487 153,487 5,217 29,818 1,125,955 704,338 1,865,328 289,733 289.733 $ 134,698 521,309 714,211 2,712,530 4,082,748 $ 240.392 240.392 Balance 12/31105 47,772,278 1,608,081 49,380,359 4,574,513 13,498,954 9.522.815 70,038,525 97,634.807 2,068,530 3.542,084 6,041,374 45,069,099 56,721,087 40,913,720 $ 90,294.079 TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS (continued) 3. CAPITAL ASSETS (continued) DeprecIation expense was charged 10 govemmenlal functions as follows: General government support Public safety Transportation Economic asslslance and opportunity CuRure and recreation Home and community services $ 231,471 179,200 2,923,649 36,230 61,206 650,992 $ 4,082,748 Balance Balance Discretely presented component units 1/1/05 Additions Deletions 12/31/05 CapRaI assets not being depreciated Land $ 2,213,759 $ 2,213,759. Construction in progress 10,592,179 $ 2,598,828 $ 16,440 13,174,567 T olal capRaI assets not being depreciated 12,805,938 2,598,828 16,440 15,388,326 Depreciable capital assets Buildings 3,416,944 123,167 3,540,111 Improvements other than buildings 2,575,589 2,575,589 Machinery and equipment 3,170,695 30,033 3,200,728 Infrastructure 2,121,386 17,000 2,138,386 T olal depreciable capRaI assets 11,284,614 170,200 11,454,814 Less accumulated depreciation Buildings 1,186,077 103,656 1,289,733 Improvements other than buildings 973,574 88,000 1,061;574 Machinery and equipment 2,003,454 129,203 2,132,657 InfJastructure 1,073,547 82,319 1,155,866 Tolal accumuiated depreciation $ 5,236,652 $ 403,178 5,639,830 Total net depreciable capRaI assets 5,814,984 Total net capaal assets $ 21,203,310 ---~",-~._._""-_..._;,,>,.'....,.-...... TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31,2005 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS (continued) 4. INDEBTEDNESS SHORT TERM DEBT Bond Anticipation Notes (BANs) - Bond anticipation notes (BANs) are used as a temporary means of financing capital expendftures In the capital projects fund. State law requires that BANs issued for capital purposes be converted to long-term obligations within five years after the original issue date. The notes or renewal thereof may not extend more than two years beyond the original date of issue unless a portion is redeemed within two years and within each 12 month period thereafter. Liabilities for BANs are generally accounted for In the capital projects fund. BANs are expected to be paid from the proceeds of future bond issues after renewal of these notes. These BANs bear interest at various rates from 2.64% to 3.06% and are due at various dates through 2006. When BANs are not redeemed with the proceeds of bond issues, but instead paid from budgetary appropriations, the principal amount paid is recorded as an expenditure in the operating fund and a financing source is recorded in the capftal projects fund. These notes are summarized as follows: DescriDtion Various Purposes Various Purposes New London Wharf Fishers Island Garbage Total Amount $ 7,175,000 1,700,000 1,725,000 1.120.000 $ 11720000 Interest Rate 2.64% 3.05% 2.75% 3.06% Of the $11,720,000 in bond anticipation notes, $8,875,000 relates to the primary government and the remaining $2,845,000 relates to the component units. LONG TERM DEBT Summary of changes In long-term debt transactions for the year ended December 31, 2005 Is as follows: Non-current Balance Balance 6abDities due Non-<:urre nt 1/1105 IlICIllases ReducUons 12131105 l\lthln one year IlabUities Primary Government General obligation bonds $ 10,031,529 $ 2,380,000 $ 3,182,431 $ 9,249,098 $ 755,000 $ 8,494,098 Due to Employees Retirement Syste. 135,834 41,841 93,993 45,189 48,804 Compensated absences 5,562,358 860,531 743,053 5,779,825 5,779,825 Claims and judgments 598,530 378,630 220,000 220,000 Estimated lability for landfill closure and post-closure care costs 631,267 18,872 612,395 19,072 593,323 Component Units: General obligation bonds 272,589 3,000,000 222,559 3,050,000 195,000 2,855,000 TOWN OF SOUTH OLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS (continued) 4. INDEBTEDNESS (continued) LONG TERM DEBT (continued) General Obligation Bonds - The Town borrows money in order to acquire land or equipment or construct buildings and improvements. This enables the cost of these capital assets to be bome by the present and future taxpayers receiving the benefit of the capital assets. These long-term liabilities, which are backed by the full faith and credit of the Town, bear interest at various rates from 2.95% to 6.375% and have maturity dates in 2006 through 2021. Future principal and interest payments to maturity for both the primary govemment and the component units are as follows: Year Endioo Princioal Interest 2006 $ 950,000 $ 405,624 2007 979,096 376,466 2006 995,000 345,307 2009 1,025,000 312,347 2010 1,000,000 277,956 2011-2015 4,390,000 910,394 2016-2021 2.960.000 265.614 Totals 9; 12 299 096 9; 2 693 908 Other long-term liabilities for claims and judgments, compensated absences. retirement system and the estimated liability 10r landfill clOsure and post closure costs are to be paid by the fund that gave rise to the liability. During the year ended 2005, the Town issued $2,360,000 in general obligation bonds with an interest rate ranging from 2.50% to 3.75% to advance refund $2.210,000 of outstanding 1993 and 1995 Serial bonds with interest rates between 5.00% and 5.10%. The net proceeds of $2,392.633 include an original issue premium of $12.633 which were used In part to pay insurance, underwriting fees and administrative costs of $70,075 with the balance deposited In an inevocable trust with an escrow agent to provide for all future debt service payments on the various general obligation bonds. As a result, these bonds are considered to be defeased and the liability for those bonds has been removed from the Town. The Towns advance refunded the various general obligation bonds In order to reduce its total debt service payments over the next 10 years by $100,505 and to obtain an economic gain of $66,536 (difference between the present values of the debt service payments on the old and new debt). 5. RETIREMENT SYSTEM Plan DescriDllon The Town of Southold participates In the New York State and Local Employees' Retirement System (ERS) and Local Police and rl/'ElRetirement System (PFRS). This is a cost-sharing multiple- employer retirement system. The System provides retirement benefits as well as death and disability benefits. Obligation of employers and employees to contribute and benefits to employees are govemed by the New York Stale Retirement and Social Security Law (NYSRSSL). As set forth In the NYSRSSL, the Comptroller of the State of New York (Comptroller) serves as sole trustee and administrative head of the System. The Comptroller shall adopt and may amend rules and regulations for the administration and transaction of the business of the System and for the custody and control of their funds. A publicly avaDable annual report containing financial statements and required supplemental information for the Employees' Retirement System may be obtained by writing to the New York State Retirement System, Governor Smith Stale Building, Albany, NY 12244. _~O_ TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS (continued) 5. RETIREMENT SYSTEM (continued) Fundina Policv The System Is noncontributory except for employees who joined the New York Stale and Local Employees' Retirement System aller July 27, 1976 and who have less than ten years of membership and less than ten years of credited service with a retirement system under the provisions of article fourteen or fifteen of the NYSRSSL, who contribute 3% of their salary. Prior to October 1, 2000, all employees who joined the System aller July 27, 1976 were required to contribute 3% of their salary. Under the authority of the NYSRSSL, the Comptroller shall certify annually the rates expressed as proportions of payroll of members, which shall be used In computing the contributions required to be made by employers to the pension acwmulation fund. The Town is required to contribute at an actuarially determined rate. The actual contributions were equal to the actuarially required amounts and also Include additional contributions to fund various early retirement incentives made available to the Town employees. The credits and miscellaneous adjustments represent modification made by the ERS for prior year's contributions. The required contributions, for the Primary govemment, for the aurent year and two preceding years were: .2005 2004 2003 ERS $ 1,068,200 $ 992,023 $ 443,861 $ $ $ PFRS 1,016,937 679,079 240,756 The Town's contribution to the system was 100% of the contributions reqlftd each year. 6. POST EMPLOYMENT BENEFITS In addition to providing pension benefits, the Town provides health Insurance coverage and survivor benefits for retired employees and their survivors. Substantially all of the Town's employees may become eligible for these benefits If they reach normal retirement age while working for the Town. Health care benefits are provided through either a self-funded plan whose premiums are based on the benefits paid during the year or are provided in accordance wfth New York state Health Insurance Rules and Regulations (administered by the New York State Department of Civil Service) through the New York State Empire Plan (the "Empire Plan") whose premiums are based on the benefits paid throughout the Slate during the year. The Town recognizes the cost of providing benefits by recording its share of insurance premiums or the actual benefits paid as expenditure in the year paid. The Town's union contracts and ordinances require that it provide its eligible enrollees with benefit coverage under either the self-funded plan or the Empire Plan. Under the provisions of the Empire Plan, premiums are adjusted on a prospective basis for any losses experienced by the Empire Plan. The Town has the option to terminate its participation in the Empire Plan at any time without liability for its respective share of any previously incurred loss. During the 2005 year, $3,014,128 was paid on behalf of 88 retirees and 207 active employees and is recorded as an expenditure in the General Fund. 7. COMPENSATED ABSENCES Town employees are granted vacation and sick leave and earn compensatory absences In varying amounts. In the event of termination or upon retirement, an employee Is entitled to payment for accumulated vacation and sick leave and unused compensatory absences at various rates subject to certain maximum limitations. TOWN OF SOUTHOLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 C. DETAILED NOTES ON ALL FUNDS AND ACCOUNT GROUPS (continued) 7. COMPENSATED ABSENCES (continued) Estimated vacation, sick leave and compensatory absences accumulated by govemmental fund type employees have been recorded in the statements of net assets. Payment of vacation time and sick leave Is dependent upon many factors; therefore, timing of future payments Is not readily determinable. However, management believes that sufficient resources will be made available for the payments of vacation, sick leave and compensatory absences when such payments become due. As of December 31, 2005, the value of the accumulated vacation time and slck leave was $5,779,826 for the primary government. D. COMMITMENTS AND CONTINGENCIES Risk Management The Town Is self-insured for both medical Insurance and general liability insurance. The amount of medical claims outstanding at December 31, 2005 is $200,131. This amount has been reserved against fund balance In the General Fund. In common with other municipalities, the Town receives numerous notices of claims. Prior to 2005, coverage for bodily Injury and property damage was previoUSly wrillen on a primary non-self Insured retention ("SIR") basis. Insurance market conditions and availability precluded the Town from obtaining coverage In 2005 without an SIR. As a result, In 2005 the Town self-insured for bodily Injury and property damage up to a maximum of $50,000 per claim. The $50,000 limitation was the minimum retention amount available to the Town. Claims in excess of $50,000 are covered by excess liability policies providing coverage for $10,000,000 per occurrence and In the aggregate. Although the eventual outcome of these 2005 claims cannot presently be determined, the Town's third party administrator has estimated unsetUed claims at December 31, 2005 to be $94 thousand. These amounts have been reserved against fund balance in the General Fund. The Town Is of the opinion that the ultimate setUement of the outstanding claims will not result in a material adverse effect on the Town's financl8l position. Since 2005, there have been no significant reductions in insurance coverage as compared to the prior year; in addition there were no settlements on excess of Insurance coverage over the last three years. The Town Is also self-insured for unemployment benefits paid. Landfill Closure and Post-Closure Care Costs State and federal laws and regulations require the Town to place a final cover on its landfill sites and to perform certain maintenance and monitortng functions at the sites for thirty years after closure. The Town ceased accepting waste at its Culchogue landfill as of October 8, 1993. The Town entered into a stipulation of setUement with the New York State Department of Environmental Conservation In October of 1994 in which <III charges of operational violations at the Cutchogue I<lndfill were dropped. Under the stlpul<ltlon, the Town agreed to close and place <I final cover over the landfill and. to PllY a . civil penalty of $650,000 over seven years. Construction of the final cover commenced in the summer of 2001 <lnd was completed In the fall of 2003. In addition to placement of the fin<ll cover on the landfill, state <lnd federal regulations presently require the Town to perform certain maintenance and monitoring functions <It the site for up to thirty years. Accordingly, as of December 31, 2005 the Town has recorded a liability of $612,395 which represents the provision to be made In future budgets for posl-closure landfill costs. Actual costs may vary due to inflation or deflation, changes In technology, or changes in regul<ltlons or applicable laws. Actual costs associated with the placement of the fin<ll cover totaled $7,681,719. Financing for closure activities was provided through a $2,000,000 grant from the New York State Department of Environmental Conservation with the balance provided with <I state subsidized loan through the New York State Environmental F<lcilities Corporation. Costs associated with post closure care will be covered by charges to future landfill users and future tax revenue. - 32- ._~-~~.,,-,,<-->, TOWN OF SOUTH OLD NOTES TO FINANCIAL STATEMENTS December 31, 2005 D. COMMITMENTS AND CONTINGENCIES (continued) Lease Commitments and Leased Assets The Town leases property and equipment under operating leases. Total rental expenditures on such leases for the fiscal year ended December 31, 2005 were approximately $205,000. Future obligations over the primary terms of the Town's leases as of December 31, 2005 are as follows: 2006 2007 2008 2009 and thereafter Total $ 115,977 94,997 85,184 684.824 980 982 $ E. CONDENSED FINANCIAL STATEMENTS FOR THE DISCRETELY PRESENTED COMPONENT UNITS The following represents condensed financial statements for the discretely presented component units as of and for the year ended December 31,2005: Condensed Statement of Net Assels: Due from Capital Assets att. Current Prlmary Net of Current Lo'1l-Tenn Net District Assets Govemment DepreclaUon UablUties LisbIUties Assets Fishers Island Feny $ 333,136 $ 119,344 $ 15,757.994 $ 2,439,520 $ 2,700,000 $ 11,070,954 Fishers Island Refuse and Garbage 640,862 631,328 3,026,171 1,235,336 3,063,025 CUtchoguHlew Suffolk Pari< 125,728 28,382 124,218 28,382 249,948 Southold Pari< 21,550 63,400 646,159 65,677 667,438 OI1ent-East Marlon Pari< 4,182 5,559 432,985 16,002 426,724 MatlItucl< Pari< 190,451 85,771 1,204,103 141,156 155,000 1,184,169 OI1ent MosquKo 32,386 15,355 9,680 15,355 421066 $ 1,346,295 $ 949,145 $ 21,203,310 $ 3,941,428 $ 2,855,000 $ 16,704,322 Condensed Slatsmen! of _os: Program General R....... Net Assets Propeoty Distri<:l Expenses Revenue Net Expense Tax Other Change 1/1105 12131105 Fishers Island Ferry $ 2,714,385 $ 1.884,374 $ 830,011 $ 400,000 $ 2,026,871 $ (1.596,860) $ 9,474,094 $ 11,070,954 Fishers Island Refuse & Garbage 489,606 47,844 441,962 599,400 36,698 (194,136) 2,868,889 3,063,025 Cutchogue-New SuffoI< Pari< 138,633 138,633 141,000 2,850 (5,217) 244,729 249.946 SoutholdParI< 350,088 350,086 315,000 34,090 998 688,436 687,438 Orlent-East Marion Pari< 29,000 29,000 24,900 62 4,038 430,762 426,724 MallituckParl< 304,002 304,002 405,930 11,025 (112,953) 1.071,216 1,184,169 Orient Mosquito 60,371 60,371 74,850 401 (14,680) 27,386 42,068 $ 4,086,085 $ 1,932,018 $ 2,154,067 $ 1,960,880 $ 2,111,997 $ (1,918,810) $ 14,785,512 $ 18,704,322 I REQUIRED SUPPLEMENTARY INFORMATION OTHER THAN MANAGEMENT DISCUSSION AND ANALYSIS TOWN OF SOUTHOLD GENERAL FUND SCHEDULE OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCE - BUDGET AND ACTUAL Year ended December 31, 2005 Original Final Variance Budget Budget Actual PositiveJ(Negative ) REVENUES Real property taxes $14,608,674 $ 14,608,674 $ 14,608,674 Other real property tax items 66,000 66,000 68,807 2,807 Non-property tax items 401,035 401,035 415,071 14,036 Departmental income 349,900 349,900 345,956 (3,944) Intergovernmental charges 194,160 269,823 252,558 (17,265) Use of money and property 286,625 286,625 489,796 203,171 Licenses and permits 218,330 218,330 249,178 30,848 Fines and forfeitures 112,000 112,000 140,192 28,192 Sale of property and compensation for loss 45,350 70,025 93,290 23,265 Miscellaneous local sources 86,646 113,654 432,269 318,615 State aid 2,348,264 2,483,083 2,637,870 154,787 Federal aid 270,000 270,000 174,348 (95,652) Total Revenues 18,986,984 19,249,149 19,908,009 658,860 EXPENDITURES General government support 5,545,742 5,764,043 4,641,568 1,122,475 Public safety 6,889,518 7,189,570 7,177,145 12,425 Public health 33,300 33,300 33,288 12 Transportation 420,500 466,131 446,877 19,254 Economic assistance and opportunity 993,400 982,510 901,139 81,371 Culture and recreation 388,870 398,370 354,768 43,602 Home and community services 299,101 316,755 315,273 1,482 Employee benefits 5,811,949 5,888,274 5,857,963 10,311 Debt service - principal and interest 1,773,100 1,577,799 1,560,055 17,744 Total expenditures 22,155,480 22,596,752 21,288,076 1,308,676 Deficiency of Revenues Over Expenditures (3,168.496) (3,347,603) (1,380,067) 1,967,536 Other Financing Sources (Uses) Transfers in 5.488,341 5,559,682 2,642,859 (2,916,823) Transfers out (2,319,845) (2,212,079) (1,895,023) 317,056 Total Other Financing Sources (Uses) 3,168.496 3,347,603 747,836 (2,599,767) Excess (Deficiency) of Revenues and Other Sources Over Expenditures and Other Uses (632,231 ) $ (632,231) Fund Balance at Beginning of Year 6,639,693 Fund Balance at End of Year $ 6,007,462 See notes to the financial statements. -34- TOWN OF SOUTHOLD HIGHWAY FUND SCHEDULE OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL Year ended December 31, 2005 Original Final Variance REVENUES Budget BUdget Actual Positivel(Negative) Real Property Taxes $ 3,805,032 $ 3,805,032 $ 3,805,032 Other Real Property Tax lIems 3,600 3,600 8,935 5,335 Non-Property Tax lIems 111 111 Use of Money and Property 25,300 25,300 77,817 52,517 Licenses and Permils 5,000 5,000 11,126 6,126 Sale of Property and Compensation for Loss 1,000 1,000 2,796 1,796 Miscellaneous Local Sources 155,054 155,054 State Aid 223,700 223,700 188,147 (35,553) Total Revenues 4,063,632 4,063,632 4,249,018 185,386 EXPENDITURES Transportation 3,228,488 3,228,488 2,913,768 314,720 Employee Benefits 553,741 553,741 500,343 53,398 Debt Service - Principal and Interest 189,932 189,932 178,371 11,561 Total Expenditures 3,972,161 3,972,161 3,592,482 379,679 Excess of Revenues Over Expenditures 91,471 91,471 656,536 565,065 Other Financing Uses (Sources) Operating Transfers In 494,564 494,564 (494,564) Transfers Out (586,035) (586,035) (520,085) 65,950 Total Other Financing Uses (91,471 ) (91,471 ) (520,085) (428,614) Excess of Revenues Over Expenditures and Other Uses 136,451 $ 136,451 Fund Balance at Beginning of Year 920,396 Fund Balance at End of Year $ 1,056,847 See notes to the financial statements. _'-1"_ OTHER SUPPLEMENTARY INFORMATION TOWN OF SOUTHOLD COMBINING BAlANCE SHEET NON-MAJOR GOVERNMENTAL FUNDS December 31, 2005 East-West Fire Southold Fishers Solid Waste General Fund Special Protection Wastewater Island Sewer Management Part Town Grant District Olstrict District District Totals ASSETS Cash and investments $ 740,370 $ 27,767 $ 176,492 $ 30,994 $ 270,513 $1,246,136 Accounts recelvab1e, net of allowance 46,769 1,289 124,934 172,992 Due from other funds 152,519 92,199 4,752 325 463,244 733,039 Due from other governments $ 5,000 5,000 State and Federal Receivables Prepaid expenditures 26,686 27,338 54,024 Tolal Assets $ 966,344 $ 5.000 $ 119,966 $ 161,244 $ 32.608 $ 906,029 $2,211,191 LIABIUTlES ANO FUND EQUITY LIABILITIES Accounts payable $ 14,395 $ 5,000 $ 12,656 $ 62 $ 195,071 $ 227,184 Due to other funds 6,974 20,700 27,674 Deferred revenue 99,666 92,196 $ 4,587 355,783 552,234 Total Uabilltles 121,035 5,000 104,854 4,587 62 571,554 807,092 FUND EQUITY Fund balance - reserved: Prepaid expenses 26,686 26,686 Fund balance - unreserved: Designated. ensuing year's budget 344,246 4,350 348,596 Undesignated 474,377 10,762 176,657 32,546 334,475 1,028,817 Tolal Fund Equity 845,309 15,112 176,657 32,546 334,475 1,404,099 Tolal Liabilities and Fund Equity $ 986,344 $ 5,000 $ 119,966 $ 181,244 $ 32,608 $ 906,029 $2,211,191 -36- TOWN OF SOUTHOLD COMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - NON-MAJOR GOVERNMENTAL FUNDS Year ended December 31.2005 East-West Fire Southold Rshers Solid Waste General Fund Special Protection Wastewater Island Sewer Management Part Town Gillot District DIsIricl District District Totals REVENUES Real property taxes $ 538,773 $ 413,058 $ 137,450 $ 1,614 $ 1,290,440 $ 2,381,335 Other real property tax items 1,220 290 97 2 907 2,516 Non property tax hems 213,788 213,786 Departmental inoome 739,283 26,231 17,423 1,721,943 2,504,880 Intergovernmental charges 1,013 1,013 Use of money and property 28,321 2,689 6,666 1,190 25,226 64,092 Licenses and pennlts 5,200 160,785 185,965 Sale of property and compensation for loss 8,556 100,581 109,137 MIscellaneous local sources 74,427 4,621 74,543 153,591 Stateald 75,374 75,374 Federal aid $ 224,138 224,136 Total Revenues 1,684,940 224,138 416,037 175,065 20,229 3,375,418 5,895,825 EXPENDITURES General govemment support 99,895 99,895 Public safety 393,192 414,282 807,474 Public health 6,_ 6,884 Home and community services 563,269 224,755 1,648 29,598 2,283,171 3,102,639 Employee benefits 210,n6 212 233,870 444,858 Debt service - principal and interest 5,385 2,475 663,860 671,720 Total Expenditures 1,279,381 224,755 414,282 4,533 29,598 3,180,901 5,133,450 Excess (Deficiency) of Revenues Over Expenditures 405,559 (819) 1,755 170,532 (9,369) 194,517 762,375 Other Financing Uses: Operating transfers out (264,969) (239,751 ) (504,720) Total Other Financing Uses (264,989) (239,751) (504,720) Excess (DefIciency) of Revenues Over Expenditures and other Uses 140,590 (619) 1,755 170,532 (9,389) (45,234) 257,655 Fund Balance at Beginning ofVear 704,719 619 13,357 6,125 41,915 379,709 1,146,444 Fund Balances at End of Year $ 845,309 $ -0- $ 15,112 $ 176,657 $ 32,548 $ 334,475 $ 1,404,099 -37- DISCRETELY PRESENTED COMPONENT UNITS TOWN OF SOUTHOLO DISCRETELY PRESENTED COMPONENT UNITS COMBINING STATEMENT OF NET ASSETS December 31, 2005 Fishers Island Culdlogue- Southold Qrient-c88t Ma"llJcl< Orient Fishers Refuse and New Suffolk Po" Marlon Park Pa" Mosqullo lsiand Feny Garbogo DI&trlcl Parl<Dlotrlct District DIotrIct Dlslr1ct District District (Unoud~od) (Unaudited) (Unaudited) (Unoud~od) (UnaudIted) (Unaudited) Totals ASSETS Current Assets: Cuh and investments $ 259.882 $ 617.409 $ 125,728 $ 21.550 $ 4.182 $ 189,690 $ 32.386 $ 1.250,827 Acoounts receivable, net of allowance 3.561 3,561 Due from primary government 119,344 631.328 28,382 63.406 5,559 85,n1 15,355 949,145 Slate and fedenll receivables 48.767 48.767 Prepaid charges 24,487 19.892 781 45,140 Total CunentAssets 452.480 1 ,212.190 154,110 84,958 9.741 276,222 47,741 2,297.440 Non-Current As.ets: Non-depredable capital assets 11.203,523 2,442.737 101,198 588,847 432,985 515,306 15.284.596 Depreciable capital assets, net of depreciaUon 4.554.471 583.434 23.020 59,312 688.797 9.680 5.918.714 Total Assets 16,210,474 4.298.361 278.328 733.115 442.726 1.480.325 57,421 23.500,750 LlABIUTlES Current Liabilities: Accounts payable and 8ccnJOO lIab1l1t1eB 421.634 1,910 10,443 8,815 442,802 Accrued interest payable 62,371 1,570 63.941 Due to other govemments 2,271 2,271 Other liabilities Deferred revenue 60,515 113,426 28,382 63,408 5.559 85,n1 15.355 392,414 Due to other funds Bond enUdpatlon notes payable 1,725,000 1,120,000 2.845,000 Non-current liabilities due within one year General obligation bonds payable 150,000 45.000 195.000 Total Current Liabilities 2.439.520 1.236.336 28,382 55,8n 16,002 141.156 15.355 3.941.428 Noncurrent U.bllltles: General obligation bonds payable 2.700.000 155.000 2.855.000 Total Liabilities 5.139.520 1 ,235.336 28.382 65,617 16.002 296.156 15.355 6.796,428 NET ASSETS Investment in capital assets, net of nllated debt 11.182.994 1,906.171 1,004,103 14.093.268 Unrestricted (112.040) 1,156,854 249.946 667.438 426.724 180,066 42.066 2,611.054 Total Net Assets $ 11.070.954 $ 3,063.025 $ 249.946 $ 667.438 $ 426,724 $ 1,184.169 $ 42,066 $ 16.704,322 -38- TOWN OF SOUTHOLD DISCRETELY PRESENTED COMPONENT UNITS COMBINING STATEMENT OF ACTIVmES Year ended December 31.2005 Fishers Island CUtcho9Ue- Southold Orient-East Mattltuck Orient Fishers Refuse and New Suffolk Park Marion Park Park Mosquito Island Ferry Garbage DIstrict Park Dislricl D1sbict Dlsbict Dlsbict Disbict District (Unaudfted) (Unaudited) (Unaudfted) (Unaudited) (Unaudfted) (Unaudited) Totals REVENUES Program revenues $ 1,864,374 $ 47,844 $ 1,932,018 Real property taxes 400,000 599,400 $ 141,000 $ 315,000 $ 24,900 $ 405,930 $ 74,650 1,960,880 other real property tax items 281 285 566 Miscellaneous revenue, other governments 18,449 18,449 Interest and earnings 17,420 36,698 2,850 62 11,432 401 68,863 State Aid 684 684 Federal Aid 1,983,139 1,983,139 other 6,898 34,090 (692) 40,296 Total Revenues 4,311,245 883,742 143,850 349,090 24,962 416,955 75,051 6,004,895 EXPENSES General government support 80,610 80,810 PubUc health 60,371 60,371 Transportation 2,532,192 2,532,192 Culture and recreation 138,633 350,088 29,000 296,780 814,501 Home and community services 16,942 478,890 495,832 Interest 64,641 10,716 7,222 102,579 Total Expenses 2,714,385 489,606 138,633 350,088 29,000 304,002 60,371 4,086,085 Changes In Net Assets 1,598,860 194,136 5,217 (998) (4,038) 112,953 14,680 1,918,810 Net Assets at Beginning of Vear 9,474,094 2,868,889 244,729 668,438 430,762 1,071,216 27,386 14,785,512 Net Assets at End ofVesr $11,070,954 $ 3,063,025 $ 249,948 $ 667,438 $ 426.724 $ 1.184.169 $ 42,068 $16,704,322 -~ OTHER REPORTS TOWN OF SOUTHOLD SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS December 31, 2005 FEDERALGRANTO~PASS THROUGH GRANTORIPROGRAM TITLE U.S. Deoartment of Health & Human Services Passed throuoh Suffolk Countv: Nutrition Services Incentive Program U.S Deoartment of Health & Human Services Passed throuoh Suffolk Countv: Nutrition U.,S. Deoartment of Homeland Security Passed throuoh the State of New York Buffer Zone Protection Plan U.S Deoartment of Aoricullure Natural Resouce Conservation Service Farm & Ranchland Protection Program U.S Deoartment of Housino and Urban Develooment Passed throuoh Suffolk Countv: Community Development Block Grant U.S Deoartment of the Interior Fish and Wildlife Service Passed throuoh the State of New York Deoartment of Environmental Conservation: Coastal Wetlands Conservation Grant -40- FEDERAL CFDA NUMBER EXPENDITURES 93.053 $ 21,174 93.045 103,174 97.078 so,ooo 10.913 510,539 14.218 224,136 15.614 1,000,000 $ 1,909,023 TOWN OF SOUTHOLD NOTE TO SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS December 31, 2005 Note A - Basis of Presentation The accompanying schedule of expenditures of federal awards includes the federal grant activity of the Town of Southold and is presented on the modified accrual basis of accounting. The Information In this schedule is presented in accordance with the requirements of OMB Circular A-133, Audits of States, Local Governments, and Non-Profit Organizations. Therefore, some amounts presented in this schedule may differ trom amounts presented in, or used in the preparation of, the basic financial statements. -41- CERTIFIED PUBLIC ACCOUNTANTS. BUSINESS ADVISORS AND CONSULTANTS 25 Suffolk Court, Hauppauge, New furk 11788 631.434.9500 . Fax 631.434.9518 wwmQvz.com REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS . Town Board Town of Southord Southold, New York We have audited the financial statements of the governmental activities, each major fund, and the aggregate remaining fund Information of the Town of Southold, New York as of and for the year ended December 31, 2005, which collectively comprise the Town of Southold's basic financial statements, and have Issued our report thereon dated June 8, 2006, which was qualified because the Town of Southold's discretely presented component units with the exception of one, the Fishers Island Ferry District, were not audited as of the report date. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards appflCable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Internal Control Over Financial Reoortil1<l In planning and performing our audit, we considered the Town of Soulhold, New York's intemal control over financial reporting In order to determine our auditing procedures for the purpose of expressing our opinions on the financial statements and not to provide assurance on the intemal control over financial reporting. Our consideration of the internal control over financial reporting would noI necessarily disclose all matters in the internal conrol over financial reporting that might be material weaknesses. A material weakness is a condition in which the design or operation of one or more of the internal control components does not reduce to a relatively low level the risk that misstatements in amounts that would be material in relation to the financial statements being audited may occur and not be detected within a timely period by employees in the normal course of performing their assigned functions. We noted no matters involving the inlemal control over financial reporting and its operation that we consider to be material weaknesses. Comoliance and Other Matters As part of obtaining reasonable assurance about whether the Town of Southold's financial statements are free of malarial misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts, and grants, noncompliance with which could have a direct and material effect on the determination of. financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance that are required to be reported under Government Auditing Standards. This report is intended solely for the information of the Town Board, management, others within the organization, and federal awarding agencies and pass-through entities and is not intended to be and should not be used by anyone other than those specified parties. Qj.(.....u-, ~ ( 2... . Iv -r ~I R (; Hauppauge, New York June 8, 2006 - 42 - ALBRECHT, VIGGIANO, ZURECK & COMPANY, P.C. ___ .:llUlfMDlUltOF'1!IKR 1h.4h--.lDIW.. CERTIFIED PUBLIC ACCOUNTANTS. BUSINESS AOVISORS AND CONSULTANTS 25 Suffolk Court, Hauppauge, New York 11788 631.434.9500 . Fax 631.434.9518 WW'W.avz.com REPORT ON COMPLIANCE WITH REQUIREMENTS APPLICABLE TO EACH MAJOR PROGRAM AND INTERNAL CONTROL OVER COMPLIANCE IN ACCORDANCE WITH OMB CIRCULAR A-133 Town Board Town of Southold . Southold, New York Compliance We have audited the compliance of the Town of Southold, New York with types of compliance requirements described In the U. S. Office of Management and Budget (OMB) Cirwlar A-133 Compliance Supplement that are applicable to each of its major federal programs for the year ended December 31, 2005. The Town of Sou1hold's major federal programs are Identified in the summary of auditor's results section of the accompanying schedule of findings and questioned costs. Compliance with the requirements of laws, regulations, contracts, and grants applicable to each of Its major federal programs Is the responsibility of the Town of Soulhold, New York's management Our responsibility Is to express an opinion on the Town of Southold, New York's compliance based on our audit. We conducted our audit of compliance In accordance with auditing standards generally accepted In the United States of America; the standards applicable to financial audits contained In Government Auditing standards, issued by the Comptroller General of the United Slates; and OMB Circular A-l33, Audits of states, Lacel Governments. and Non-Profit Organizations. Those standards and OMB Circular A-133 require that we plan and perform the audit to obtain reasonable assurance about whether noncompliance with the types of corripfiance requirements referred to above that could have a direct and material effect on a major federal program occurred. An audit includes examining, on a test basis, evidence about the Town of Southold, New York's compliance with those requirements and performing such other procedures as we considered necessary In the circumstances. We believe that our audit provides a reasonable basis for our opinion. Our audit does not provide a legal determination of the Town of Southold, New York's compliance with those requirements. In our opinion, the Town of Southold, New York complied, in all material respects, with the requirements referred to above that are applicable to each of its major federal programs for the year ended December 31, 2005. Internal Control Over Comoliance The management of the Town of Southold is responsible for establishing and maintaining effective internal control over compliance with the requirements of laws, regulations, contracts, and grants applicable to federal programs. In planning and perfonning our audit, we considered the Town of Southold's internal control over compliance with requirements that could have a direct and material effect on a major federal program In order to determine our auditing procedures for the purpose of expressing our opinion on compliance and to test and report on the internal control over compliance in accordance with OMB Circular A-l33. Our consideration of the internal control over compliance would not necessarily disclose all matiers in the internal control that might be a material weakness. A material weakness is a condition in which the design or operation of one or more of the internal control components does not reduce to a relatively low level the risk of noncompliance with appficable requirements of laws, regulations, contracts and grants that would be material in relation to a major federal program being audited may occur and not be detected within a timely period by employees in the nonnal course of performing the assigned functions. We noted no matiers involving the internal control over comprlance and its operation that we consider to be material weaknesses. -43- ALBRECHT, V1001At10. ZuRECK & CoMfWlY, P.C. &_ 1IlIII'fMDilMiROI'ISICR~ This report is intended solely for the information of the Town Board, management, others within the organization. and federal awarding agencies and pass-through entities and is not intended to be and should not be used by anyone other than those specified parties. ~I \f~1 ~. .I.~ J- Cr;, t'.G Hauppauge. New York June 8, 2006 -44" TOWN OF SOUTHOLD SCHEDULE OF FINDINGS AND QUESTIONED COSTS Year ended December 31,2005 SUMMARY OF AUDIT RESULTS 1. The auditor's report expresses a qualified opinion on the financial statements of the Town of Southald due to the fact that six of the seven component units of the Town of Southold that were discretely presented were not audited. The remaining component unit, the Rshers Island Ferry District, was audited by other auditors. 2. No reportable conditions disclosed during the audit of the financial statements are reported in the "REPORT ON COMPLIANCE AND ON INTERNAL CONTROL OVER FINANCIAL REPORTING BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS". None of the conditions are reported as a material weakness. 3. No instances of noncompliance material to the financial statements of the Town of Southald were disclosed during the audit. 4. No reportable conditions disclosed during the audit of the major federal award programs are reported in the "REPORT ON COMPLIANCE WITH REQUIREMENTS APPLICABLE TO EACH MAJOR PROGRAM AND ON INTERNAL CONTROL OVER COMPLIANCE IN ACCORDANCE WITH OMB CIRCULAR A- 133". No material weaknesses were noted. 5. The auditor's report on compliance for the U.S. Department of the Interior- Fish and Wildlife Service expresses an unqualified opinion; the report on the remaining programs are unqualified. 6. No audit findings relative to the major federal award programs for the Town of Southold are reported in this schedule. 7. The Town of Southold had two "Type A" programs for the year ended December 31, 2005. 8. The program tested as a major program includes: CFDA Number Name of Federal Proaram or Cluster 15.614 U.S. Department of the Interior Fish and Wildlife Service 9. The threshold for distinguishIng Types A and B programs was $500,000. 10. The Town of Southald was determined to be a low-risk aud/tee. -45- TOWN OF SOUTHOLD SCHEDULE OF FINDINGS AND QUESTIONED COSTS Year ended December 31, 2005 FINDINGS-FINANCIAL STATEMENTS AUDIT REPORTABLE CONDITIONS - FINDINGS AND QUESTIONED COSTS- MAJOR FEDERAL AWARD PROGRAMS AUDIT- Questioned Cost -46- None None $ __~_~"'~_'~-_-0'_',~ APPENDIX C INSURANCE ON THE BONDS AMBAC ASSURANCE Payment Pursuant to Financial Guaranty Insurance Policy Ambac Assurance Corporation ("Ambac Assurance") has made a commitmentto issue a financial guaranty insurance policy (the "Financial Guaranty Insurance Policy") relating to the Bonds effective as ofthe date of insurance of the Bonds. Under the terms of the Financial Guaranty lnsurance Policy, Ambac Assurance will pay to The Bank of New York, in New York, New York or any successor thereto (the "Insurance Trustee"), that portion of the principal of and interest on the Bonds which shall become Due for Payment but shall be unpaid by reason of Nonpayment by the Obligor (as such terms are defined in the Financial Guaranty Insurance Policy). Ambac Assurance Will make such payments to the Insurance Trustee on the later of the date on which such principal and/or interest becomes Due for Payment or within one business day following the date on which Ambac Assurance shall have received notice of Nonpayment from the Trustee/Paying Agent. The insurance will extend for the term of the Bonds and, once issued, cannot be canceled by Ambac Assurance. The Financial Guaranty Insurance Policy will insure payment only on stated maturity dates and on mandatory sinking fund installment dates, in the case of pnncipal, and on stated dates for payment, in the case of interest. If the Bonds become subject to mandatory redemption and insufficient funds are available for redemption of all outstanding Bonds, Ambac Assurance will remain obligated to pay principal of and interest on outstanding Bonds on the originally scheduled interest and principall'ayment dates including mandatory sinking fund redemptIOn dates. In the event of any acceleration of the principal of the Bonds, the insured payments will be made at such times and in such amounts as would have been made had there not been an acceleration, except to the extent that Ambac Assurance elects, in its sole discretion, to pay all or a portion of the accelerated principal and interest accrued thereon to the date of acceleration (to the extent unpaid by the Obligor). Upon payment of all such accelerated principal and interest accrued to the acceleration date, Ambac Assurance's obligations under the Financial Guaranty Insurance Policy shall be fully discharged. In the event the Trustee/Paying Agent has notice that any payment of principal of or interest on a Bond that has become Due for Payment and that is made to a Bondholder by or on behalf of the Obligor has been deemed a preferential transfer and theretofore recovered from its registered owner pursuant to the United States Bankruptcy Code in accordance with a final, nonappealable order of a court of competent jurisdiction, such registered owner will be entitled to payment from Ambac Assurance to the extent of such recovery if sufficient funds are not otherwise available. The Financial Guaranty Insurance Policy does not insure any risk other than Nonpayment, (as set fourth in the Financial Guaranty Insurance Policy). Specifically, the Financial Guaranty Insurance Policy does not cover: I. payment on acceleration, as a result of a call for redemption (other than mandatory sinking fund redemption) or as a result of any other advancement of maturity. 2. payment of any redemption, prepayment or acceleration premium; and 3. nonpayment of principal or interest caused by the insolvency or negligence of any Trustee, Paying Agent or Bond Registrar, if any. Ifit becomes necessary to call upon the Financial Guaranty Insurance Policy, payment of principal requires surrender of Bonds to the Insurance Trustee together with an appropriate instrument of assignment so as to permit ownership of such Bonds to be registered in the name of Ambac Assurance to the extent of the payment under the Financial Guaranty Insurance Policy. Payment of interest pursuant to the Financial Guaranty Insurance Policy requires proof of Bondholder entitlement to interest payments and an appropriate assignment of the Bondholder's right to payment to Ambac Assurance. Upon payment of the insurance benefits, Ambac Assurance will become the owner of the Bond, appurtenant coupon, if any, or ri~t to payment of principal or interest on such Bond and will be fully subrogated to the surrendering Bondholder s rights to payment. The insurance provided by the Financial Guaranty Insurance Policy is not covered by the property/casualty insurance security fund specified by the insurance laws of the State of New York. AMBAC ASSURANCE CORPORATION Ambac Assurance is a Wisconsin-domiciled stock insurance corporation regulated by the Office of the Commissioner of Insurance of the State of Wisconsin, and is licensed to do business in 50 states, the District of Columbia, the Territory of Guam, the Commonwealth of Puerto Rico and the U.S. Virgin Islands, with admitted assets of approximately $10,015,000,000 (unaudited) and statutory capital of approximately $6,371,000,000 (unaudited) as of December 31, 2006. Statutory capital consists of Amoac Assurance's policyholders' surplus and statuto~ contingency reserve. Standard & Poor's Ratings Services, a division of The McGraw-Hili Companies, Inc., Moody s Investor Service and Fitch Ratings have each assigned a triple-A financial strength rating to Ambac Assurance. Ambac Assurance has obtained a ruling from the Internal Revenue Service to the effect that the insuring of an obligation by Ambac Assurance will not affect the treatment for federal income tax purposes of interest on sl!ch obligation and that insurance proceeds representing maturing interest paid by Ambac Assurance under pohcy provisions substantially identical to those contained in its Financial Guaranty Insurance Policy shall be treated for federal income tax purposes in the same manner as if such payments were made by the Obligor of the Bonds. Ambac Assurance makes no representation regarding the Bonds or the advisability of investing in the Bonds and makes no representation regardmg, nor has it participated in the preparation of, the Official Statement other than the information supplied by Ambac Assurance and presented under the heading "Appendix C". AVAILABLE INFORMATION The parent company of Ambac Assurance, Ambac Financial Group, Inc. (the "Comeany"), is subject to the informational requirements of the Securities Exchange Act of 1934, as amended (the 'Exchange Act"), and in accordance therewith files reports, proxy statements and other information with the Securities and Exchan*e Commission (the "SEC"). These reports, proxy statements and other information can be read and copied atthe SEC s public reference room at 100 F Street, N.E., Room 1580, Washington, D.C. 20549. Please call tlie SEC at 1-800- SEC-0330 for further information on the public reference room. The SEC maintains an internet site at http://www.sec.gov that contains reports, proxy and information statements and other information regarding companies that file electronically with the SEC, including the Company. These reports, proxy statements and other information can also be read at the offices of the New York Stock Exchange, Inc., at 20 Broad Street, New York, New York 10005. Copies of Ambac Assurance's financial statements prepared in accordance with statutory accounting standards are available from Ambac Assurance. The address of Ambac Assurance's administrative offices and its telephone number are One State Street Plaza, 19th Floor, New York, New York, 10004 and (212) 668-0340. INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE The following document filed by the Company with the SEC (File No. 1-10777) is incorporated by reference in this Official Statement: The Company's Annual Report of Form 10-K for the fiscal year ended December 31, 2006 and filed on March 1,2007. All documents subsequently filed by the Company pursuant to the requirements of the Exchange Act after the date of this Official Statement will be available for inspection in the same manner as described above in "AVAILABLE INFORMATION". Ambac Ambac Assurance Corporation One State Street Plaza, 15th Floor New York, New York 10004 Telephone: (212) 668-0340 Financial Guaranty Insurance Policy Obligor: Polley Number: Obligations: Premium: Ambac Assurance Corporation (Ambac). a Wlscons1n stock insurance corporation, in consideration of the pa, ent of the premium and subject to the terms of this POllcy, hereby agrees to pay to The Bank of New York, as trustee, or its u essor (the ~Insurance Trustee"), for the benefit of the Holders, that portion of the principal of and interest on the above-desert 0 19ations (the "Obligations") which shall become Due for Payment but shall be unpaid by reason of Nonpayment b e Obligo Ambac will make such payments to the Insurance Trustee within one (1) business day following p;, Nonpayment. Upon a Holder's presentation and surrender to the Insurance Trustee of such unpa! uncanceled and In bearer form and free of any adverse cla1m, the Insurance Trustee will d principal and interest which is then Due for Payment but is unpaid. Upon such disburse the surrendered Obligations and/or coupons and shall be fully subrogated to all of th Ho e In cases where the ObItgations are issued in registered form, the Insurance Trustee 01 er only upon presentation and surrender to the Insurance Trustee of the unpaid Obligation, un v claim, together with an instrument of assignment, in form satisfactory to Ambac and nsurance the Holder or such Holder's duly authorized representative, so as to pennit ownership of s h aHon i e name of Ambac or its nominee. The Insurance Trustee shall disburse interest to a er a n 0 y upon presentation to the Insurance Trustee of proof that the claimant is the person entitle 0 he p toe Obligation and deItvery to the Insurance Trustee of an instrument of assignment, in form satlsfac to b nsurance Trustee, duly executed by the Holder or such Holder's duly authorized representa rrin t Am c under such Obligation to receive the interest in respect of which the insurance disburs t was de. subrogated to all of the Holders' rights to payment on registered Obligations to the extent 0 y insurance disbu made. In the event that a trustee or paying noti that any payment of principal of or interest on an Obligation which has become Due f. t a Holder by or on behalf of the Obligor has been deemed a preferential transfer and theretofo r vered f m t t to the United States Bankruptcy Code in accordance with a final, nonappealable order of a u of co Holder will be entitled to payment from Ambac to the extent of such recovery if sufficie nds As used herein, the 0 er than (i) the Obligor or (11) any person whose obligations constitute the underlying secur gations who, at the time of Nonpayment, is the owner of an Obligation or of a coupon relating in, "Due for Payment", when referring to the principal of Obligations, is when the sch tu mandat emption date for the application of a required sinking fund installment has been reach not fer any earlier date on which payment is due by reason of call for redemption (other than byappl1cation of r red sinking fu tallments), acceleration or other advancement of maturity; and, when refemng to interest on the Db g tions e e uled date for payment of interest has been reached. As used herein, "Nonpayment" means the failure of tie ro d sufficient funds to the trustee or paying agent for payment in full of all prtncipal of and interest on the igations ch are Due for Payment, This Pol elable. The premium on this Policy is not refundable for any reason, including payment of the Obligations prtor to . This Poltcy does not insure against loss of any prepayment or other acceleration payment which at any time may become due in respect of any Obligation, other than at the sole option of Ambac, nor against any rtsk other than Nonpayment. In witness whereof, Ambac has caused this Policy to be affixed with a facsimile of its corporate seal and to be signed by its duly authorized offtcersin facsimile to become effective as its original seal and signatures and binding upon Ambac by virtue of the countersignature of its duly authortzed representative. fJ/~ President .....,...... ..~~...NC'f ~" '7' 't'iji.1O~,;.......o, ,t . ...... ,~~. - ..y.... ~I \-. ,. SElL .0, , t ,11:. S : , , \ ! ~ "\ _ ill . /1 '.. .........'Jco"..~.... ~ ", ......-- . "".... ~~.~ Secretary Effective Date: AuthOrized Representative A- THE BANK OF NEW YORK ackoowledges that It has agreed to perform the duties of Insurance Trustee under this Policy. Form No.: 28-0012 (1101) Ambac Ambac Assurance Corporation One State Street Plaza, New York, New York 10004 Telephone: (212) 668-0340 Endorsement Policy tor: Attached to and forming part of Policy No.: The insurance provided by this Policy is not covered fund specified by the insurance laws of the State N ter, waive or extend any of the terms, conditions, provisions, agreements other than as above stated, , Amhac has caused this Endorsement to be aftlxcd with a facsimile of its corporate seal and to ized officers in facsimile to become effective as its original seal and signarures and binding le cOlmtersignature of its dilly authorized representative. Anlbac "-uraaa: Corporation f~! /2L-. .......,...... ""'.,)....~f~\ ,~~::Qi1O......r.~~.o' I';"'" f'". 'flt ,~ - '--....... If '" I. SEAL '., .. I :"- , : : , \ : i . \ _:1 . \ .... , . '. "" . . , .....~t.tco,,'~...... . , ......-. . '.......... ~~~ Presidenl Secretary Authorized Representative f'"ormNo.: 28-0004 (7/97) . UNITED STATES OF AMERICA STATE OF NEW YORK COUNTY OF SUFFOLK TOWN OF SOUTH OLD BOND ANTICIPATION NOTE FOR VARIOUS PURPOSES-1998 The Town of Southold, in the County of Suffolk, a municipal corporation of the State of New York, hereby acknowledges itself indebted and for value received promises to pay to Hare & Co., the register owner hereof, the sum of NINE HUNDRED NINETY-SIX THOUSAND DOLLARS ($996,000) on the 17th day of September, 1999, together with interest thereon from the date hereof at the rate of three and fifty-two hundredths per centum (3.52%) per annum, payable at maturity. Both principal of and interest on this Note will be paid in lawful money of the United States of America, at the office of the Town Clerk, Town Hall, I Southold, New York. This Note is the only Note of an authorized issue, the principal amount of which is $996,000. This Note is issued pursuant to \be prpvisil'ns of the;{.ocal Finance Law, constituting Chapter 33-a of the Consoljdat'jd La';:fs o(the:3tate)>f Jlidw Y'Ork, ten bond ~solutions adopted by the Town Board on their respective dates, authorizing the issuance of serial bonds for various purposes, and the Certificate of Determination executed by the Supervisor on September 18, 1998. This Note has been designated by the Town as a qualified tax-exempt obligation pursuant to the provisions of Section 265 of the Internal Revenue Code of 1986, as amended. The faith and credit of such Town of Southold are hereby irrevocably pledged for the punctual payment of the principal of and interest on this Note according to its terms. It is hereby certified and recited that all conditions, acts and things required by the Constitution and statutes of the State of New York to exist, t have happened and to have been performed precedent to and in the issuance of this Note, exist, have happened and have been performed, and that this Note, together with all other indebtedness of such Town of Southold, is within every debt and other limit prescribed by the Constitution and laws of such State. IN WITNESS WHEREOF, the Town of Southold has caused this Note to be signed by its Supervisor, and its corporate seal (or a facsimile thereof) to be affixed, impressed, imprinted, engraved, or otherwise reproduced hereon and attested by its Town Clerk and this Note to be dated as of September 18, 1998. (SEAL) I ATTEST: ".f:. . ',;." " .:.J'. . . AFFIDAVIT AS TO NO CONFLICT OF INTEREST STATE OF NEW YORK ) :ss: COUNTY OF SUFFOLK ) Elizabeth A. Neville, being duly sworn upon her oath deposes and says: 1. I am the duly elected, qualified and acting Town Clerk of the Town of Southold, in the County of Suffolk, New York (herein and in Schedule A annexed hereto called "Town"); 2. That with respect to the contract of sale of the Note of the Town described in the Certificate of Determination executed by the Supervisor on the 18th day of September, 1998 to the financial institution indicated in such Certificate, I have made a careful inquiry of each officer and employee of the Town having the power or duty to (a) negotiate, prepare, authorize or approve the contract or authorize or approve payment thereunder, (b) audit bills or claims under the contract or (c) appoint an officer or employee who has any of the powers or duties set forth above, as to whether or not such officer or employee has an interest (as defined pursuant to Article 18 of the General Municipal Law) in such contract; 3. That upon information and belief, as a result of such inquiry, no such officer or employee has any such interest in said contract, unless otherwise noted in Schedule A annexed hereto and by this reference made a part hereof. ~hH402~d6. Town Cle k Subscribed and sworn to before me this 18th day of September, 1998. N~1/"P~~liC:.I~~~h o~ New York UNDAJ. COOPER NoIIIry Public, Stat. of New York No. 4822563, Suffolk County 9.' C--' rerm Expires December 31. 19..:..!2 "~1~'" ~ 223880.1 015832 CERT . . SCHEDULE A 1. , is a stockholder of the Purchaser, owning or controlling, directly or indirectly, less than five per centum (5%) of the outstanding stock thereof but no disclosure of such interest by said officer is required pursuant to said Law. 2. , has an interest in the Purchaser, solely by reason of employment as an officer or employee thereof, but the remuneration of such employment will not be directly affected as a result of said contract and the duties of such employment do not directly involve the procurement, preparation or performance of any such part of such contract. 3. , has publicly disclosed the nature and extent of such interest in writing to the governing board of the Town. Such written disclosure has been made a part of and set forth in the official record of proceedings of the Town. 223880.1 015832 CERT I I . . CERTIFICATE OF DETERMINATION BY THE SUPERVISOR RELATIVE TO AUTHORIZATION, SALE, ISSUANCE, FORM AND CONTENTS OF THE $996,000 BOND ANTICIPATION NOTE FOR VARIOUS PURPOSES-1998 OF THE TOWN OF SOUTHOLD, NEW YORK. I, Jean W. Cochran, Supervisor of the Town of Southold, New York (herein called the "Town"), HEREBY CERTIFY that pursuant to the powers and duties delegated to me as the chief fiscal officer of the Town, by the Town Board of the Town, pursuant to the resolution duly adopted and as referred to in paragraph 1 to 7, inclusive, hereof, and subject to the limitations prescribed in said resolution, I have made the following determinations: 1. A bond anticipation note of the Town in the principal amount of $35,000 shall be issued to renew, in part, the $70,400 bond anticipation note dated September 18, 1997, maturing September 18, 1998, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted February 24, 1994, authorizing, for use by the Town Highway Department, the purchase of (1) a three yard payloader at the estimated maximum cost $78,500 and (2) a street sweeper at the estimated maximum cost of $106,500, stating the estimated total cost thereof is $185,000, appropriating said amount therefor, authorizing the issuance of $185,000 serial bonds of said Town to finance said appropriation and authorizing the proceeds of sale of the Town's existing payloader and street sweeper to be applied to said cost," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $70,400 bond anticipation note having been heretofore provided to the extent of $35,400 from a source other than the proceeds of serial bonds. 2. A bond anticipation note of the Town in the principal amount of $9,000 shall be issued to renew, in part, the $18,000 bond anticipation note dated September 18, 1997, maturing September 18, 1997, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted September 6, 1994, authorizing the 223880.1 015832 CERT . . construction of road improvements in the Town, appropriating $50,000 therefor, and authorizing the issuance of $50,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $18,000 bond anticipation note having been heretofore provided to the extent of $9,000 from a source other than the proceeds of serial bonds. 3. A bond anticipation note of the Town in the principal amount of $180,000 shall be issued to renew, in part, the $240,000 bond anticipation note dated September 18, 1997, maturing September 18, 1997, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted June 25, 1996, authorizing the acquisition of equipment for the Southold Solid Waste Management District, in said Town, stating the estimated total cost thereof, including preliminary costs and costs incidental thereto and to the financing thereof in the amount of $10,000, is $300,000; appropriating said amount therefor; and authorizing the issuance of $300,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $240,000 bond anticipation note having been heretofore provided to the extent of $60,000 from a source other than the proceeds of serial bonds. 4. A bond anticipation note of the Town in the principal amount of $320,000 shall be issued to renew, in part, the $400,000 bond anticipation note dated September 18, 1997, maturing September 18, 1998, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted April 15, 1997, authorizing the acquisition and installation of computer equipment, including software, in order to upgrade the existing computer system of the Town; stating the estimated maximum cost thereof is $400,000; appropriating said amount therefor and authorizing the issuance of $400,000 serial bonds of said Town to finance said appropriation," 223880.1 015832 CERT . . duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $400,000 bond anticipation note having been heretofore provided to the extent of $80,000 from a source other than the proceeds of serial bonds. 5. A bond anticipation note of the Town in the principal amount of $72,000 shall be issued to renew, in part, the $90,000 bond anticipation note dated September 18, 1997, maturing September 18, 1998, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted February 20, 1997, appropriating the amount of $90,000 for the acquisition of a payloader for the Southold Solid Waste Management District, in said Town, stating the estimated maximum cost thereof is $90,000 and authorizing the issuance of $90,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $90,000 bond anticipation note having been heretofore provided to the extent of $18,000 from a source other than the proceeds of serial bonds. 6. A bond anticipation note of the Town in the principal amount of $210,000 shall be issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted July 7, 19987, appropriating the acquisition of the certain pierce or parcel of land containing 13.85 acres, more or less, situate on the west side of Peconic Lane, in the Town of Southold, at the estimated maximum cost of $210,000, including preliminary costs and costs incidental thereto to the financing thereof in the amount of $10,000, said land to be used for public park purposes; appropriating $210,000 therefor and authorizing the issuance of $210,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to. 7. A bond anticipation note of the Town in the principal amount of $170,000 shall be issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: 223880.1 015832 CERT . . "Bond Resolution of the Town of Southold, New York, adopted May 12, 1998, authorizing the acquisition and installation of a computer system for use by the Police Department; stating the estimated maximum cost thereof is $170,000; appropriating said amount therefor and authorizing the issuance of $170,000 serial bonds of said Town to financed said appropriation," duly adopted by the Town Board on the date therein referred to. 8. Said $35,000 note, said $9,000 note, said $180,000 note, said $320,000 note, said $72,000 note, said $210,000 note, and said $170,000 shall be combined for the purpose of sale into a single note issue in the aggregate principal amount of $996,000 (hereinafter referred to as the "Note"). 9. as follows: The terms, form and details of said Note shall be Amount and Title: $996,000 Bond Anticipation Note for Various Purposes-1998 Dated: September 18, 1998 Matures: September 17, 1999 Number and Denomination: No. 5R-1, at $996,000 Interest Rate per annum: 3.52% 10. The amount of bond anticipation notes originally issued in anticipation of the issuance of serial bonds authorized pursuant to the bond resolutions referred to in paragraphs 1 to 7, inclusive, hereof, including the Note, is, respectively, (1) $176,000, (2) $50,000, (3) $81,448, (4) $300,000, (5) $400,000 (6) $210,000 and (7) $170,000, and the amount of bond anticipation notes which will be outstanding after the issuance of the Note, including said Note, will be, respectively, (1) $35,000, (2) $35,400, (3) $9,000, (4) $180,000, (5) $320,000, (6) $210,000 and (7) $170,000. 11. The serial bonds authorized pursuant to the resolutions referred to in paragraphs 1, 4 and 5, inclusive, hereof, are for improvements which are assessable, and the serial bonds authorized pursuant to the resolutions referred to in paragraphs 2, 3, 6, and 7, hereof, are for improvements which are non-assessable. 223880.1 015832 CERT . . 12. Pursuant to said powers and duties delegated to me, I DO HEREBY AWARD AND SELL said Note to Fleet Bank, Melville, New York, for the purchase price of $996,000, plus accrued interest, if any, from the date of said Note to the date of delivery thereof, said note to be payable to Hare & Co., as registered owner, and I FURTHER DETERMINE that said Note shall be payable as to both principal and interest at the office of the Town Clerk, Town Hall, Southold, New York, and shall bear interest at the rate of three and fifty-two hundredths per centum (3.52%) per annum, payable at maturity. 13. Said Note shall be executed in the name of the Town by its Supervisor and the corporate seal of the Town (or a facsimile thereof) shall be affixed, impressed, imprinted, engraved or otherwise reproduced thereon and attested by its Town Clerk. I HEREBY FURTHER CERTIFY that the powers and duties delegated to me to issue and sell the Note hereinabove referred to are in full force and effect and have not been modified, amended or revoked. IN WITNESS WHEREOF, I have hereunto set my hand this 18th day of September, 1998. ~\:J C-,,~ Superv~sor 223880.1 015832 CERT . . CLERK'S CERTIFICATE I, Elizabeth A. Neville, Town Clerk of the Town of Southold, in the County of Suffolk, New York, HEREBY CERTIFY that I have compared the foregoing copy of the certificate of Determination executed by the Supervisor and the same is a true and complete copy of the certificate filed with said Town in my office as Town Clerk on the 18th day of September, 1998; and I FURTHER CERTIFY that no resolution electing to reassume any of the powers or duties mentioned in said certificate and delegated to the Supervisor by the resolution cited in said certificate has been adopted by the Town Board of the Town. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the corporate seal of said Town this 18th day of September, 1998. (SEAL) ~/~-IO ~d/~ Town Cler 223880.1 015832 CERT . . ARBITRAGE AND USE OF PROCEEDS CERTIFICATE I, Jean w. Cochran, Supervisor of the Town of Southold, in the County of Suffolk, New York (the "Issuer"), HEREBY CERTIFY and reasonably expect with respect to the issuance of the Issuer's $996,000 Bond Anticipation Note for Various Purposes- 1998, being a combined issue of bond anticipation notes authorized in anticipation of the sale of serial bonds pursuant to ten (10) bond resolutions (hereinafter referred to as the "Note" or "Notes"), dated September 18, 1998, and maturing on September 17, 1999, as follows: Unless the context clearly requires otherwise, all capitalized terms used but not otherwise defined herein shall have the meanings set forth in Article II hereof or in the Resolutions, the Code or the Regulations (each as defined below). ARTICLE I General 1.1. Authoritv of Siqnatorv. I am an officer of the Issuer charged with the responsibility for the execution, delivery, and issuance of the Note and am acting for and on behalf of the Issuer in signing this certificate. 1.2. Puroose of certificate. This certificate is made for the purpose of establishing evidence of the expectations of the Issuer as of the date hereof as to future events regarding the amount and use of proceeds of the Note. It is intended and may be relied upon for purposes of sections 103 and 148 of the Internal Revenue Code of 1986, as amended (the "Code"), and as a certification described in section 1.148-2(b) (2) of the Treasury Regulations (the "Regulations"). This certificate is executed and delivered as part of the record of proceedings in connection with the issuance of the Note. The provisions of this certificate constitute a contractual obligation of the Issuer in consideration for the purchase of and payment for the Note by the purchaser(s) thereof. 1.3. Reasonable Exoectations. This certificate sets forth the facts, estimates and circumstances now in existence which form the basis for the Issuer's expectation that the proceeds of the Note will not be used in a manner that would cause the Note to be an arbitrage bond under section 148 of the Code or a private activity bond under sections 103 and 141 of the Code. To the best of my knowledge and belief, such expectation is reasonable and there are no other facts, estimates or circumstances that would materially change that expectation. 223880.1 015832 CERT . . 1.4. No Composite Issue. No other governmental obligations have been sold fewer than 15 days prior to, or will be sold fewer than 15 days after, the sale date of the Note, pursuant to a common plan of financing which are expected to be paid from substantially the same source of funds as the Note. 1.5 No Federal Guarantee. The Issuer represents and covenants that, except for the gross proceeds of the Note which are: (a) invested during the temporary period referred to in Article III, (b) held in any refunding escrow or (c) invested in obligations of the United States Treasury or in obligations issued pursuant to Section 21B(d) (3) of the Federal Home Loan Bank Act, as amended by Section 511(a) of the Financial Institutions Reform, Recovery and Enforcement Act of 1989, or any successor provision to Section 21B(d) (3) of the Federal Home Loan Bank Act, as amended: (i) No portion of the payment of principal or interest with respect to the Note is or will be guaranteed directly or indirectly by the United States or any agency or instrumentality thereof (herein "federally guaranteed"); and (ii) No portion of the gross proceeds of the Note in excess of five percent of such gross proceeds is or will be (A) used in making loans the payment of principal or interest with respect to which is to be federally guaranteed, or (B) invested directly or indirectly in federally insured deposits or accounts. 1.6. Tax Representation. The Issuer expects to be able to and will comply with all the procedures and provisions set forth herein, and will do and perform all acts and things necessary and desirable within its reasonable control in order to assure that interest paid on the Note shall be excluded from gross income of the owners thereof for the purpose of federal income taxation. 1.7. Additional Information. The Issuer will provide such other information as may be required to assure the exclusion from gross income of interest on the Note for federal income taxation purposes. 1.8. Non-Purpose Investments. Not more than 50% of the proceeds of the Note are being invested in investments not acquired to carry out the governmental purposes of the issue at a guaranteed yield and having a term of 4 years or more. 1.9 IRS Information Reportinq. The Issuer will make a timely filing of the appropriate IRS Form 8038-G or 8038-GC. 223880.1 015832 CERT . . ARTICLE II Use of proiect and Proceeds 2.1. Authorization. (a) The Note is authorized to be issued pursuant to applicable provisions of the laws of the state of New York and ten bond resolutions adopted by the Town Board on their respective dates (the "Resolutions"), as referred to in the certificate of Determination executed by the Supervisor on September 18, 1998. (b) For purposes of this Article II the term "proceeds" means the net amount (after payment of all costs and expenses associated with issuing the Note) received by the Issuer from the sale of the Note, excluding accrued interest. 2.2. provide funds Project"), as Purpose of Issue. The Note is being issued to for various purposes in and for the Town ("the further described in the Resolutions. 2.3. Use of Proceeds. A portion of the proceeds of sale of the Note in the amount of $616,0000 (the "Current Refunding Note") will be used, together with other available funds in the amount of $202,400, to redeem prior issues of bond anticipation notes which mature on September 18, 1998, in the aggregate principal amount of $818,400 (the "Prior Issue"), heretofore issued to finance the Project. The balance of the proceeds of the sale of the Notes in the aggregate principal amount of $380,000 (the "New Money Note") will be used to provide original financing for the Project. 2.4. Ownership/Lease/Sale. The Project will be owned by the Issuer or another state or local governmental unit and will not be leased to any person who is not a state or local governmental unit. It will not (except to the extent that any of the projects financed involve grants) be sold or otherwise disposed of, in whole or in part, except for incidental sales of surplus items the proceeds of which will not constitute net operating profits or net capital profits to the Issuer, prior to the maturity date of the Note. 2.5. Private Loans. Not more than the lesser of 5 percent or $5,000,000 of the proceeds of the Note will be used directly or indirectly to make loans to persons other than a governmental unit. 2.6. Private Use. The aggregate amount of proceeds of the Note used directly or indirectly in a trade or business carried on by a person other than a state or local governmental unit ("Private Use"), will not exceed 10% of such proceeds in the event that more than 10% of the principal or 10% of the interest due on the Note during the term thereof is, under the terms of 223880.1 015832 CERT . . the Note or any underlying arrangement, directly or indirectly, secured by any interest in property used or to be used for a Private Use or in payments in respect of property used or to be used for a Private Use or is to be derived from payments, whether or not to the Issuer, in respect of property or borrowed money used or to be used for a Private Use. 2.7. Unrelated/Related Disorooortionate Use. No more than 5% of the proceeds of the Note will be used directly or indirectly in the trade or business of a person other than a governmental unit that is unrelated or related and disproportionate to the governmental use of the property being financed, including any private loan financing described in Section 2.5 which meets this test. For purposes of this Arbitrage and Use of Proceeds Certificate, proceeds of the Note are allocable to an unrelated Private Use if such use is neither directly nor operationally related to a governmental use and proceeds of the Note are allocable to a disproportionate related Private Use to the extent that the proceeds of the Note which are to be used to finance property used by a nongovernmental person in a trade or business which is related to the governmental use of the property referred to in Section 2.6 above, exceeds the proceeds of the Note which are to be used for the governmental use to which such Private Use relates. 2.8. Other Private Uses Defined. For purposes of Section 2.6 and 2.7, a Private Use consists of any contract or other arrangement including, without limitation, leases, management contracts, guarantee contracts, take or pay contracts, or put or pay contracts, which provides for a use of the Projects by a person or persons who are not State or local governments on a basis different than the general public. Any management, or operations contract or agreement which provides for nongovernmental use will provide for reasonable compensation which is in no part based on net profits and will satisfy the provisions of (a), (b) or (c) below: (a) for contracts which provide compensation for each annual period based on a periodic fixed fee, a capitation fee or combination thereof, (i) the contract has a term (including renewal options) not exceeding five years; (ii) the issuer may terminate the contract, without penalty, at the end of any three year period, and (iii) at least 50% of the compensation paid is on a periodic, fixed fee basis; (b) for contracts entered into or materially modified (other than pursuant to a renewal option) after March 15, 1993, which provide compensation based on a per unit fee or a combination per unit and periodic fixed fee, (i) the contract has a term (including renewal options) not exceeding three years; (ii) the issuer may terminate such contract (without penalty) at the end of the second year of the term, and (iii) 223880.1 015832 CERT . . the amount of the per unit fee is specified in the contract or otherwise limited by the qualified user or a third party; (c) for contracts entered into or materially modified (other than pursuant to a renewal option) after March 15, 1993, which provide compensation based on a percentage of fees charged, (i) the contract has a term (including renewal options) not exceeding two years, (ii) the issuer may terminate the contract (without penalty) at the end of the first year, and (iii) the service provider primarily provides services to third parties or the contract involves a facility during an initial start-up period; (d) For purposes of this Section 2.8: (i) "capitation fee" means a fixed periodic amount paid under a management contract or agreement for each person for whom the service provider assumes the responsibility to provide all needed services for a specified period, provided the quantity and type of services actually provided vary substantially; (ii) "periodic fixed fee" means a stated dollar amount for services rendered during a specified period of time (i.e. $XX per month) which amount may automatically increase according to a specified, objective, external standard; and (iii) "per unit fee" means a stated dollar amount for each unit of service provided (i.e. $XX per medical procedure) . 2.9. Pooled Loan Financinqs. To the extent the amount of proceeds of the Note to be used to make loans to any borrowers (including loans referred to in Section 2.5 above and loans to state or local governmental units) exceeds $5,000,000, at least 95% of the net proceeds of the issue (as defined in Section 150 of the Code but without including proceeds used to finance costs of issuance or capitalized interest) that are to be used to make loans, will have been used within 3 years of the date hereof to make such loans. The payment of legal and underwriting costs is not contingent and at least 95% of the reasonably expected legal and underwriting costs associated with issuance will be paid within 180 days of the date hereof. 2.10. OutDut Facilities. No more than 5% of the proceeds of the Note are to be used with respect to any output facility (other than a facility for the furnishing of water). No more than the lesser of $5,000,000 or 5% of the proceeds of the Note are to be used (directly or indirectly) for the acquisition of a nongovernmental output facility. 223880.1 015832 CERT . . ARTICLE III Arbitraoe/Rebate Exemption 3.1. Temporary Period-Refundino. With respect to the proceeds of the sale of the Current Refunding Note representing proceeds allocable to the Prior Issue: (a) All of the proceeds of the Prior Issue have been expended, or any such proceeds which have not been expended as of the date hereof, shall become transferred proceeds of this issue. Such transferred proceeds may be invested without restriction as to yield until three years after the date of original issuance of the Prior Issue. If any transferred proceeds remain unexpended after three years after the date of original issuance of the Prior Issue, such proceeds will be invested at a yield not in excess of the yield on the Note. (b) The proceeds of the Note will be used to refund the Prior Issue within 90 days of the date hereof, and may be invested during such time without restriction as to yield. 