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Amended and Restated Policies and Procedures Regarding Municipal Securities DisclosureCity of Dubuque City Council CONSENT ITEMS # 6. Copyrighted March 3, 2025 ITEM TITLE: Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure SUMMARY: City Manager recommends City Council approval of the suggested proceedings to adopt the Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure. RESOLUTION Authorizing Adoption of Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure SUGGUESTED Receive and File; Adopt Resolution(s) DISPOSITION: ATTACHMENTS: 1. MVM Memo Disclosure Policies and Procedures_MVM Memo_2025_02_25 2. Disclosure Policies and Procedures Staff Memo 2025 02 25 3. Disclosure Policies and Procedures (AR) (Dubuque 2025)-v2 4. Proc Auth AR Disclosure Policies (Dubuque 2025)-v2 5. Dorsey_Securities_Law_Summary-v2 Page 89 of 629 THE C DUUB-.'*-TE Masterpiece on the Mississippi TO: The Honorable Mayor and City Council Members FROM: Michael C. Van Milligen, City Manager Dubuque 2007-2012.2013 2017*2019 SUBJECT: Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure DATE: February 25, 2025 Chief Financial Officer Jennifer Larson recommends City Council approval of the suggested proceedings to adopt the Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure. In January 2015, the City Council adopted certain policies and procedures regarding municipal securities disclosure to be followed in connection with the issuance and on- going administration of publicly offered bonds. As a result of certain changes in Federal law, the City deems it necessary to amend and restate the 2015 Ongoing Disclosure Policy. The amended and restated Disclosure Policy is designed to assist issuers with fulfilling both primary and secondary disclosure responsibilities. It sets forth procedures that govern the preparation of official statements for new bond offerings, compliance with continuing disclosure requirements under a continuing disclosure certificate, and systematic training of key staff members and elected officials. I concur with the recommendation and respectfully request Mayor and City Council approval. Michael C. Van Milligen MCVM/jml Attachment cc: Crenna Brumwell, City Attorney Cori Burbach, Assistant City Manager Jennifer Larson, Chief Financial Officer Brian DeMoss, Finance Manager Page 90 of 629 THE CITY OF Dubuque D UB E All-AmerioaCily 1ll,��n� �, 1. " IIF Masterpiece on the Mississippi rP PP zoo�•o 13 v*20 zo*zoi9 TO: Michael C. Van Milligen, City Manager FROM: Jennifer Larson, Chief Financial Officer SUBJECT: Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure DATE: February 26, 2025 INTRODUCTION The purpose of this memorandum is to request approval of the amended and restated policies and procedures regarding municipal securities disclosure. BACKGROUND In January 2015, the City Council adopted certain policies and procedures regarding municipal securities disclosure to be followed in connection with the issuance and on -going administration of publicly offered bonds. As a result of certain changes in Federal law, the City deems it necessary to amend and restate the 2015 Ongoing Disclosure Policy. DISCUSSION Issuers of municipal securities are regulated by the Securities Act of 1933 and the Securities Exchange Act of 1934 and various rules promulgated under those acts by the U.S. Securities and Exchange Commission ("SEC"). Of particular importance are Rule 10b-5 (which prohibits fraud) and Rule 15c2-12 (which generates an issuer's ongoing disclosure obligations). Taken together, these rules impose primary disclosure duties (i.e. accuracy and forthrightness in the preparation of an official statement for new bond issues) and secondary disclosure duties (i.e. timely filing financial and other data under a continuing disclosure certificate ("CDC") for outstanding bond issues). Various provisions of federal securities law including SEC Rule 10b-5 prohibit fraud in the issuance, purchase, or sale of municipal securities. These provisions generally prohibit "material" misstatements or omissions to investors, potential investors, or the general public. Violation of these provisions can result in civil or criminal liability. When bonds are issued and publicly offered, an official statement will be prepared on behalf of the Issuer. The official statement is the disclosure document that sets forth the terms associated with the bond issue and is used to market and sell the Issuer's bonds. Issuers (including elected officials and staff) are primarily responsible for the accuracy of an official statement. Hiring a professional to assist with the preparation of an OS does not discharge an Issuer's responsibility. The elected officials and relevant employees of an issuer have an Page 91 of 629 affirmative obligation to ensure the accuracy of the contents of the financial and other information in an OS— delivery of an OS without first reading it to gauge its accuracy may be reckless and the basis for an SEC enforcement action. SEC Rule 15c2-12 ensures that Issuers contractually agree to provide certain financial and operating information to investors and the public on an ongoing basis. The type of information that must be reported is generally (i) annual financial reports and (ii) material event notices. Issuers must file updated financial information and operating data on an annual or other regular basis, as specified in their CDC. Generally, the information that must be reported includes audited financial statements, annual financial or operating data, of the type included in the OS for the related bonds. Issuers must notify investors (via a specific filing on the "EMMA" website, at https://emma.msrb.org/) within 10 business days if certain events occur while a bond is outstanding. Generally, those events are items that impact an Issuer's ability to pay, or timely pay amounts owed on outstanding debt, rating changes, defaults, and the incurrence of material financial obligations (debt obligations of the Issuer). At present, there are 16 events that can trigger reporting obligations. The Issuer's Disclosure Policy will detail the events, and the procedures intended to enable timely identification and disclosure. The amended and restated Disclosure Policy is designed to assist issuers with fulfilling both primary and secondary disclosure responsibilities. It sets forth procedures that govern the preparation of official statements for new bond offerings, compliance with continuing disclosure requirements under a CDC, and systematic training of key staff members and elected officials. The training of key staff members and elected officials will be done at a scheduled City Council work session every two years by the Chief Financial Officer with assistance from bond counsel. RECOMMENDATION I respectfully recommend the adoption of the enclosed resolution to adopt the Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure. JML Attachment cc: Crenna Brumwell, City Attorney Cori Burbach, Assistant City Manager Brian DeMoss, Finance Manager 2 Page 92 of 629 City of Dubuque / Disclosure Policies and Procedures City of Dubuque, Iowa POLICIES AND PROCEDURES RE: MUNICIPAL SECURITIES DISCLOSURE As an issuer of municipal securities (bonds and/or notes, referred to herein as "Bonds"), the City of Dubuque, Iowa (the "Issuer") has adopted the policies and procedures set forth herein (collectively, the "Disclosure Policy") to guide the Issuer's actions with respect to complying with (1) the disclosure document (often referred to as the "official statement") for publicly -offered bond transactions and (2) ongoing continuing disclosures associated with outstanding contractual obligations resulting from bond issues (also known as "continuing disclosure"). This Disclosure Policy is designed to provide the necessary policy framework and accompanying procedures for compliance by the Issuer with its disclosure responsibilities. It should be noted, however, issuers of municipal securities are primarily responsible for the content of their disclosure documents including on -going compliance with respect to continuing disclosure. This Disclosure Policy includes the following elements: (1) disclosure training for officials responsible for producing, reviewing and approving disclosure; (2) establishment of procedures for review of relevant disclosure, and (3) ensuring that any procedures established are followed. Background The anti -fraud provisions of federal securities laws apply to municipal securities such as the Issuer's Bonds. The U.S. Securities and Exchange Commission (the "SEC") can bring enforcement actions against the Issuer, members of its governing body, government employees and elected officials, and professionals working on the bond transaction. Government employees and elected officials can be, and have been, held personally liable with respect to securities laws violations related to the issuance of Bonds. Issuers and members of the governing body can mitigate risks related to SEC enforcement by relying on professionals such as disclosure counsel. Issuers may also seek affirmative assurances of compliance with the receipt of a legal opinion from disclosure counsel. When bonds are issued and publicly offered, an official statement will be prepared on behalf of the Issuer. The official statement is the disclosure document that sets forth the terms associated with the bond issue. The official statement will be used to market and sell the Issuer's bonds.' In addition, for transactions larger than $1 million in size that include an official statement, the Issuer enters into a continuing disclosure certificate, agreement or undertaking (the "CDC"). The CDC is a contractual obligation of the Issuer, pursuant to which the Issuer agrees to provide certain financial information filings (at least annually) and material event notices to the public. The CDC is necessary to allow the bond underwriters to comply with SEC Rule 15c2-12, as amended (the "Rule"). As noted below, filings under the CDC must be made electronically at the Electronic Municipal Market Access (EMMA) portal (www.emma.msrb.org). Accordingly, this Disclosure Policy addresses the following three aspects of disclosure: (1) preparation and approval of official statements in connection with new ("primary") bond issues; (2) on -going continuing disclosure requirements under a CDC; and (3) education of staff and elected officials with respect to disclosure matters. ' Under federal law issuers of municipal securities are primarily responsible for the content of their disclosure documents (the official statement), regardless of who prepared the document. An issuer does not discharge its disclosure obligations by hiring professionals to prepare the official statement. An issuer has "an affirmative obligation" to know the contents of its official statement, including the financial statements. Finally, executing an official statement without first reading the document to ascertain whether it is accurate may be reckless (the basis for certain anti -fraud causes of action by the SEC). -1- DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 93 of 629 City of Dubuque / Disclosure Policies and Procedures 1. CD Compliance Officer The Chief Financial Officer and the City Attorney are appointed as the compliance officers for purposes of this Disclosure Policy (each a "CD Compliance Officer"). 2. Primary (New) Offerings of Bonds — Official Statements of the Issuer In connection with the issuance of its publicly -offered Bonds (Bonds sold via the public market, through a broker - dealer known as an "underwriter"), the Issuer will cause its hired professionals to prepare a disclosure document commonly known as an "official statement." The official statement is the document that describes the issuance of the Bonds to the marketplace and as such, under federal law, the official statement cannot contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading. To ensure the Issuer's official statements are properly prepared and reviewed, the Issuer adopts the procedures set forth in Appendix I hereto. 3. Continuing Disclosure Compliance (CDC Compliance) The Issuer has entered into, or may in the future enter into, CDCs in connection with its bond issues. Under these contractual agreements, the Issuer has agreed to provide to the marketplace certain financial information and notices of material events. The Issuer will file, or cause to be filed, necessary items under the CDCs in a searchable electronic format at the Electronic Municipal Market Access (EMMA) portal (www.emma.msrb.org). The determination of whether a material event has occurred will be made pursuant to the Rule and SEC Release No. 34-83885, in conjunction with disclosure counsel and other members of the Issuer's external bond finance working group. To ensure compliance with its contractual continuing disclosure obligations, the Issuer adopts the procedures set forth in Appendix II hereto. 4. Systematic Training of Staff and Governing Body Members In addition to the specific procedures adopted under this Disclosure Policy, the Issuer understands that on -going training of both staff and members of the governing body is essential to successful compliance with the Issuer's disclosure obligations. The training noted below may be accomplished by various methods, including in -person, webinars or other electronic means, or through review of written materials. Accordingly, the Issuer has implemented the following training procedures, which may be implemented with the assistance of disclosure counsel to the Issuer: A. Annual Training. The CD Compliance Officer is responsible for scheduling annual training of Issuer employees regarding disclosure and financial reporting requirements of the federal securities laws. Such training shall include a complete review of this Disclosure Policy, Rule 15c2-12 and the material events required to be reported pursuant to such Rule, and a complete overview of the Issuer's obligations under the federal securities laws. B. Specific Training. When appropriate, the CD Compliance Officer shall conduct (or cause to be conducted) training with individuals on those persons' specific roles and responsibilities in the disclosure and financial reporting process. C. Governing Body Training. Not less than once every two years, the CD Compliance Officer shall schedule a training session for the Issuer's governing body on this Disclosure Policy and the disclosure and financial reporting requirements of the federal securities laws. -2- DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 94 of 629 City of Dubuque / Disclosure Policies and Procedures Appendix I Written Procedures for Preparing Official Statements 1. At the commencement of a financing, the CD Compliance Officer shall develop or cause the Issuer's Finance Team to develop a plan for preparation of the official statement and a schedule that allows sufficient time for all required work, including appropriate review and participation by members of the Finance Team. 2. The CD Compliance Officer shall be responsible for managing the preparation process for the official statement, and shall obtain the assistance of other participants within the Issuer and engage legal and financial professionals, as necessary and appropriate. 3. The CD Compliance Officer shall be responsible for developing a program for coordinating staff review of the disclosure information, as necessary, and obtaining formal sign -off from staff on the disclosure documents. 4. The CD Compliance Officer shall ensure that any previous failure to fully comply with continuing disclosure obligations during the prior five-year period is disclosed in the official statement by reviewing compliance with all outstanding continuing disclosure agreements, reviewing continuing disclosure review documentation prepared by independent parties and contacting disclosure counsel to discuss any questions or concerns. 5. The Issuer's governing body shall be given not less than 7 days to review an official statement prior to being asked to vote on its approval, absent extenuating circumstances. Elected representatives on the governing body shall be directed to contact the CD Compliance Officer during the review period to discuss potential issues, concerns or comments on the official statement. I-1 DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 95 of 629 City of Dubuque / Disclosure Policies and Procedures Appendix II Written Procedures Re: Continuing Disclosure 1. The CD Compliance Officer shall be responsible for compliance with the Issuer's obligations under continuing disclosure agreements, undertakings or certificates (the "CDC"), including without limitation annual filings, material event notice filings, voluntary filings and other filings required by the CDC. 2. Prior to execution of a CDC in connection with a bond issue, the CDC shall be discussed with disclosure counsel, the underwriter and municipal advisor, if any, to ensure a full understanding of issuer obligations. 3. The CD Compliance Officer shall have the primary responsibility to confer with the finance team and Issuer staff bi-weekly to monitor compliance with respect to "material events" as defined in the Rule. The CD Compliance Officer shall be responsible for (i) determining whether any of the following "material events" has taken place (questions regarding their interpretation shall be directed to disclosure counsel), (ii) gathering information material to making that determination from other departments, and (iii) if a material event has occurred, discussing the same with disclosure counsel to determine the form of notice of material event and causing the filing of notice to be made on EMMA within ten (10,) business days of the occurrence of the event: 1. Principal and interest payment delinquencies; 2. Non-payment related defaults, if material; 3. Unscheduled draws on debt service reserves reflecting financial difficulties; 4. Unscheduled draws on credit enhancements reflecting financial difficulties; 5. Substitution of credit or liquidity providers, or their failure to perform; 6. Adverse tax opinions, the issuance by the Internal Revenue Service of proposed or final determinations of taxability, Notices of Proposed Issue (IRS Form 5701-TEB) or other material notices or determinations with respect to the tax status of the security, or other material events affecting the tax status of the security; 7. Modifications to rights of security holders, if material; 8. Bond calls, if material, and tender offers; 9. Defeasances; 10. Release, substitution, or sale of property securing repayment of the securities, if material; 11. Rating changes, including rating upgrades and downgrades; 12. Bankruptcy, insolvency, receivership or similar event of the obligated person; 13. The consummation of a merger, consolidation, or acquisition involving an obligated person or the sale of all or substantially all of the assets of the obligated person, other than in the ordinary course of business, the entry into a definitive agreement to undertake such an action or the termination of a definitive agreement relating to any such actions, other than pursuant to its terms, if material; 14. Appointment of a successor or additional trustee or the change of name of a trustee, if material; 15. Incurrence of a financial obligation of the obligated person, if material, or agreement to covenants, events of default, remedies, priority rights, or other similar terms of a financial obligation of the obligated person, any of which affect security holders, if material; and 2 "Financial obligation" is to mean a (i) debt obligation; (ii) derivative instrument entered into in connection with, or pledged as security or a source of payment for, an existing or planned debt obligation; or (iii) a guarantee of (i) or (ii). II-1 DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 96 of 629 City of Dubuque / Disclosure Policies and Procedures 16. Default, event of acceleration, termination event, modification of terms, or other similar events under the terms of a financial obligation of the obligated person, any of which reflect financial difficulties. The determination of whether a material event has occurred will be made pursuant to the Rule and SEC Release No. 34-83885, in conjunction with disclosure counsel. 4. The CD Compliance Officer shall have primary responsibility for ensuring that statements or releases of information relating to the Issuer's finances to the public that are reasonably expected to reach investors and the financial markets, including website updates, press releases and market notices, are accurate and not misleading in any material respect. The CD Compliance Officer shall work together to ensure that all public statements and information released by the Issuer are accurate and not misleading in all material respects. 5. The CD Compliance Officer shall be responsible for compiling and maintaining a list of all outstanding bond issues subject to continuing disclosure, noting the applicable filing dates (see attached table format, Part I, for an example to be used by staff in tracking this information (the "Disclosure Table")). 6. The CD Compliance Officer shall be responsible for assembling and maintaining copies of the final CDC and final Official Statements for each applicable bond issue, together with any third -party Dissemination Agent Agreements, if applicable. 7. The CD Compliance Officer shall document and track the required information to be filed, including dates such information is filed (see attached Disclosure Table, Part II for a form of table to be used by staff). 8. The CD Compliance Officer shall be responsible for registering for continuing disclosure filing email reminders from the "EMMA" website, or for ensuring the Issuer's dissemination agent will remind the Issuer of applicable deadlines (http://emma.msrb.org). 9. At least 60 days prior to the earliest filing deadline listed on the Disclosure Table, the CD Compliance Officer shall begin the process of compiling necessary information required by the CDCs (and coordinate with outside professionals hired to compile this information, if applicable). 10. At least 30 days prior to each filing deadline, the CD Compliance Officer shall determine whether all necessary items have been compiled for filing pursuant to the CDC requirements, (including review with disclosure counsel or the Issuer's dissemination agent). 11. Prior to each filing deadline, the CD Compliance Officer shall file (or cause any Dissemination Agent to file) the necessary items on the EMMA website in a word -searchable PDF configured to be saved, printed, and retransmitted by electronic means. After filing, the CD Compliance Officer shall confirm that all items have, in fact, been filed on EMMA as required, and shall note the filing date on the Disclosure Table. 12. The CD Compliance Officer shall be responsible for coordinating and filing any voluntary information with EMMA, after consultation with the Issuer's legal and financial professionals. 13. The CD Compliance Officer may contact the Issuer's disclosure counsel with any disclosure - related questions or concerns. II-2 DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 97 of 629 City of Dubuque / Disclosure Policies and Procedures Form of Disclosure Tables Part I — Master Tracking Table (list of deadlines for all bond issues subject to continuing disclosure) [Note this is only a form; Issuer staff will update and maintain the Tables separate from this Policy; the current Table can be obtained from the CD Compliance Officer] Name of Bond Issue Date of Issue Final Maturity Dissemination CUSIP for Final Deadline for Date Agent Maturity Annual Report $23,025,000 Urban 10/16/2007 06/01/2037 Independent 263844 BF8 only required to Renewal Tax Increment Public Advisors, file for Material Revenue Bonds LLC Events (Taxable), Series 2007 $7,190,000 Sales Tax 06/16/2014 06/01/2029 Independent 264037 AG7 Not later than Revenue Bonds Public Advisors, 210 days after (Unlimited Property LLC end of fiscal year Tax Supported), Second Lien Series 2014 $20,800,000 Sales Tax 06/15/2015 06/01/2031 Independent 264037 AR3 Not later than Increment Revenue Public Advisors, 210 days after Bonds (Annual LLC end of fiscal year Appropriation Property Tax Supported), Senior Bond Series 2015A $2,830,000 General 04/04/2016 06/01/2035 Independent 263868 AU5 Not later than Obligation Bonds, Public Advisors, 210 days after Series 2016A LLC end of fiscal year $10,920,000 General 04/04/2016 06/01/2028 Independent 263868 BH3 Not later than Obligation Refunding Public Advisors, 210 days after Bonds, Series 2016B LLC end of fiscal year $4,145,000 General 04/04/2016 06/01/2035 Independent 263868 CC3 Not later than Obligation Bonds, Public Advisors, 210 days after Series 2016C LLC end of fiscal year $8,495,000 General 04/17/2017 06/01/2030 Independent 263868 CRO Not later than Obligation Bonds, