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1984-90015-Resolution No. 84-048 Recorded 10/4/1984VOL 56 r tIO 1 REVIE LEG . OUNSEL BEFORE THE BOARD OF COUNTY COMMISSIONERS OF DESCHUTES COUNtY, OREGON A Resolution Adopting the Official Statement Relating to Deschutes County's General * Obligation Improvement Bonds, * Series 1984. RESOLUTION NO. 84 -048 'g,, 4. 02 WHEREAS, the Board of County Commissioners authorized the sale of General Obligation Improvement Bonds; and WHEREAS, an Official Statement was prepared for this issue by A. G. Edwards & Sons, Inc., the County's financial consultant; and WHEREAS, the Official Statement was available prior to the first publication of the Official Notice of Bond Sale; and WHEREAS, the Board of County Commissioners has reviewed the Official Statement, and finds it accurate and truly representa- tive of the financial condition of the County and the Bond Issue; now, therefore, BE IT RESOLVED BY THE BOARD OF COUNTY COMMISSIONERS OF DESCHUTES COUNTY, OREGON, as follows: Section 1. That the Official Statement, marked Exhibit "A ", attached hereto and by this reference incorporated herein, is adopted as the County's Official Statement relating to the General Obligation Improvement Bonds, Series 1984, to be issued by Deschutes County, Oregon. DATED this OW day of 1984. BOARD OF COUNTY COMMISSIONERS OF DESCHUTES COUNTY OREGON ATTEST:, t '' L�I:R`1STOW PRANTE, Commissioner Recording Secretary 1 - RESOLUTION NO. 84 -048 LAURE CE A. UTT/E, Commissioner EXHIBIT "A" V�l� PA�:9� PRELIMINARY OFFICIAL STATEMENT DATED: OCTOBER 8, 1984 9 NEW ISSUE SALE DATE: October 24, 1984 DESCHUTES COUNTY o OREGON V $550,000 t General Obligation Improvement Bonds, Series 1984 to Dated: November 1, 1984 Due: As noted below To Bond proceeds will be used to finance improvements to local improvement districts within Deschutes o County. Initial security is provided by assessments against the improved properties. The Bonds are also 2 secured by the County's pledge to levy a tax without limitation as to rate or amount on all taxable property within the County if necessary to pay principal and interest promptly when and as they become due. 5 a in L 1.. ai c 1)uc Principal Due Principal October 1 Amount October 1 Amount 1985 $35,000 1990 $55,000 O 1986 40,000 1991 60,000 1987 45,000 1992 65,000 w 1988 45,000 1993 75,000 c 1989 50,000 1994 80,000 T.! .c I o c c c 0 0 c 0 .1 The bonds are registered bonds in $5,000 denominations, or any integral multiple thereof. Interest is E payable semiannually beginning April 1, 1985 at the office of the Oregon Bank, Portland, Oregon. c O The bonds are not subject to redemption prior to maturity. 32 R The County is offering these bonds for delivery subject to the legal opinion of Ragen, Roberts, O'Scannlain, Robertson & Neill, Bond Counsel, approving issuance of the bonds and stating that interest d on the bonds is exempt from taxation by the United States under present federal income tax laws and from 2. personal income taxation by the State of Oregon under present state law. R 0 o ; c S FINANCIAL ADVISOR Ew T2 O o. c o o A.G. Edwards & Sons, Inc. N C L O I- VOL 56 FACE 903 BOND ISSUE SUMMARY DESCHUTES COUNTY $550,000 GENERAL OBLIGATION BANCROFT IMPROVEMENT BONDS SERIES 1984 SALE DATE: October 24, 1984, 9:00 a.m., Prevailing Pacific Time. DATE OF ISSUE: November 1, 1984. RATING: The County has applied to Moody's Investors Service for a rating on this issue. The County's other general obligation debt is currently rated single "A" by Moody's. PURPOSE: To finance various projects within local improvement districts. See section entitled The Projects" for additional detail. DENOMINATIONS: $5,000, or integral multiples thereof. MATURITIES: Principal is payable October 1, commencing October 1, 1985. Interest is payable April 1 and October 1, commencing April 1, 1985. Maturity Principal Maturity Principal Date Amount Date Amount 10/1/85 $35,000 10/1/90 $55,000 10/1/86 40,000 10/1/91 60,000 10/1/87 45,000 10/1/92 65,000 10/1/88 45,000 10/1/93 75,000 10/1/89 50,000 10/1/94 80,000 AVERAGE LIFE: 6.14 years. REDEMPTION: The Bonds are not subject to redemption prior to maturity. REGISTRATION: The Bonds are in registered form. PLACE OF PAYMENT: The Bonds are payable at the office of the Oregon Bank, Portland, Oregon. AUTHORIZATION: The Couuty Commission approved issuance of the Bonds at its regular September meeting. SECURITY: DISCOUNT: BIDDING LIMITATIONS: TAX LIMITATION: TAX EXEMPT STATUS: LEGAL OPINION: PENDING LITIGATION: DEFAULT: REMEDIES IN THE EVENT OF DEFAULT: VOL 56 FACE 944 The Bonds are general obligations of the County. The County has the power and is obligated to cause ad valorem taxes, without limitation as to rate or amount, to be levied annually upon all taxable property within the boundaries of the County in an amount sufficient to pay the principal of and interest upon the Bonds. Bids must be for not less than 98 percent of the par value of the Bonds. The interest rate bid on any maturity of Bonds cannot be less than the rate specified for any prior maturity. Each interest rate must be in multiples of 1/20 or 1/8 of one percent. The County reserves the right to reject all bids. Increases in property tax levies for operating purposes that exceed the "six- percent limitation" created by the state's constitution must be voter approved. The state constitution excludes special and serial levies and levies for payment of debt service from this limitation. See the "Tax Levy and Collection Procedures" section for more detailed information. Also see "Initiative Petitions" section for a discussion of the proposed property tax measure that is on the November, 1984 ballot. In the opinion of Bond Counsel, the interest on the Bonds is exempt from all present federal income taxes and State of Oregon personal income taxes. The unqualified legal opinion of Ragen, Roberts, O'Scannlain, Robertson & Neill, Attorneys, of Portland, Oregon will be furnished free of charge to the original purchaser of the Bonds. A copy of the legal opinion will be printed on each Bond. There is no litigation pending or threatened against the County that would in any way relate to the Bonds. The County has never defaulted on any debt obligation. In the opinion of Bond Counsel, in the event of a default on the Bonds, the County could be compelled by a court of competent jurisdiction, in an appropriate proceeding, to levy annually a tax, without limit as to rate or amount, sufficient to pay principal and interest on the Bonds and to order payment on the Bonds from funds lawfully available therefor. In exercising its discretion as to whether to enter such an order, the court may take into account all relevant factors including the current operating needs of the County and the availability and adequacy of other remedies. CUSIP NUMBERS: LEGALITY OF INVESTMENT: FINANCIAL ADVISOR: VOL 56 ?ACE 905 Enforcement of a claim for payment of principal of or interest on Bonds may also be subject to the applicable provisions of federal bankruptcy laws and to the provisions of other statutes, if any, hereafter enacted by the Congress or the legislature extending the time for payment or imposing other constraints upon enforcement insofar as the same may be constitutionally applied. CUSIP identification numbers will be printed on the bonds. Failure to print, or improperly imprinted numbers will not constitute basis for the purchaser to refuse to accept delivery. The Bonds are legal investments for all Oregon trust funds, commercial and savings banks, trust companies and funds of insurance companies. A. G. Edwards & Sons, Inc. has acted as Financial Advisor to the County in connection with preparation of this statement and the issuance of the Bonds. The County and the Advisor have agreed in writing that the Advisor may submit a bid to purchase this issue at the public sale. APPROVAL OF COUNSEL: Legal matters incident to the authorization, issuance and sale by the County of the Bonds are subject to the unqualified approving opinion of Bond Counsel, Ragen, Roberts, O'Scannlain, Robertson & Neill. Bond Counsel has not independently verified the accuracy or completeness of the representations in this Official Statement except that information contained in the Bond Issue Summary section. EXPERTS: The financial statements of the County included in the Appendix of this statement were prepared by Donaca, Battleson, Ashford & Company, certified public accountants. The summaries of financial results that appear in the text of the Official Statement were prepared by the Financial Advisor and were not reviewed by the auditors. The auditors were not requested to review the Official Statement and therefore offer no opinion regarding the statement. INFORMATION SOURCES: The information contained in this Official Statement has been obtained from the County and State of Oregon public records or from the sources indicated in the statement. This Official Statement describes the affairs of the County up to the date hereon; it does not purport to describe the affairs of the County after this date. DELIVERY: ADDITIONAL INFORMATION: VOL 56 PAGE 996 Delivery of the Bonds will be made without undue delay at the expense of the County at such place in the City of Portland, Oregon as the successful bidder shall name or elsewhere at the expense of the successful bidder. A. G. Edwards & Sons, Inc., 0119 S.W. Bancroft Street, Portland, Oregon 97201, (503) 248 -9544. • . VOL 56 PAv: 907 DESCHUTES COUNTY State of Oregon INTRODUCTION Formed in 1916 from a portion of Crook County, Deschutes County contains an area of approximately 3,041 square miles. The County took its name from one of Oregon's most scenic rivers, originally called "Riviere des Chutes" (River of the Falls) by the French- Canadian fur trappers of the old Hudson's Bay Company. Population in the County is concentrated in three cities: Bend, the County Seat (with an estimated 1983 population of 17,840); Redmond, (6,605); and Sisters (730). Much of the recent population growth in the County has been the result of development in unincorporated areas. Deschutes County is located in central Oregon on the eastern slopes of the Cascade Mountain Range. The City of Bend, located near, the center of the County is 128 miles east of Eugene and 160 miles southeast of Portland. From the peak of South Sister, elevation 10,358 feet, to its fertile valleys, Deschutes County encompasses a varied topography. It has experienced the most rapid growth of any county in the state over the past ten years. Economic activity has been shifting from manufacturing to nonmanufacturing in recent years as recreational activities have outpaced the forest products sector. The County's natural beauty has contributed to considerable resort development related to both summer and winter sports. In the summer, golf, hiking, boating, fishing and tennis bring thousands of visitors to central Oregon. In the winter, the skiing on Mt. Bachelor (elevation 9,060) is a popular attraction that brings enthusiasts from all parts of the United States. Three large developments, Sun River, Black Butte Ranch, and the Inn of the Seventh Mountain serve as destination resorts and as sites for retirement and vacation homes. The forest products industry, previously the basis of the central Oregon economy, continues to be the largest component of the manufacturing sector. Plywood, particleboard, furniture components and mobile homes are the principal products. During the 1970s, emphasis began to shift from lumber production to the remanufacturing of wood products. In recent years this trend has included the attraction of non - lumber manufacturers. Deschutes County now has Oregon's most diverse economic base east of the Cascades. GOVERNMENT AND ADMINISTRATION Deschutes County is governed by a three - member Board of Commissioners. The full -time Commissioners are elected at large to staggered four -year terms. The Board is responsible for policy formation and general administration of County affairs. Other elected County officials provide daily management of specific departments. These include the District Attorney, Clerk, Sheriff, Treasurer, Assessor, and Surveyor. vet 56 FACE 908 BOARD OF COUNTY COMMISSIONERS Albert Young, Chairman Laurence A. Tuttle Lois Bristow Prante OTHER ELECTED OFFICIALS Office Name County Treasurer: Helen Rastovich County Assessor: Oscar Bratton County Surveyor: David Hoerning District Attorney: Tom Howes County Clerk: Mary Sue Penhollow County Sheriff: Jim France APPOINTED OFFICIALS Office Administrative Services Director County Counsel Term Expires Name Michael A. Maier Richard L. Isham 1986 1986 1984 1986 1986 1984 ' VOL 56 PAGE 949 ADMINISTRATIVE PERSONNEL Michael A. Maier, Administrative Services Director, Mr. Maier has been Administrative Services Director for Deschutes County since 1979. Prior to joining the County, Mr. Maier was Court Administrator of Clackamas County for two and one -half years and served as Administrative Assistant to the Court Administrator of Orange County, California. He has a bachelor's degree in Criminology from California State University at Long Beach and a Master's in Public Administration from the University of Southern California. Richard L. Isham, County Counsel Mr. Isham is a graduate of Southern Oregon College and the Northwestern School of Law at Lewis and Clark College. Mr. Isham has been County Counsel for four years. His municipal law background includes three years as Assistant County Counsel for Polk County, Oregon, legal counsel for the Housing Authority and Urban Renewal Agency of Polk County, and contract work with the cities of Monmouth and Independence, Oregon. Prior to joining government, Mr. Isham was employed by Standard Insurance Company of Oregon. Helen Rastovich. County Treasuer A life -long resident of Central Oregon, Ms. Rastovich was appointed County Treasurer of Deschutes County in 1965 and first elected to the position in 1966. Her government activities include membership on the Oregon Municipal Debt Advisory Commission, membership on the Board of the Oregon Tax Collectors Association, and member and past president of the Oregon State Association of County Treasurers and Finance Officers. In addition, Ms. Rastovich is a member of the National Association of County Treasurers and Tax Collectors and has served as a member of the board of that organization. OTHER PERSONNEL Deschutes County has a staff of approximatey 438 employees; 294 salaried and 144 hourly. These figures include reserve deputies and on -call employees. The actual payroll for August of 1984 was 388. General Fund employees are not a part of any organized bargaining unit. Of all County employees, only the Sheriff's Department has representation. Approximately 40 members of this Department are represented by the Deschutes County Sheriff's Association. This group is now in the second year of a two -year agreement that expires on July 30, 1985. The Sheriff's Department employees are prohibited by law from striking. All disputes between the County and the Sheriff's Association must go to binding arbitration. During the past five years there have been three votes by other County employees on representation. In each case the employees voted down the proposals. General relations with employees are characterized as "good" by County officials. VOL 56 rAGE 910 MUNICIPAL SERVICES Until recently, counties in Oregon functioned almost exclusively as agents of state government. However, in 1958 a constitutional amendment authorized counties to adopt "home rule" charters and a 1973 state law granted counties power to exercise broad "home rule" authority. According to the Oregon Blue Book 1983 -1984, "the national Advisory Commission on Intergovernmental Relations has identified county government in Oregon as having the highest degree of local discretionary authority of any state in the nation." Services provided by counties in Oregon now include: public health, mental health, community corrections, juvenile services, criminal prosecution, parks, libraries, land use planning, building regulations, elections, air pollution control, senior services, and many others. Water In unincorporated areas of the County there are a number of independent water districts. Incorporated cities and towns are responsible for their own water supplies. Sewer Sewer services are provided primarily by incorporated cities within the County. Unincorporated areas generally are served by septic tanks or independent sanitary districts. Sheriff Deschutes County, along with the Oregon State Police, assumes considerable responsibility for law enforcement within the County. These activities are supported by the Sheriff's Law Enforcement Levy, which will be $2,491,203 in fiscal year 1984 -85. Fire The County administers a number of rural fire protection districts to serve unincorporated areas. Incorporated cities are responsible for their own fire protection services. Transportation The maintenance and repair of county roads is one of Deschutes County's primary responsibilities. Routine maintenance is provided on a regular basis, with major repairs, extensions and replacements financed through the issuance of assessment bonds. A number of county road districts have been formed to provide for road maintenance and repair. VOL 56 PAGE 911. Health Care Health care services in Deschutes County are provided by the Central Oregon Hospital District and St. Charles Hospital. In addition, health care services to the elderly are provided by four convalescent homes, three of which are located in Bend, and one is located in Redmond. Library Deschutes County operates a library with its main branch in Bend and other branch offices at 2 sites around the county. The library operations are supported by a serial levy that will total $777,454 in fiscal year 1984 -85. Parks Major park facilities are provided by the Central Oregon Park and Recreation District and the Bend Metropolitan Park and Recreation District. Schools The County has no direct responsiblity to provide school facilities and services. This responsibility lies with independent school districts #1 (Bend), #2J (Redmond), #6 (Sisters), and #I5 (Brothers). ' VOL 56 PAGE 912 PRIVATE SECTOR SERVICES Utilities Electric power is provided to residents of Deschutes County by Pacific Power & Light, an investor -owned utility, Mid —State Electric Co—op, and Central Electric Co—op. Natural gas is supplied by Cascade Natural Gas and telephone service by Pacific Northwest Bell and United Telephone. Energy In the past, Northwest energy generation was dominated by hydroelectric facilities on the Columbia River. The considerable capacity of these dams was more than adequate to meet demand, even during the dramatic growth periods of the 1960s and 1970s. However, as energy use grew with greater population and industrial expansion, there was concern that these traditional hydroelectric sources would be unable to keep pace. Forecasts of use into the 1980s and beyond began to show that demand would exceed supply. In response to these forecasts, many utilities in the Northwest contracted with the Washington Public Power Supply System (WPPSS) to purchase the generating capacity of five nuclear power plants. The cost of constructing these plants greatly exceeded original projections. At the same time, estimates of future energy demand were revised to show that there would be no immediate need for the output of all five plants. The revised estimates were due to the current economic recession, lower demand as energy prices were increased, and conservation. Construction has been terminated on Plants 4 and 5, and work on Plant 3 has been delayed until 1986. Pacifc Power & Light •(PP &L), an investor -owned utility that provides some of the electric service to Deschutes County, owns 10% interest in Plant 5. WPPSS is now in default on its obligation to pay debt service on the bonds issued to finance Plants 4 and 5. The Oregon Supreme Court has upheld the legality of the contracts entered into between WPPSS and the various Oregon municipalities and people's utility districts. The Oregon Supreme Court did not, however, rule on the enforcability of the agreements. This leaves the future liability of Oregon ratepayers in question. A number of legal challenges remain unresolved and until these are clarified, the ultimate impact of the projects on energy rates in the region will be uncertain. In the last three years, the Bonneville Power Administration has raised its wholesale rates 60%, 59% and 22%. Over the same period, rates for direct service industry customers were raised 188 %, 50% and 9 %. rnitial projections for 1984 show smaller rate increases. J VOL 56 fAcE 913 THE PROJECT The $550,000 Series 1984, Bancroft Improvement Bonds are being issued pursuant to applicable sections of Oregon Revised Statutes Chapters 371 and 223. These statutes govern the financing of projects within local improvement districts. Initial security for bonds issued to finance such projects is provided by the repayment of assessments against the improved properties. Such assessments, until paid, represent a lien on the property. Ultimate security is a pledge of the County's full faith and credit, including the promise to levy a property tax on all taxable property in the County without limitation as to rate or amount. The Series 1984 bonds are being issued to finance road and street improvements in the following local improvement districts: District Amount of Assessment Date Assessed Williams Loop $ 40,399.00 2/16/83 Breightenwood 86,000.00 2/16/83 Equestrian 98,370.18 2/22/84 35th Street 30,450.00 2/22/84 Klippel Acres 123,060.00 2/22/84 Preble Way 30,107.40 2/22/84 Cheyenne 122,107.70 8/29/84 McGill 62,450.00 8/29/84 Mathers 39,675.00 8/29/84 Glenwood 61,076.50 8/29/84 VOL 56 PACE 914 DEBT INFORMATION DEBT LIMITATION Oregon Revised Statutes 223.295 allows counties to issue general obligation Bancroft Improvement Bonds in amounts not to exceed 9.0% of true cash value. Bancroft Improvement Bonds may be issued without voter approval, providing the required hearings and remonstrance proceedings are held. Such bonds may be issued in amounts equal to the amount of unpaid assessments for which installment contracts have been filed with the county. DEBT AUTHORIZATION As noted above, Bancroft Improvement Bonds may be issued without voter authorization. Oregon Revised Statutes provide that counties may secure such bonds with a full faith and credit pledge, including a promise to levy property taxes on all taxable property within the county without limitation as to rate or amount if necessary to provide for the payment of principal and interest on the bonds. The Deschutes County Board of Commissioners authorized the issuance of $550,000 Series 1984 general obligation Bancroft Improvement Bonds at their regular September meeting. DEBT MANAGEMENT Deschutes County has always met its obligation to make principal and interest payments in a timely manner. The County has never defaulted on any debt obligation. In the course of its management of assessment bond issues, Deschutes County has never had to foreclose on property owners who have failed to make their assessment payments. Most County Bancroft issues have been sold to provide streets and roads to newly developed residential areas. For this reason, Deschutes County has made interfund loans from the County Road Fund to the Bancroft Bond Redemption Fund to cover debt service payments prior to the receipt of assessment payments from property owners. At this time the Bancroft Bond Redemption Fund owes the County Road Fund approximately $60,000. These funds have always been repaid without recourse to foreclosure proceedings against property owners. Deschutes County has never had to levy a property tax to provide for principal and interest payments due on Bancroft bonds. DEBT HISTORY OUTSTANDING AND PROPOSED GENERAL OBLIGATION DEBT (as of August 31, 1984) Date Issue Issued Public Library 10/1/78 County Roads 10/1/81 Seventh Mountain Service District 3/1/82 PROPOSED ISSUE 10/1/84 Maturity Date 10/1/88 10/1/91 3/1/92 Amount Issued $ 383,097 1,635,000 779,246 10/1/94 $ 550,000 TOTAL OUTSTANDING (including new issue) Overlapping District City of Bend City of Redmond School District # 1 School District # 2J School District # 2J (1968 issue) School District # 6 Cent. Oregon Hosp. Dist. Cent. Oregon Commmun.Col. City of Sisters Black Butte Ranch R.F.P.D. LaPine R.F.P.D. Central Oregon Park & Recreation District Bend Metropolitan Park Recreation District Laidlaw Water District Cloverdale R.F.P.D. 35 Others TOTAL OVERLAPPING DEBT (as of August 31, 1984) Overlap 100.00% 100.00 100.00 93.84 VOL 56 PACE 915 Amount Outstanding. $ 255,000 1,540,000 735,000 550.000 $ 3,080,000 Overlapping Gross Net $ 15,348,900 $ 8,790,000 6,551,000 6,551,000 25,145,000 22,005,000 3,870,900 3,870,900 94.27 1,258,505 1,258,505 100.00 2,005,000 2,005,000 100.00 4,219,000 4,219,000 73.08 1,035,544 876,960 100.00 476,000 476,000 100.00 430,000 430,000 100.00 210,000 210,000 100.00 670,000 670,000 100.00 600,000 600,000 100.00 96,043 96,043 100.00 16,000 16,000 various 0 $ 61,931,892 $ 52,074,408 SOURCE: Municipal Bond Division, Oregon State Treasury. True Cash Value Assessed Value Gross Direct Debt Net Direct Debt Net Direct and Overlapping Debt DEBT RATIOS Per Capita $ 38,002 36,482 48.66 0.00 822.66 vo. 56 PAGE 916 As a % of As a % of True Cash Value Assessed Value 104.17% 96.0% — 0.13 0.13 0.00 0.00 2.16 2.25 1 - Based on 1983 -84 True Cash Value of $2,405,524,266 and Assessed Value of $2,309,303,295. Assumes Series 1984 bonds will be fully self- supporting. FUTURE BORROWING PLANS Deschutes County has no plans to issue debt to fund major capital improvement projects at this time. The only borrowing anticipated is a Bancroft issue of approximately $500,000 for road improvements that will be offered for sale in early 1985. FUTURE ANNUAL DEBT SERVICE REQUIREMENTS Fiscal Outstanding Proposed Year Prin Int Total Prin Int Total TOTAL 1984 -85 $ 170 $ 236 $ 406 $ - $ 19 $ 19 $ 425 1985 -86 195 213 408 35 46 81 489 1986 -87 215 189 404 40 43 83 487 1987 -88 245 164 409 45 39 84 493 1988 -89 275 136 411 45 36 81 492 1989 -90 300 105 405 50 32 82 487 1990 -91 340 70 410 55 28 83 493 1991 -92 380 29 409 60 23 83 492 1992 -93 - - - 65 17 82 82 1993 -94 - - - 75 11 86 86 1994 -95 - - - 80 4 84 84 1995 -96 - - - - - - - TOTAL $2,120 $1,143 $3,263 $ 550 $ 298 $ 848 $ 4,110 1 - Assumes a net interest cost of approximately 8.8% on the Series 1984 Bonds. PROJECTED TAX RATE FOR DEBT SERVICE VOL 56 ?ACE 9I7 Projected Tax Rate Assessed Per $1,000 Fiscal Value Assessed Year ($ in 000) Value 1985 -86 $ 2,419,438,038 0.12 1986 -87 2,479,923,989 0.11 1987 -88 2,541,922,089 0.10 1988 -89 2,605,470,141 0.08 1989 -90 2,670,606,895 0.07 1 - Assumes an annual growth rate in assessed value of 2.5 %. Based upon current assessed value of $2,302,855,955 (base assessed value less real and personal property exemptions or cancellations of $6,447,340). Based on estimate provided by Financial Advisor. 2 - Assumes no property tax will be levied for existing or proposed Bancroft bonds. VOL 56 PAGE 918 PROPERTY ASSESSMENT AND EQUALIZATION ASSESSMENT Assessment of most property in Oregon for tax purposes is done by the county assessor. An exception is public utility property, which is assessed by the State of Oregon Department of Revenue. All property is assessed on a six -year cycle with annual adjustments designed to maintain assessments within a 5% deviation of county -wide market value. The assessment roll, listing all taxable property, is prepared as of January 1 each year. Both real and personal property is subject to taxation. Exemptions include household furnishings, automobiles, crops, orchards, business inventories, personal belongings and intangible property (bank accounts, stocks, bonds, etc.). In addition, there is no tax on property used for religious, fraternal and government purposes and reductions in assessments are granted for certain farm lands and veterans' homesteads. EQUALIZATION Prior to 1980, there was no distinction made between assessed and true cash or market value in Oregon. Beginning with the 1980-81 fiscal year, taxable property was divided into two classes - - "Homestead" and "All Other ". The "Homestead" class consists of owner- occupied, single- family residences. Appraisal is still at true cash value, but assessment is adjusted by a ratio designed to limit annual growth statewide to 5% in each category. The distinction between classes of property was eliminated by the 1983 Legislature, but assessed value growth will continue to be limited to 5% annually statewide. These ratios are provided below: Year Homestead All Other 1980 -81 84.2% 87.6% 1981 -82 81.6 84.4 1982 -83 83.8 85.1 1983 -84 90.3 90.9 L1 VOL 56 PAGE 9.19 TAR LEVY AND COLLECTION PROCEDURES TAX LEVY In Oregon there are three different types of levies: (1) the tax base levy; (2) the voter - approved levy outside the annual growth limitation; and (3) the levy not subject to the annual growth limitation. Each of these is described below: Tax Base Levv At any general election, voters may approve a tax base. This base, once approved, represents a permanent authority to levy a tax on property in the jurisdiction. The dollar amount that may be levied is allowed to increase up to 6% each year. If the levy does not increase by the maximum each year, the limit is the highest amount levied in any of the past three years, plus 6% thereof. The tax base levies may also be increased when additional property is annexed into the jurisdiction. Voter - Approved Levy Outside Limitation Voter approval is required to levy a tax for operations that exceeds the base (or largest of past three levies) by more than 6 %. The approved levy may be either a special, one -year authority to exceed the 6% limit or a serial levy that provides for collection of a set dollar amount over a period of up to ten years. Serial levies may also specify a specific tax rate to be applied each year, but such rates are subject to the tax rate freeze described in the section below on "Legislative Actions Relating to Property Taxes." Levy Not Subiect to Limitation In Oregon, voter - approved general obligation bond issues and Bancroft improvement bond issues are ultimately secured by the issuers' pledge to annually levy an amount sufficient to pay principal and interest costs when due. The levy amounts necessary to meet these obligations are not limited by Oregon law. Receipts from a levy for debt service may not be used for any other municipal purpose. VOL 56 PACE 920 COLLECTION PROCEDURES Property tax rates are computed by the county treasurer who then bills and collects all taxes and makes periodic distribution of revenues to the various taxing entities. Tax rates are expressed as dollars per $1,000 of assessed value. As taxes are collected they are placed in an unsegregated pool and each taxing unit receives a pro rata share of the pooled funds, regardless of the actual collection experience within its boundaries. Therefore, if a county collected 95% of the various levies, each taxing unit would receive 95% of its levy. Taxes are levied on July 1 and are due November 15 of the same calendar year. For real property the taxes become a lien on July 1 and for personal property on January 1. Taxes may be paid in full on November 15 or in three equal installments on November 15, February 15, and May 15. A 3% discount is allowed if taxes are paid in full on November 15 and a 2% discount is granted for two- thirds payment. For late payments, interest accrues at the rate of 1% per month after each trimester. Foreclosure proceedings are initiated four years after the tax due date. LEGISLATIVE ACTIONS RELATING TO PROPERTY TAXES Over the past several years, the Oregon Legislature has enacted a number of laws and programs to provide property tax relief. One such program calls for General Fund payments to off -set the property tax on homesteads. In 1980 -81, this program provided for a maximum payment of $800. In subsequent years reduced revenue collections by the State resulted in reduced appropriations for this purpose and the maximum relief amounts fell to $425 in 1981 -82, $192 in 1982 -83, and $170 in 1983 -84. This decline in direct relief from the State has contributed to repeated attempts by disaffected voters to approve an initiative that would constitutionally Limit property taxes (see section entitled "Initiative Petitions "). The 1983 Legislature approved a property tax freeze that went into effect January 1, 1984. This legislation specified a maximum net tax rate that may be levied by a municipality. The maximum net tax rate is the tax rate extended on the roll minus bond and serial levy rates. This is limited to the higher of (1) the net tax rate in 1981, 1982 or 1983, or (2) the rate necessary to raise the tax base or the first levy made by a unit, or (3) a temporary rate limit approved by the voters for not more than three years, or (4) a levy adjusted for an assessed value growth below 5% or a major decrease in non -ad valorem tax revenue. Two elections are allowed each year at which the electorate may vote to exceed the limit. In a move designed to simplify levy approval procedures, the 1983 Legislature repealed the requirements for separate "A" and "B" ballots. These had been used to distinguish between levy amounts that were eligible for partial state assistance and those that were not. vol. 56 PAGE 921. INITIATIVE PETITIONS An initiative petition which would establish a 1.5% limit on the amount of ad valorem taxes levied by state and local governments in Oregon was filed with the office of the Secretary of State on June 27, 1984 with some 124,000 signatures. The Secretary of State's office determined that the petition had the required 86,631 signatures necessary to place the initiative on the November 6, 1984 ballot. This initiative petition appears similar to ballot measures which were rejected by Oregon voters in each of the past three General Elections. The initiative would limit all ad valorem real property taxes to not more than one and one -half percent (1 1/2 %) of the 1981 assessed value (adjusted for the intervening period by not more than 2% per year) of property for the tax year beginning July 1, 1985. The 1 1/2% limitation would not apply to ad valorem taxes or special assessments levied to pay interest on an principal of anv indebt ?dness authorized prior to or concurrent with the passage of the initiative. Sections 2 and 6 of the current tax limitation measure directly affect the ability of the state and local governments to issue bonds. Section 2 of the measure states that the 1 1/2% limitation (or $15 per $1,000 of assessed value) shall not affect taxes or special assessment levied to pay interest and redemption charges on any bonded indebtedness authorized prior to or concurrent with the date upon which this amendment becomes effective. Section 6 provides that after the "effective date ", the state and local governments may increase a tax rate or special assessment or may levy a new tax or special assessment only by a majority vote of the legal voters of the taxing unit voting on the question, provided that at least 50% of the legal voters of the taxing unit vote on the question. The election dates for these new or increased taxes or special assessments are to be held on the third Tuesday in May or the first Tuesday after the first Monday in November. This would be a major change from current election procedures, where only a majority of those voting on a tax levy are required to approve the levy at any one of six election dates. It is difficult to determine definitively what the impact of the measure is going to be on the state or on local governments. It is assumed that for most general obligation bonds, "authorized" as used in Section 2 of the measure would mean approved by the registered voters of the issuer at an election held to approve the issuance of general obligation bonds. In addition, although the measure would have no impact on the collection of ad valorem taxes or assessments for the payment of debt service on previously authorized obligations, there may be a substantial impact on the ability of local governments to collect ad valorem taxes and special assessments for the purpose of funding operations or for other purposes. This may result in reduction of services provided by local governments with a consequent impact on local economies. WI. 56 FACE 922 PROPERTY VALUATION HISTORY Fiscal Assessed Year Value Change 1978 -79 $ 1,140,201,271 35.7% 1979 -80 1,565,917,743 37.3 1980 -81 1,771,808,854 13.1 1981 -82 2,008,766,982 13.4 1982 -83 2,119,156,914 5.5 1983 -84 2,302,855,955 8.7 1 - Beginning with the 1980 -81 fiscal year, assessed value is derived by applying a statewide ratio to true cash value. This ratio is applied to limit valuation growth to no more than 5 %. Prior to 1980 -81, the assessed value and true cash value were the same. (See section of Official Statement entitled "Assessment and Equalization. ") Debt limitations continue to be calculated based on true cash value. SOURCE: Deschutes County Assessor's Office. TAX COLLECTION RECORD Fiscal Total % Collected % Collected Year Levy Year of Levy as of 8/30/84 1978 -79 1,501,001 85.5% 99.9% 1979 -80 1,509,988 83.6 99.9 1980 -81 1,067,394 85.0 99.9 1981 -82 3,783,483 83.2 94.3 1982 -83 4,539,715 84.1 91.0 1983 -84 5,020,875 86.2 86.2 1984 -85 4,608,990 1 - Property taxes in Oregon are collected by the county and are distributed to municipalities within the county on a pro rata basis, each municipality receiving the same percentage of its levy. SOURCE: Deschutes County Assessor's Office. CONSOLIDATED TAX RATE Tax Code Area 1 -1 District DESCHUTES COUNTY Education Service District Central Oregon Community College Deschutes County S.D. #1 (Bend) Central Oregon PUD City of Bend Bend Metro Park & Rec. Dist. Consolidated Tax Rate VOL 56 PACE 923 1983 -84 Tax Rate Percent Per $1.000 of Total 1.96 9.3 0.22 1.0 1.38 6.6 12.33 58.6 3.98 18.9 1.18 5.6 $ 21.05 100.0% 1 - Tax code area 1 -1 is located within the City of Bend. SOURCE: Deschutes County Assessor's Office. SUMMARY OF GENERAL FUND BUDGET FISCAL YEAR 1984 -85 RESOURCES Current Property Taxes Estimated Property Taxes Not To Be Collected Non - Property Tax Resources vat 56 PACE 924 $ 1,294,535 (194,180) 4,618,084 TOTAL $ 5,718,439 REQUIREMENTS Total Personal Services Total Material and Services Other Expenditures and Requirements Total Capital Outlay Unappropriated Balance $ 3,219,141 1,079,564 1,011,234 8,500 400,000 TOTAL $ 5,718,439 SUMMARY OF SHERIFF'S LAW ENFORCEMENT FUND BUDGET FISCAL YEAR 1984 -85 RESOURCES Current Property Tax Levy Estimated Property Taxes Not To Be Collected Non - Property Tax Resources $ 2,491,203 (373,681) 450,000 TOTAL $ 2,567,522 REQUIREMENTS Total Personal Services Total Materials and Services Total Other Expenditures and Requirements Total Capital Outlay $ 1,837,101 337,560 144,361 248,500 TOTAL $ 2,567,522 SUMMARY OF COUNTY LIBRARY FUND BUDGET FISCAL YEAR 1984 -85 RESOURCES Current Property Taxes Estimated Property Taxes Not To Be Collected Non - Property Tax Resources VOL 56 FACE 925 $ 777,454 (116,899) 340,700 TOTAL $ 1,001,255 REQUIREMENTS Total Personal Services Total Material and Services Other Expenditures and Requirements Total Capital Outlay $ 460,148 328,740 138,336 74,031 TOTAL $ 1,001,255 SUMMARY OF LIBRARY DEBT SERVICE FUND BUDGET FISCAL YEAR 1984 -85 RESOURCES Current Property Taxes Estimated Property Taxes Not To Be Collected Non - Property Taxes Resources TOTAL REQUIREMENTS $ 45,798 (6,798) 55,353 $ 94,353 Total Personal Services $ 0 Total Materials and Services 0 Total Other Expenditures and Requirements 94,353 Total Capital Outlay 0 TOTAL $ 94,353 DESCHUTES COUNTY GENERAL FUND BALANCE SHEET HISTORY FISCAL YEARS 1981, 1982 and 1983 Assets Cash and Investments Taxes Receivable Accounts Receivable Inventories TOTAL ASSETS Liabilities & Fund Equity Liabilities Deferred Income Accounts Payable Unmatured Bonds Payable Pending Distributions 1981 VCL 56 PAt:926 1982 1983 $ 298,461 $ 484,855 $ 548,916 276,042 327,735 502,968 47,344 42,119 91,496 $ 621,847 $ 854,709 $ 112,670 TOTAL LIABILITIES $ 112,670 Fund Equity $ 337,418 42,226 $ 1,143,380 $ 492,748 26.535 $ 379,644 $ 519,283 Investment in Fixed Assets $ - $ - $ - Fund Balance Reserved for Inventories Unreserved Designated for Debt Svc. Undesignated 509,177 475,065 624.097 Total Fund Equity $ 509,177 $ 475,065 $ 624,097 TOTAL LIABILITIES & FUND EQUITY $ 621,847 $ 854,709 $ 1,143,380 1 - The summaries on this and the following page were prepared by the Financial Advisor from audited financial records provided by Deschutes County. DESCHUTES COUNTY GENERAL FUND FINANCIAL HISTORY FISCAL YEARS 1981, 1982 AND 1983 1981 Receipts val 56 PAGE 927 1982 1983 Local Taxes $ 986,591 $ 1,056,802 $ 1,896,610 Licenses and Permits 1,099,487 1,185,002 709,533 Fines and Forfeitures 291,176 200,944 157,846 Charges for Services 286,940 333,721 170,161 Interest 501,249 305,545 234,010 Other - 38,306 133,592 Total Current Receipts $ 4,138,699 $ 3,941,826 $ 3,994,225 Transfers In Beginning Fund Balance TOTAL RESOURCES Requirements 494,000 530,495 564,197 764,632 509,177 475,065 $ 5,397,331 $ 4,981,498 $ 5,033,487 Current Expenses General Government $ 584,441 $ 538,484 $ 712,277 General Services 2,249,604 2,350,514 2,508,131 Public Safety 1,024,013 - - Health and Welfare 427,380 518,563 412,780 Sanitation 597,516 603,461 138,695 Capital Outlay - 120,382 276,598 Total Current Expenses $ 4,882,954 $ 4,131,404 $ 4,048,390 Transfers Out 5,200 375,029 360,909 TOTAL REQUIREMENTS $ 4,888,154 $ 4,506,433 $ 4,409,390 ENDING BALANCE $ 509,177 $ 475,065 $ 624,097 VOL 56 PAGU 928 DESCHUTES COUNTY GENERAL FUND COMPARISON OF BUDGETED V. ACTUAL RESULTS FISCAL YEARS 1981, 1982 AND 1983 Receipts 1981 1982 1983 Local Taxes 99.96% 84.32% 93.50% Licenses and Permits 84.53 72.44 113.48 Fines and Forfeitures 95.78 73.74 97.53 Charges for Services 86.17 109.89 107.85 Interest 154.23 174.60 117.01 Other 100.19 50.40 88.81 Intergovermental Federal 91.67 96.42 88.40 State 96.63 106.08 105.18 Counties 100.19 100.07 101.05 Total Current Receipts 96.53 86.95 98.98 Transfers In Beginning Fund Balance TOTAL RESOURCES Requirements Current Expenses General Government General Services Public Safety Health and Welfare Sanitation Capital Outlay Total Current Expenses Transfers Out TOTAL REQUIREMENTS ENDING FUND BALANCE 95.41 100.50 98.79 143.13 164.25 128.40 101.09 92.74 101.15 94.77 96.74 99.89 93.51 91.69 96.19 2.63 92.68 779.42 96.42 95.58 93.22 95.55 95.91 95.54 89.47 95.54 48.32 82.50 87.51 94.55 57.67 65.43 83.89 164.25 91.23 91.23 1 - Figures in table represent actual receipts and expenditures of the County expressed as a percent of budgeted amounts for the year shown. VOL 56 PACE 929 POPULATION DATA % DESCHUTES % STATE OF % YEAR BEND CHANGE COUNTY CHANGE OREGON CHANGE 1950 11,409 - 21,812 - 1,521,341 - 1960 11,936 4.6% 23,100 5.9 1,768,687 16.3 1970 13,710 14.9 30,442 31.8 2,091,533 18.3 1980 17,263 25.9 62,142 104.1 2,633,156 25.9 1981 1982 1983 17,425 0.9 17,800 2.2 17,840 0.2 63,650 64,350 63,300 2.4 2,660,735 1.0 1.1 2,656,185 -0.2 -1.6 2,635,000 -0.8 SOURCE: Population figures cited above for the years 1950, 1960, 1970, and 1980 are U.S. Census statistics. The other are estimates prepared by the Center for Population Research and Census at Portland State University. As can be seen from the population figures presented above, Deschutes County and the State of Oregon experienced considerable growth during the 1960s and 1970s. This growth in Deschutes County was most pronounced during the period between 1970 and 1980. In recent years, as recession has slowed economic growth in Oregon, there has been a slight decline in population, both in the County and statewide. VOL 56 PAGE 930 UNEMPLOYMENT RATES Deschutes State of United Year County Oregon States 1972 6.6% 6.8% 5.6% 1973 6.6 6.2 4.9 1974 9.1 7.5 5.6 1975 11.0 10.6 8.5 1976 9.6 9.6 7.7 1977 7.6 7.3 7.1 1978 6.8 6.0 6.1 1979 9.0 6.8 5.8 1980 11.9 8.3 7.1 1981 13.9 9.9 7.6 1982 16.0 11.5 9.7 1983 12.7 10.8 9.6 JAN - 1984 14.0 12.0 8.8 FEB 13.0 10.9 8.4 MAR 12.9 10.4 8.1 APR 12.9 9.9 7.6 MAY 11.5 9.3 7.2 JUN 10.4 9.2 7.4 JUL - Prelim. 10.7 8.9 7.5 1 - Monthly figures arc not seasonally adjusted. 2 - Military personnel are not included. SOURCE: State of Oregon, Employment Division. Year 1978 1979 1980 1981 1982 Deschutes County $ 393 465 510 549 566 INCOME STATISTICS TOTAL PERSONAL INCOME (in millions) Oregon $ 19,808 22,460 24,678 26,666 27,350 ' VOL 56 PACE 911 United States $ 1,712,066 1,927,005 2,158,685 2,426,901 2,571,517 SOURCE: U.S. Department of Commerce, Bureau of Economic Analysis, Survey of Current Business. Year 1978 1979 1980 1981 1982 Deschutes County $ 7,478 8,402 8,079 8,644 8,86r PER CAPITA INCOME Oregon $ 8,078 8,887 9,356 9,979 10,231 United States $ 7,846 8,757 9,503 10,582 11,100 SOURCE: U.S. Department of Commerce, Bureau of Economic Analysis, Survey of Current Business. Year 1980 1981 1982 1983 EFFECTIVE BUYING INCOME Total Effective Buying Income (in 000) Deschutes County $ 488,293 694,842 513,329 551,827 Oregon $ 20,619,988 22,458,874 23,298,498 24,397,418 Median Effective Buying Income Deschutes County Oregon $ 17,984 17,875 17,823 19,615 $ 17,953 19,036 19,571 20,825 SOURCE: Gales & Marketing Management, Survey of Buying Power, 1980 to 1983. vol. 56 FAGS 932 BANKING STATISTICS The statistics below were derived from the Annual Report of the Superintendent of Banks, Banking Division, State of Oregon Department of Commerce. These data were published with the following disclaimer: "Individual office loan figures may not reflect actual loan activity in a community, as many institutions are centralizing their accounting. In addition, marketing of a significant portion of their loan portfolios on a regular basis to institutional investors can mislead the reader in assumptions as to loan -to- deposit ratios and market share concepts. The loan figures, therefore, represent only those loans housed at the respective offices. It does not take into account loans housed in regional or head offices or loans made and sold and being serviced at the office branch or regional." Year DEPOSIT AND LOAN TOTALS (in 000) City of Bend Deschutes Deposits Loans _Deposi_ts 1979 $ 183,083 $ 155,583 1980 180,807 156,939 1981 165,983 160,199 1982 164,515 147,023 1983 189,310 146,356 $ 282,256 292,366 273,812 277,117 312,588 County__ Loans_ $ 208,568 219,093 215,505 200,978 192,586 SOURCE: Annual Report of the Superintendent of Banks, Banking Division, State of Oregon Department of Commerce, (1979 to 1983 reports). Year 1972 1977 1980 1981 1982 1983 City of Bend $ 68,082 146,415 380,296 n.a. n.a. n.a. RETAIL TRADE ($ in 000) Deschutes County $ 102,088 234,503 380,296 403,304 416,133 436,535 State of Oregon $ 5,190,581 9,347,998 13,186,279 13,861,576 14,487,767 14,879,990 SOURCE: U.S. Department of Commerce, Census of Retail Trade (for 1972 and 1977 figures). Sales & Marketing Management Survey of Buying Power (for other years). rya 56 FACE g33 OFFICIAL NOTICE OF BOND SALE DESCHUTES COUNTY, OREGON STATE OF OREGON $550,000 GENERAL OBLIGATION IMPROVEMENT BONDS, SERIES 1984 Notice is hereby given that sealed bids will be received on behalf of Deschutes County, Oregon until 10:00 o'clock a.m. (Prevailing Pacific Time) on October 24, 1984 at the offices of Ragen, Roberts, O'Scannlain, Robertson & Neill, 1600 Orbanco Building, 1001 S.W. Fifth Avenue, Portland, Oregon, 97204, at which time they will be publicly opened and announced. The bids shall be considered and acted upon by the Deschutes County Board of Commissioners within four hours. ISSUE: FIVE HUNDRED FIFTY THOUSAND DOLLARS ($550,000) consisting of registered bonds in denominations of FIVE THOUSAND DOLLARS ($5,000) or integral multiples thereof, all dated November 1, 1984. INTEREST RATE: Maximum not to exceed a net effective rate of fourteen percent (14 %) per annum. Interest is payable semiannually on April 1 and October 1 of each year commencing April 1, 1985. Bidders must specify the interest rate or rates which the bonds hereby offered for sale shall bear. The bids shall comply with the following conditions: (1) Each interest rate specified in any bid must be a multiple of 1 /8th or 1 /20th of one percent (1 %); (2) No bond shall bear more than one rate of interest; (3) Each bond shall bear interest from its date to its stated maturity date at the interest rate specified in the bid; (4) All bonds maturing at any one time shall bear the same rate of interest; (5) Each maturity rate of interest specified for a particular maturity of bonds shall not be less than the maturity rate of interest specified for any earlier bond maturities. MATURITIES: The bonds shall mature serially on the first day of October of each year as follows: DATE 1985 1986 1987 1988 1989 AMOUNT $35,000 40,000 45,000 45,000 50,000 DATE 1990 1991 1992 1993 1994 AMOUNT $55,000 60,000 65,000 75,000 80,000 VOL 56 FAGS 934 • REGISTRATION: The bonds will be issued in fully registered form, and may be exchanged at the expense of issuer for similar bonds of different authorized denominations. Bonds may not be converted to bearer form. REDEMPTION: The bonds are not subject to redemption prior to maturity. PAYMENT: Principal and interest are payable, either at maturity or upon earlier redemption, by check or draft through the office of the registrar and paying agent of the County, which is currently the Oregon Bank, in Portland, Oregon. PURPOSE: The bonds are being issued to finance various projects within local improvement districts. SECURITY: These bonds are general obligations of the County. The County has the power and is obligated to cause ad valorem taxes, without limitation as to rate or amount, to be levied annually upon all taxable property within the boundaries of the County in an amount sufficient to pay the principal of and interest upon the bonds. LEGAL OPINION: The approving opinion of Ragen, Roberts, O'Scannlain., Robertson & Neill, Attorneys, of Portland, Oregon, will be provided at no cost to the purchaser, and will le printed on the bonds at the expense of the County. TAX EXEMPT STATUS: Interest on the bonds, in the opinion of bond counsel, is exempt from taxation by the United States under present federal income tax laws and from personal income taxation by the State of Oregon under present state law. BEST BID: The bonds will be awarded to the responsible bidder whose proposal will result in the lowest net cost to the County. The successful bid will be determined by computing the total amount of interest which the County would be required to pay from the date of each bond to its respective maturity date at the rate or rates specified in the bid, less premium offered, (and plus discount), if any. Each bidder is requested to supply the total interest cost and net effective interest rate that the County will pay upon the issue if the bid is accepted. The purchaser must pay accrued interest, computed on a 360 -day basis, from the date of the bonds to the date of delivery. The cost of printing the bonds will be borne by the County. DELIVERY: Delivery of the bonds will be made without cost to the successful bidder at such bank in the City of Portland, Oregon, as the successful bidder shall name. Payment for the bonds must be made in Federal funds. The County may deliver a temporary bond, which may be a single registered, typewritten bond, on or before November 6, 1984. The temporary bond shall be exchangeable for definitive registered bonds not later than November 21, 1984. vOL 56 PAGE 335 FORM OF BID: All bid; must be for not less than all the bonds hereby offered for sale, and for not less than ninety -eight percent (98 %) of the par value thereof and accrued interest to the date of delivery. Each bid together with bidder's check as herein specified must be enclosed in a sealed envelope addressed to the County and designated "Proposal for Bonds ". BID CHECK: All bids must be unconditional and accompanied by a certified or cashier's check on a bank doing business in the State of Oregon for Eleven Thousand Dollars ($11,000) payable to the order of the County to secure the County from any loss resulting from the failure of the bidder to comply with the terms of its bid. Checks will be forfeited to the County as liquidated damages in case the bidder to whom the bonds are awarded withdraws its bid or fails to complete its purchase in accordance with the terms thereof. No interest shall be allowed on the deposit but the check of the successful bidder will be retained as part payment of the bonds or for liquidated damages as described above. Checks of the unsuccessful bidders will be returned by the County promptly. RIGHTS OF REJECTION: The County reserves the right to reject any or all bids, and to waive any irregularities. OFFICIAL STATEMENT: The County has prepared an Official Statement relating to the bonds, a copy of which will be furnished upon request to its Financial Advisor, A. G. Edwards & Sons, Inc., 0119 S.W. Bancroft Street, Portland, Oregon, 97201, telephone 503 -248 -9544, or to the undersigned. POTENTIAL BID: The Financial Advisor may submit a bid or participate in a bidding syndicate. CUSIP: CUSIP numbers will not be imprinted upon the bonds of this issue. NO LITIGATION: At the time of payment for the delivery of said bonds, the County will furnish the successful bidder a certificate that there is no litigation pending affecting the validity of the bonds. FURTHER INFORMATION: Additional information regarding the County and this sale may be obtained from James C. Joseph, Public Finance Associate, A. G. Edwards & Sons, Inc., 0119 S.W. Bancroft Street, Portland, Oregon, 97201, telephone 503 - 248 -9544. Helen Rastovich County Treasurer Deschutes County, Oregon