3.2. Temporary Period-New Money. With respect to the New Money Note: (a) The Issuer has entered into or will enter into within six months from the date of this certificate, binding commitment(s) for the acquisition, construction or accomplishment of the Project cited in Section 2.2 hereof, and the amount of such commitment(s) with respect to such Project will or do exceed the amount equal to 5% of $380,000, being the aggregate amount of obligations currently issued for such Project. (b) Such Project has been completed, or, if such Project has not been completed, work on the acquisition, construction or accomplishment of such Project will proceed or is proceeding with due diligence to completion. (c) It is reasonably expected that at least 85 percent of the net sale proceeds of such New Money Note will be expended within three years from the date of this Certificate. No more than 50 percent of the proceeds of the Note will be invested in nonpurpose investments with a term of four years or more. 3.3. Money Note was Section 148 of Rebate. (a) Neither the Prior Issue nor the New or is subject to the rebate requirement imposed by the Code because, with respect to each: 223880.1 015832 CERT . . (i) the Issuer was or is a governmental unit with general taxing powers; (ii) the Prior Issue/New Money Note did not or does not constitute a "private activity bond" as that term is defined in Section 141 of the Code; (iii) ninety-five percent or more of the net proceeds of the sale of the Prior Issue/New Money Note was or is to be used for local governmental activities of the Issuer; and (iv) the Issuer (including all agencies, instrumentalities and political subdivisions of the Issuer) reasonably expected or expects that the aggregate face amount of all tax-exempt bonds issued by the Issuer during the calendar year in which the Prior Issue was issued and the current calendar year would not or will not exceed $5,000,000. For purposes of such determination, no tax-exempt obligation was or shall be taken into account if it was or is a current refunding obligation issued in the calendar year in which the Prior Issue/New Money Note (as applicable) was or is being issued which does not exceed the outstanding (redeemed) principal amount of the obligation to be refunded. (b) The Current Refunding Note is not subject to the rebate requirement imposed by Section 148 of the Code because all of the Gross Proceeds of such Current Refunding Note will be expended to pay the Prior Issue within 90 days of the date hereof and will, therefore, qualify for the six-month expenditure exception to rebate. 3.4. No Excess Proceeds. The total proceeds of sale of all bond anticipation notes issued to date for the Project do not exceed the total cost of the Project. 3.5. from taxes and issued to fund Source of Repavment Funds. The Note will be paid the proceeds of other obligations of the Issuer the Note. 3.6. Debt Service Fund. The taxes used to pay principal and interest on the Note, whether or not deposited in a debt service fund, will be expended within 13 months of the date of deposit in such fund, or the date of their accumulation, in the payment of debt service on the Note. Any amounts received from the investment of such deposit or accumulation will be expended within one year of receipt. The debt service fund, if any, will be used to achieve a proper matching of revenues and debt service and will be depleted at least annually except for a 223880.1 015832 CERT . . reasonable carryover amount will not exceed the greater of the earnings on such fund for the immediately preceding year or one- twelfth of the debt service on the Note. 3.7. Sinkinq Funds. Except for the debt service fund described herein the Issuer has not created or established, and does not expect to create or establish, any sinking fund or other similar fund which the Issuer reasonably expects to use to pay principal or interest on the Note. ARTICLE IV Bank Oualification 4.1. Desiqnation. The Note is hereby designated as a "qualified tax-exempt obligation" pursuant to the provisions of Section 265 of the Code. (a) In making such designation it has been determined with respect to the Current Refunding Note that: (i) the Note currently refunds the Prior Issue; (ii) the Prior Issue was designated as a "qualified tax- exempt obligation"; (iii) the aggregate face amount of the Note does not exceed $10,000,000; (iv) the Prior Issue had a weighted average maturity of 3 years or less; (v) the maturity date of the Note, as measured from the original date of issuance of the notes issued pursuant to the Resolutions, in renewal of which such Note is being issued, does not exceed 30 years; and (vi) not more than $10,000,000 of obligations issued by the Issuer during the calendar year in which the Prior Issue was issued were designated by the Issuer as "qualified tax-exempt obligations." (b) In making such designation it has been determined with respect to the New Money Note that: (i) the Issuer does not reasonably anticipate that the amount of "qualified tax-exempt obligations" to be issued by the Issuer during the current calendar year will exceed $10,000,000; and 223880.1 015832 CERT . . , (ii) the amount of "qualified tax-exempt obligations" issued by the Issuer during the current calendar year does not as of this date, and including this issue, exceed $10,000,000. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the corporate seal of the Town of Southold this 18th day of September, 1998. ~CM'~ Superv~sor 223880.1 015832 CERT . . CERTIFICATES AS TO SIGNATURES, LITIGATION, AND DELIVERY AND PAYMENT WE, the undersigned officers of the Town of Southold, in the County of Suffolk, a municipal corporation of the State of New York and herein referred to as the "Town", HEREBY CERTIFY that on or before September 18, 1998, we officially signed and properly executed by manual signatures the $996,000 Bond Anticipation Note for Various Purposes-1998 (the "Note") of the Town, payable to Hare & Co., as registered owner, and otherwise described in Schedule A annexed hereto and by this reference made a part hereof, and that at the time of such signing and execution and on the date hereof we were and are the duly chosen, qualified and acting officers of the Town authorized to execute said Note and holding the offices indicated by the respective titles set opposite our signatures hereto for terms expiring on the dates set opposite such titles. WE FURTHER CERTIFY that no litigation of any nature is now pending or threatened restraining or enjoining the issuance or delivery of said Note or the levy or collection of any taxes to pay the interest on or principal of said Note, or in any manner questioning the authority or proceedings for the issuance of said Note or for the levy or collection of said taxes, or relating to said Note or affecting the validity thereof or the levy or collection of said taxes, that neither the corporate existence or boundaries of the Town nor the title of any of the present officers thereof to their respective offices is being contested, and that no authority or proceedings for the issuance of said Note has or have been repealed, revoked or rescinded. WE FURTHER CERTIFY that the seal which is impressed upon this certificate has been affixed, impressed, imprinted or otherwise reproduced upon said Note and is the legally adopted, proper and only official corporate seal of the Town. And, I, Jean W. Cochran, Supervisor, HEREBY FURTHER CERTIFY that on September 18, 1998, I delivered or caused the delivery of said Note to Fleet Bank, Melville, New York, the purchaser thereof, and that at the time of such delivery of said Note, I received from said purchaser the amount hereinbelow stated, in full payment for said Note, computed as follows: Price. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest on said Note accrued to the date of such delivery............. Amount Received................ ..... $996,000 -0- $996,000 223880.1 015832 CERT . . IN WITNESS WHEREOF, we said corporate seal has hereunto September, 1998. have hereunto set our hands and been affixed this 18th day of Signature Term of Office Expires Title ~~.~~.~.... ~(j.~ December 31, 1999 Supervisor December 31, 1999 Town Clerk (SEAL) I HEREBY CERTIFY that the signatures of the officers of the above-named Town, which appear above, are true and genuine and that I know said officers and know them to hold the respective offices set opposite their signatures. !MPfif/!e &aneh r!anaSe( of Flee/- 8an)L (Title) (Name of Bank) 223880.1 015832 CERT . . ATTORNEY'S CERTIFICATE I, Gregory F. Yakaboski, HEREBY CERTIFY that I am a licensed attorney at law of the State of New York, having offices at Town Hall, 53095 Main Road, Southold, New York, and am the duly chosen, qualified and acting Town Attorney of the Town of Southold, in the County of Suffolk, a municipal corporation of the State of New York and herein referred to as the "Town", that no litigation of any nature is now pending or threatened restraining or enjoining the issuance or delivery of the Note of the Town, payable to Hare & Co., as registered owner, and otherwise described as set forth in Schedule A annexed hereto and by this reference made a part hereof or the levy or collection of any taxes to pay the interest on or principal of said Note, or in any manner questioning the authority or proceedings for the issuance of said Note or for the levy or collection of said taxes, or relating to said Note or affecting the validity thereof or the levy or collection of said taxes, that neither the corporate existence or boundaries of the Town nor the title of any of the present officers thereof to their respective offices is being contested, and that no authority or proceedings for the issuance of said Note has or have been repealed, revoked or rescinded. IN WITNESS WHEREOF, I have hereunto set my hand this 18th ay of September, 1998. ~ 223880.1 015832 CERT Amount and Title: Dated: Mature: Number and Denomination: Interest Rate per annum: . . SCHEDULE A $996,000 Bond Anticipation Note for Various Purposes-1998 September 18, 1998 September 17, 1999 No. SR-1, at $996,000 3.52% 223880.1 015832 CERT IRREvocABLE STOCKJ"80Ni> POWER FOR VALUE RECEIVED,the undersigned does (do) hereby sell, assign and transfer to , -0" SOCIAl. SECURITY OR TAXPAYl:R IOENTlFYlNG NQ. IF STOCX COMPLETE THIS PORTION shares of the stock of represented by Certificate (s) No. (s) inclusive, standing in the name of the undersigned on the books of said Company. ..,~. IF BONOS, COMPLETE THIS PORTION bonds of . In the principal amount of $ , No.(s) inclusive, standing in the name of the undersigned on the books 01 said company. The undersigned does (do) hereby irrevocably constitute and appoint allorney to transfer the said stock or bond (s), as the case may be, on the books of said Company, with full power of substitution in the premises. Dated IMPORTANT. READ CAREFULLY (FfRSO!'l EXECUTING THIS POYlER SIGNS HE;;E) The si;:'lature (51 to this Power musl corrupcnd with the namt (s) as wrinen u~on the lace ollhe steek clutiflCate (I) or bond (s). IS the case may be In every particutar wiChoul aheration or enrar!iemen~ or any chans! .,..hale.", and must be quaranleed by a commercial bank or a trust company having its ~rin. cipat otriCe or CQrresponC'ent in ll'.1 City 01 New York or by I firm h.aving membership in the New York or Midwest Sieck EJ:han;e. SIGNATURE GUARANTEED (NAME OF BANK. TRUST COMPAIlY OR BROKER) (OFFICIAL SIGNA TUP.E) '.WST."enn UNITED STATES OF AMERICA STATE OF NEW YORK COUNTY OF SUFFOLK TOWN OF SOUTHOLD BOND ANTICIPATION NOTE FOR VARIOUS PURPOSES-1998 . The Town of Southold, in the County of Suffolk, a municipal corporation of the State of New York, hereby acknowledges itself indebted and for value received promises to pay to Hare & Co., the register owner hereof, the sum of NINE HUNDRED NINETY-SIX THOUSAND DOLLARS ($996,000) on the 17th day of September, 1999, together with interest thereon from the date hereof at the rate of three and fifty-two hundredths per centum (3.52%) per annum, payable at maturity. Both principal of and interest on this Note will be paid in lawful money of the United States of America, at the office of the Town Clerk, Town Hall, Southold, New York. /tmsNote is the only Note of an authorized issue, the principal amount of which is $996,000. 1ms Note is issued pursuant to the provisions of the Local Finance Law, constituting Chapter 33-, cf the Conwlidr.ted Laws of the State of New York, ten bond resolutions adopted by the Town Board 0>, , thcj... ~~~pec:;vC' dates, authorizing the issuance of serial bonds for various purposes, and the Certificate of . Determinat,on executed by the Supervisor on September 18, 1998. , 1ms Note has been designated by the Town as a qualified tax-exempt obligation pu~suant to the I provi,imL< of Section 265 of the Internal Revenue Code of 1986, as amended. The faith and credit of such Town of Southold are hereby irrevocably pledged for the punctual payment of tbe principal of and interest on this Note according to its terms. It is bereby cenified and recited , that all conditions, acts and things required by the Constitution and statutes of the State of New York to exist, t have happened and to have been performed precedent to and in the issuance of this Note, exist, bave happen"" and have been performed, and that this Note, together with all other indebtedness of such Town of Southold, is within every debt and other limit prescribed by tbe Constitution and laws of such State. IN WITNESS WHEREOF, the Town of Southold has caused tbis Note to be signed by its Supervisor, and its corporate seal (or a facsimile thereof) to be affixed, impressed. imprinted, engraved, or otherwise reproduced hereon and attested by its Town Clerk and this Note to be dated as of September 18, 1998. TOWN OF SOUTHOLD (SEAL) ATTEST: -* I (I , By -. . '--. \,-0 '-(,C-~"'--' f Supervisor (15'"'.$:rM~ () l? /~/;~ own Cl rk . . AFFIDAVIT AS TO NO CONFLICT OF INTEREST STATE OF NEW YORK ) :ss: COUNTY OF SUFFOLK ) Elizabeth A. Neville, being duly sworn upon her oath deposes and says: 1. I am the duly elected, qualified and acting Town Clerk of the Town of Southold, in the County of Suffolk, New York (herein and in Schedule A annexed hereto called "Town"); 2. That with respect to the contract of sale of the Note of the Town described in the certificate of Determination executed by the Supervisor on the 18th day of September, 1998 to the financial institution indicated in such Certificate, I have made a careful inquiry of each officer and employee of the Town having the power or duty to (a) negotiate, prepare, authorize or approve the contract or authorize or approve payment thereunder, (b) audit bills or claims under the contract or (c) appoint an officer or employee who has any of the powers or duties set forth above, as to whether or not such officer or employee has an interest (as defined pursuant to Article 18 of the General Municipal Law) in such contract; 3. That upon information and belief, as a result of such inquiry, no such officer or employee has any such interest in said contract, unless otherwise noted in Schedule A annexed hereto and by this reference made a part hereof. ~/;/~aWh/;~ Town Cler Subscribed and sworn to before me this 18th day of September, 1998. ~.t/Y ICY,. ~ C.JU':f1,kJ Notary P lie, State of New York UNDA J. COOPER NolIIry Public, Stale of New York No. 4822563, Suffolk COUglV 1f Term Elcpirea DllC8IIlber 31,1 71 223880.1 015832 CERT . . SCHEDULE A 1. , is a stockholder of the Purchaser, owning or controlling, directly or indirectly, less than five per centum (5%) of the outstanding stock thereof but no disclosure of such interest by said officer is required pursuant to said Law. 2. , has an interest in the Purchaser, solely by reason of employment as an officer or employee thereof, but the remuneration of such employment will not be directly affected as a result of said contract and the duties of such employment do not directly involve the procurement, preparation or performance of any such part of such contract. 3. , has publicly disclosed the nature and extent of such interest in writing to the governing board of the Town. Such written disclosure has been made a part of and set forth in the official record of proceedings of the Town. 223880.1 015832 CERT 1 1 . . . CERTIFICATE OF DETERMINATION BY THE SUPERVISOR RELATIVE TO AUTHORIZATION, SALE, ISSUANCE, FORM AND CONTENTS OF THE $996,000 BOND ANTICIPATION NOTE FOR VARIOUS PURPOSES-1998 OF THE TOWN OF SOUTHOLD, NEW YORK. I, Jean W. Cochran, Supervisor of the Town of Southold, New York (herein called the "Town"), HEREBY CERTIFY that pursuant to the powers and duties delegated to me as the chief fiscal officer of the Town, by the Town Board of the Town, pursuant to the resolution duly adopted and as referred to in paragraph 1 to 7, inclusive, hereof, and subject to the limitations prescribed in said resolution, I have made the following determinations: 1. A bond anticipation note of the Town in the principal amount of $35,000 shall be issued to renew, in part, the $70,400 bond anticipation note dated September 18, 1997, maturing September 18, 1998, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted February 24, 1994, authorizing, for use by the Town Highway Department, the purchase of (1) a three yard payloader at the estimated maximum cost $78,500 and (2) a street sweeper at the estimated maximum cost of $106,500, stating the estimated total cost thereof is $185,000, appropriating said amount therefor, authorizing the issuance of $185,000 serial bonds of said Town to finance said appropriation and authorizing the proceeds of sale of the Town's existing payloader and street sweeper to be applied to said cost," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $70,400 bond anticipation note having been heretofore provided to the extent of $35,400 from a source other than the proceeds of serial bonds. 2. A bond anticipation note of the Town in the principal amount of $9,000 shall be issued to renew, in part, the $18,000 bond anticipation note dated September 18, 1997, maturing September 18, 1997, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted September 6, 1994, authorizing the 223880.1 015832 CERT . . construction of road improvements in the Town, appropriating $50,000 therefor, and authorizing the issuance of $50,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $18,000 bond anticipation note having been heretofore provided to the extent of $9,000 from a source other than the proceeds of serial bonds. 3. A bond anticipation note of the Town in the principal amount of $180,000 shall be issued to renew, in part, the $240,000 bond anticipation note dated September 18, 1997, maturing September 18, 1997, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted June 25, 1996, authorizing the acquisition of equipment for the Southold Solid Waste Management District, in said Town, stating the estimated total cost thereof, including preliminary costs and costs incidental thereto and to the financing thereof in the amount of $10,000, is $300,000; appropriating said amount therefor; and authorizing the issuance of $300,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $240,000 bond anticipation note having been heretofore provided to the extent of $60,000 from a source other than the proceeds of serial bonds. 4. A bond anticipation note of the Town in the principal amount of $320,000 shall be issued to renew, in part, the $400,000 bond anticipation note dated September 18, 1997, maturing September 18, 1998, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted April 15, 1997, authorizing the acquisition and installation of computer equipment, including software, in order to upgrade the existing computer system of the Town; stating the estimated maximum cost thereof is $400,000; appropriating said amount therefor and authorizing the issuance of $400,000 serial bonds of said Town to finance said appropriation," 223880.1 015832 CERT . . duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $400,000 bond anticipation note having been heretofore provided to the extent of $80,000 from a source other than the proceeds of serial bonds. 5. A bond anticipation note of the Town in the principal amount of $72,000 shall be issued to renew, in part, the $90,000 bond anticipation note dated September 18, 1997, maturing September 18, 1998, and heretofore issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted February 20, 1997, appropriating the amount of $90,000 for the acquisition of a payloader for the Southold Solid Waste Management District, in said Town, stating the estimated maximum cost thereof is $90,000 and authorizing the issuance of $90,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to, and the Certificate of Determination executed by the Supervisor on September 18, 1997, the redemption of said $90,000 bond anticipation note having been heretofore provided to the extent of $18,000 from a source other than the proceeds of serial bonds. 6. A bond anticipation note of the Town in the principal amount of $210,000 shall be issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: "Bond Resolution of the Town of Southold, New York, adopted July 7, 19987, appropriating the acquisition of the certain pierce or parcel of land containing 13.85 acres, more or less, situate on the west side of peconic Lane, in the Town of Southold, at the estimated maximum cost of $210,000, including preliminary costs and costs incidental thereto to the financing thereof in the amount of $10,000, said land to be used for public park purposes; appropriating $210,000 therefor and authorizing the issuance of $210,000 serial bonds of said Town to finance said appropriation," duly adopted by the Town Board on the date therein referred to. 7. A bond anticipation note of the Town in the principal amount of $170,000 shall be issued in anticipation of the sale of the serial bonds authorized pursuant to the bond resolution entitled: 223880.1 015832 CERT . . "Bond Resolution of the Town of Southold, New York, adopted May 12, 1998, authorizing the acquisition and installation of a computer system for use by the Police Department; stating the estimated maximum cost thereof is $170,000; appropriating said amount therefor and authorizing the issuance of $170,000 serial bonds of said Town to financed said appropriation," duly adopted by the Town Board on the date therein referred to. 8. Said $35,000 note, said $9,000 note, said $180,000 note, said $320,000 note, said $72,000 note, said $210,000 note, and said $170,000 shall be combined for the purpose of sale into a single note issue in the aggregate principal amount of $996,000 (hereinafter referred to as the "Note"). 9. as follows: The terms, form and details of said Note shall be Amount and Title: $996,000 Bond Anticipation Note for Various Purposes-1998 Dated: September 18, 1998 Matures: September 17, 1999 Number and Denomination: No. 5R-1, at $996,000 Interest Rate per annum: 3.52% 10. The amount of bond anticipation notes originally issued in anticipation of the issuance of serial bonds authorized pursuant to the bond resolutions referred to in paragraphs 1 to 7, inclusive, hereof, including the Note, is, respectively, (1) $176,000, (2) $50,000, (3) $81,448, (4) $300,000, (5) $400,000 (6) $210,000 and (7) $170,000, and the amount of bond anticipation notes which will be outstanding after the issuance of the Note, including said Note, will be, respectively, (1) $35,000, (2) $35,400, (3) $9,000, (4) $180,000, (5) $320,000, (6) $210,000 and (7) $170,000. 11. The serial bonds authorized pursuant to the resolutions referred to in paragraphs 1, 4 and 5, inclusive, hereof, are for improvements which are assessable, and the serial bonds authorized pursuant to the resolutions referred to in paragraphs 2, 3, 6, and 7, hereof, are for improvements which are non-assessable. 223880.1 015832 CERT . . 12. Pursuant to said powers and duties delegated to me, I DO HEREBY AWARD AND SELL said Note to Fleet Bank, Melville, New York, for the purchase price of $996,000, plus accrued interest, if any, from the date of said Note to the date of delivery thereof, said note to be payable to Hare & Co., as registered owner, and I FURTHER DETERMINE that said Note shall be payable as to both principal and interest at the office of the Town Clerk, Town Hall, Southold, New York, and shall bear interest at the rate of three and fifty-two hundredths per centum (3.52%) per annum, payable at maturity. 13. Said Note shall be executed in the name of the Town by its Supervisor and the corporate seal of the Town (or a facsimile thereof) shall be affixed, impressed, imprinted, engraved or otherwise reproduced thereon and attested by its Town Clerk. I HEREBY FURTHER CERTIFY that the powers and duties delegated to me to issue and sell the Note hereinabove referred to are in full force and effect and have not been modified, amended or revoked. IN WITNESS WHEREOF, I have hereunto set my hand this 18th day of September, 1998. ~~ t.,c~ Supervisor 223880.1 015832 CERT . . . CLERK'S CERTIFICATE I, Elizabeth A. Neville, Town Clerk of the Town of Southold, in the County of Suffolk, New York, HEREBY CERTIFY that I have compared the foregoing copy of the Certificate of Determination executed by the Supervisor and the same is a true and complete copy of the Certificate filed with said Town in my office as Town Clerk on the 18th day of September, 1998; and I FURTHER CERTIFY that no resolution electing to reassume any of the powers or duties mentioned in said Certificate and delegated to the Supervisor by the resolution cited in said Certificate has been adopted by the Town Board of the Town. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the corporate seal of said Town this 18th day of September, 1998. (SEAL) fY~/7~40?:/4/h'/A Town Cler 223880.1 015832 CERT I I . . ARBITRAGE AND USE OF PROCEEDS CERTIFICATE I, Jean W. Cochran, Supervisor of the Town of Southold, in the county of Suffolk, New York (the "Issuer"), HEREBY CERTIFY and reasonably expect with respect to the issuance of the Issuer's $996,000 Bond Anticipation Note for Various Purposes- 1998, being a combined issue of bond anticipation notes authorized in anticipation of the sale of serial bonds pursuant to ten (10) bond resolutions (hereinafter referred to as the "Note" or "Notes"), dated September 18, 1998, and maturing on September 17, 1999, as follows: Unless the context clearly requires otherwise, all capitalized terms used but not otherwise defined herein shall have the meanings set forth in Article II hereof or in the Resolutions, the Code or the Regulations (each as defined below). ARTICLE I General 1.1. Authoritv of Siqnatorv. I am an officer of the Issuer charged with the responsibility for the execution, delivery, and issuance of the Note and am acting for and on behalf of the Issuer in signing this certificate. 1.2. Purpose of Certificate. This certificate is made for the purpose of establishing evidence of the expectations of the Issuer as of the date hereof as to future events regarding the amount and use of proceeds of the Note. It is intended and may be relied upon for purposes of sections 103 and 148 of the Internal Revenue Code of 1986, as amended (the "Code"), and as a certification described in section 1.148-2(b) (2) of the Treasury Regulations (the "Regulations"). This certificate is executed and delivered as part of the record of proceedings in connection with the issuance of the Note. The provisions of this certificate constitute a contractual obligation of the Issuer in consideration for the purchase of and payment for the Note by the purchaser(s) thereof. 1.3. Reasonable Expectations. This certificate sets forth the facts, estimates and circumstances now in existence which form the basis for the Issuer's expectation that the proceeds of the Note will not be used in a manner that would cause the Note to be an arbitrage bond under section 148 of the Code or a private activity bond under sections 103 and 141 of the Code. To the best of my knowledge and belief, such expectation is reasonable and there are no other facts, estimates or circumstances that would materially change that expectation. 223880.1 015832 CERT . . 1.4. No Composite Issue. No other governmental obligations have been sold fewer than 15 days prior to, or will be sold fewer than 15 days after, the sale date of the Note, pursuant to a common plan of financing which are expected to be paid from substantially the same source of funds as the Note. 1.5 No Federal Guarantee. The Issuer represents and covenants that, except for the gross proceeds of the Note which are: (a) invested during the temporary period referred to in Article III, (b) held in any refunding escrow or (c) invested in obligations of the United States Treasury or in obligations issued pursuant to Section 21B(d) (3) of the Federal Home Loan Bank Act, as amended by Section 511(a) of the Financial Institutions Reform, Recovery and Enforcement Act of 1989, or any successor provision to Section 21B(d) (3) of the Federal Home Loan Bank Act, as amended: (i) No portion of the payment of principal or interest with respect to the Note is or will be guaranteed directly or indirectly by the United States or any agency or instrumentality thereof (herein "federally guaranteed"); and (ii) No portion of the gross proceeds of the Note in excess of five percent of such gross proceeds is or will be (A) used in making loans the payment of principal or interest with respect to which is to be federally guaranteed, or (B) invested directly or indirectly in federally insured deposits or accounts. 1.6. Tax Representation. The Issuer expects to be able to and will comply with all the procedures and provisions set forth herein, and will do and perform all acts and things necessary and desirable within its reasonable control in order to assure that interest paid on the Note shall be excluded from gross income of the owners thereof for the purpose of federal income taxation. 1.7. Additional Information. The Issuer will provide such other information as may be required to assure the exclusion from gross income of interest on the Note for federal income taxation purposes. 1.8. Non-Purpose Investments. Not more than 50% of the proceeds of the Note are being invested in investments not acquired to carry out the governmental purposes of the issue at a guaranteed yield and having a term of 4 years or more. 1.9 IRS Information Reportinq. The Issuer will make a timely filing of the appropriate IRS Form 8038-G or 8038-GC. 223880.1 015832 CERT . . ARTICLE II Use of proiect and Proceeds 2.1. Authorization. (a) The Note is authorized to be issued pursuant to applicable provisions of the laws of the state of New York and ten bond resolutions adopted by the Town Board on their respective dates (the "Resolutions"), as referred to in the certificate of Determination executed by the Supervisor on September 18, 1998. (b) For purposes of this Article II the term "proceeds" means the net amount (after payment of all costs and expenses associated with issuing the Note) received by the Issuer from the sale of the Note, excluding accrued interest. 2.2. provide funds Project"), as Puroose of Issue. The Note is being issued to for various purposes in and for the Town ("the further described in the Resolutions. 2.3. Use of Proceeds. A portion of the proceeds of sale of the Note in the amount of $616,0000 (the "Current Refunding Note") will be used, together with other available funds in the amount of $202,400, to redeem prior issues of bond anticipation notes which mature on September 18, 1998, in the aggregate principal amount of $818,400 (the "Prior Issue"), heretofore issued to finance the Project. The balance of the proceeds of the sale of the Notes in the aggregate principal amount of $380,000 (the "New Money Note") will be used to provide original financing for the Project. 2.4. Ownershio/Lease/Sale. The Project will be owned by the Issuer or another state or local governmental unit and will not be leased to any person who is not a state or local governmental unit. It will not (except to the extent that any of the projects financed involve grants) be sold or otherwise disposed of, in whole or in part, except for incidental sales of surplus items the proceeds of which will not constitute net operating profits or net capital profits to the Issuer, prior to the maturity date of the Note. 2.5. Private Loans. Not more than the lesser of 5 percent or $5,000,000 of the proceeds of the Note will be used directly or indirectly to make loans to persons other than a governmental unit. 2.6. Private Use. The aggregate amount of proceeds of the Note used directly or indirectly in a trade or business carried on by a person other than a state or local governmental unit ("Private Use"), will not exceed 10% of such proceeds in the event that more than 10% of the principal or 10% of the interest due on the Note during the term thereof is, under the terms of 223880. t 015832 CERT . . the Note or any underlying arrangement, directly or indirectly, secured by any interest in property used or to be used for a Private Use or in payments in respect of property used or to be used for a Private Use or is to be derived from payments, whether or not to the Issuer, in respect of property or borrowed money used or to be used for a Private Use. 2.7. Unrelated/Related DisDroDortionate Use. No more than 5% of the proceeds of the Note will be used directly or indirectly in the trade or business of a person other than a governmental unit that is unrelated or related and disproportionate to the governmental use of the property being financed, including any private loan financing described in Section 2.5 which meets this test. For purposes of this Arbitrage and Use of Proceeds Certificate, proceeds of the Note are allocable to an unrelated Private Use if such use is neither directly nor operationally related to a governmental use and proceeds of the Note are allocable to a disproportionate related Private Use to the extent that the proceeds of the Note which are to be used to finance property used by a nongovernmental person in a trade or business which is related to the governmental use of the property referred to in Section 2.6 above, exceeds the proceeds of the Note which are to be used for the governmental use to which such Private Use relates. 2.8. Other Private Uses Defined. For purposes of Section 2.6 and 2.7, a Private Use consists of any contract or other arrangement including, without limitation, leases, management contracts, guarantee contracts, take or pay contracts, or put or pay contracts, which provides for a use of the Projects by a person or persons who are not State or local governments on a basis different than the general public. Any management, or operations contract or agreement which provides for nongovernmental use will provide for reasonable compensation which is in no part based on net profits and will satisfy the provisions of (a), (b) or (c) below: (a) for contracts which provide compensation for each annual period based on a periodic fixed fee, a capitation fee or combination thereof, (i) the contract has a term (including renewal options) not exceeding five years; (ii) the issuer may terminate the contract, without penalty, at the end of any three year period, and (iii) at least 50% of the compensation paid is on a periodic, fixed fee basis; (b) for contracts entered into or materially modified (other than pursuant to a renewal option) after March 15, 1993, which provide compensation based on a per unit fee or a combination per unit and periodic fixed fee, (i) the contract has a term (including renewal options) not exceeding three years; (ii) the issuer may terminate such contract (without penalty) at the end of the second year of the term, and (iii) 223880.1 015832 CERT . . the amount of the per unit fee is specified in the contract or otherwise limited by the qualified user or a third party; (c) for contracts entered into or materially modified (other than pursuant to a renewal option) after March 15, 1993, which provide compensation based on a percentage of fees charged, (i) the contract has a term (including renewal options) not exceeding two years, (ii) the issuer may terminate the contract (without penalty) at the end of the first year, and (iii) the service provider primarily provides services to third parties or the contract involves a facility during an initial start-up period; (d) For purposes of this Section 2.8: (i) "capitation fee" means a fixed periodic amount paid under a management contract or agreement for each person for whom the service provider assumes the responsibility to provide all needed services for a specified period, provided the quantity and type of services actually provided vary substantially; (ii) "periodic fixed fee" means a stated dollar amount for services rendered during a specified period of time (i.e. $XX per month) which amount may automatically increase according to a specified, objective, external standard; and (iii) "per unit fee" means a stated dollar amount for each unit of service provided (i.e. $XX per medical procedure) . 2.9. Pooled Loan Financinqs. To the extent the amount of proceeds of the Note to be used to make loans to any borrowers (including loans referred to in Section 2.5 above and loans to state or local governmental units) exceeds $5,000,000, at least 95% of the net proceeds of the issue (as defined in Section 150 of the Code but without including proceeds used to finance costs of issuance or capitalized interest) that are to be used to make loans, will have been used within 3 years of the date hereof to make such loans. The payment of legal and underwriting costs is not contingent and at least 95% of the reasonably expected legal and underwriting costs associated with issuance will be paid within 180 days of the date hereof. 2.10. Output Facilities. No more than 5% of the proceeds of the Note are to be used with respect to any output facility (other than a facility for the furnishing of water). No more than the lesser of $5,000,000 or 5% of the proceeds of the Note are to be used (directly or indirectly) for the acquisition of a nongovernmental output facility. 223880.1 015832 CERT . . ARTICLE III Arbitraqe/Rebate Exemption 3.1. Temporary Period-Refundinq. With respect to the proceeds of the sale of the Current Refunding Note representing proceeds allocable to the Prior Issue: (a) All of the proceeds of the Prior Issue have been expended, or any such proceeds which have not been expended as of the date hereof, shall become transferred proceeds of this issue. Such transferred proceeds may be invested without restriction as to yield until three years after the date of original issuance of the Prior Issue. If any transferred proceeds remain unexpended after three years after the date of original issuance of the Prior Issue, such proceeds will be invested at a yield not in excess of the yield on the Note. (b) The proceeds of the Note will be used to refund the Prior Issue within 90 days of the date hereof, and may be invested during such time without restriction as to yield. 3.2. Temporary Period-New Money. With respect to the New Money Note: (a) The Issuer has entered into or will enter into within six months from the date of this certificate, binding commitment(s) for the acquisition, construction or accomplishment of the Project cited in Section 2.2 hereof, and the amount of such commitment(s) with respect to such Project will or do exceed the amount equal to 5% of $380,000, being the aggregate amount of obligations currently issued for such Project. (b) Such Project has been completed, or, if such Project has not been completed, work on the acquisition, construction or accomplishment of such Project will proceed or is proceeding with due diligence to completion. (c) It is reasonably expected that at least 85 percent of the net sale proceeds of such New Money Note will be expended within three years from the date of this Certificate. No more than 50 percent of the proceeds of the Note will be invested in nonpurpose investments with a term of four years or more. 3.3. Money Note was Section 148 of Rebate. (a) Neither the Prior Issue nor the New or is subject to the rebate requirement imposed by the Code because, with respect to each: 223880.1 015832 CERT . . (i) the Issuer was or is a governmental unit with general taxing powers; (ii) the Prior Issue/New Money Note did not or does not constitute a "private activity bond" as that term is defined in Section 141 of the Code; (iii) ninety-five percent or more of the net proceeds of the sale of the Prior Issue/New Money Note was or is to be used for local governmental activities of the Issuer; and (iv) the Issuer (including all agencies, instrumentalities and political subdivisions of the Issuer) reasonably expected or expects that the aggregate face amount of all tax-exempt bonds issued by the Issuer during the calendar year in which the Prior Issue was issued and the current calendar year would not or will not exceed $5,000,000. For purposes of such determination, no tax-exempt obligation was or shall be taken into account if it was or is a current refunding obligation issued in the calendar year in which the Prior Issue/New Money Note (as applicable) was or is being issued which does not exceed the outstanding (redeemed) principal amount of the obligation to be refunded. (b) The Current Refunding Note is not subject to the rebate requirement imposed by Section 148 of the Code because all of the Gross Proceeds of such Current Refunding Note will be expended to pay the Prior Issue within 90 days of the date hereof and will, therefore, qualify for the six-month expenditure exception to rebate. 3.4. No Excess Proceeds. The total proceeds of sale of all bond anticipation notes issued to date for the Project do not exceed the total cost of the Project. 3 . 5 . from taxes and issued to fund Source of Reoavrnent Funds. The Note will be paid the proceeds of other obligations of the Issuer the Note. 3.6. Debt Service Fund. The taxes used to pay principal and interest on the Note, whether or not deposited in a debt service fund, will be expended within 13 months of the date of deposit in such fund, or the date of their accumulation, in the payment of debt service on the Note. Any amounts received from the investment of such deposit or accumulation will be expended within one year of receipt. The debt service fund, if any, will be used to achieve a proper matching of revenues and debt service and will be depleted at least annually except for a 223880.1 015832 CERT . . reasonable carryover amount will not exceed the greater of the earnings on such fund for the immediately preceding year or one- twelfth of the debt service on the Note. 3.7. Sinkino Funds. Except for the debt service fund described herein the Issuer has not created or established, and does not expect to create or establish, any sinking fund or other similar fund which the Issuer reasonably expects to use to pay principal or interest on the Note. ARTICLE IV Bank Oualification 4.1. Desionation. The Note is hereby designated as a "qualified tax-exempt obligation" pursuant to the provisions of Section 265 of the Code. (a) In making such designation it has been determined with respect to the Current Refunding Note that: (i) the Note currently refunds the Prior Issue; (ii) the Prior Issue was designated as a "qualified tax- exempt obligation"; (iii) the aggregate face amount of the Note does not exceed $10,000,000; (iv) the Prior Issue had a weighted average maturity of 3 years or less; (v) the maturity date of the Note, as measured from the original date of issuance of the notes issued pursuant to the Resolutions, in renewal of which such Note is being issued, does not exceed 30 years; and (vi) not more than $10,000,000 of obligations issued by the Issuer during the calendar year in which the Prior Issue was issued were designated by the Issuer as "qualified tax-exempt obligations." (b) In making such designation it has been determined with respect to the New Money Note that: (i) the Issuer does not reasonably anticipate that the amount of "qualified tax-exempt obligations" to be issued by the Issuer during the current calendar year will exceed $10,000,000; and 223880.1 015832 CERT . . . (ii) the amount of "qualified tax-exempt obligations" issued by the Issuer during the current calendar year does not as of this date, and including this issue, exceed $10,000,000. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the corporate seal of the Town of Southold this 18th day of September, 1998. ~ ~u;;~::~ 223880.1 015832 CERT . . . ,/ I CERTIFICATES AS TO SIGNATURES, LITIGATION, AND DELIVERY AND PAYMENT WE, the undersigned officers of the Town of Southold, in the County of Suffolk, a municipal corporation of the State of New York and herein referred to as the "Town", HEREBY CERTIFY that on or before September 18, 1998, we officially signed and properly executed by manual signatures the $996,000 Bond Anticipation Note for Various Purposes-1998 (the "Note") of the Town, payable to Hare & Co., as registered owner, and otherwise described in Schedule A annexed hereto and by this reference made a part hereof, and that at the time of such signing and execution and on the date hereof we were and are the duly chosen, qualified and acting officers of the Town authorized to execute said Note and holding the offices indicated by the respective titles set opposite our signatures hereto for terms expiring on the dates set opposite such titles. WE FURTHER CERTIFY that no litigation of any nature is now pending or threatened restraining or enjoining the issuance or delivery of said Note or the levy or collection of any taxes to pay the interest on or principal of said Note, or in any manner questioning the authority or proceedings for the issuance of said Note or for the levy or collection of said taxes, or relating to said Note or affecting the validity thereof or the levy or collection of said taxes, that neither the corporate existence or boundaries of the Town nor the title of any of the present officers thereof to their respective offices is being contested, and that no authority or proceedings for the issuance of said Note has or have been repealed, revoked or rescinded. WE FURTHER CERTIFY that the seal which is impressed upon this certificate has been affixed, impressed, imprinted or otherwise reproduced upon said Note and is the legally adopted, proper and only official corporate seal of the Town. And, I, Jean W. Cochran, Supervisor, HEREBY FURTHER CERTIFY that on September 18, 1998, I delivered or caused the delivery of said Note to Fleet Bank, Melville, New York, the purchaser thereof, and that at the time of such delivery of said Note, I received from said purchaser the amount hereinbelow stated, in full payment for said Note, computed as follows: Price. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest on said Note accrued to the date of such delivery............. Amount Received.... ................. $996,000 -0- $996,000 223880.1 015832 CERT . . IN WITNESS WHEREOF, we said corporate seal has hereunto September, 1998. have hereunto set our hands and been affixed this 18th day of Signature Term of Office Expires Title . ~.C.D.~~ December 31, 1999 .~O.Q(//4December 31, 1999 Supervisor Town Clerk (SEAL) I HEREBY CERTIFY that the signatures of the officers of the above-named Town, which appear above, are true and genuine and that I know said officers and know them to hold the ~:g;;;p' ;~:~'n;$;;~:'~er{Na~~tnk) 223880.1 015832 CERT .~ . . ATTORNEY'S CERTIFICATE I, Gregory F. Yakaboski, HEREBY CERTIFY that I am a licensed attorney at law of the State of New York, having offices at Town Hall, 53095 Main Road, Southold, New York, and am the duly chosen, qualified and acting Town Attorney of the Town of Southold, in the County of Suffolk, a municipal corporation of the State of New York and herein referred to as the "Town", that no litigation of any nature is now pending or threatened restraining or enjoining the issuance or delivery of the Note of the Town, payable to Hare & Co., as registered owner, and otherwise described as set forth in Schedule A annexed hereto and by this reference made a part hereof or the levy or collection of any taxes to pay the interest on or principal of said Note, or in any manner questioning the authority or proceedings for the issuance of said Note or for the levy or collection of said taxes, or relating to said Note or affecting the validity thereof or the levy or collection of said taxes, that neither the corporate existence or boundaries of the Town nor the title of any of the present officers thereof to their respective offices is being contested, and that no authority or proceedings for the issuance of said Note has or have been repealed, revoked or rescinded. IN WITNESS WHEREOF, hereunto set my hand this of September, 1998. y 2231l8O.1 015832 CERT ... . Amount and Title: Dated: Mature: Number and Denomination: Interest Rate per annum: . . SCHEDULE A $996,000 Bond Anticipation Note for Various Purposes-1998 September 18, 1998 September 17, 1999 No. 5R-l, at $996,000 3.52% 223880.1 015832 CERT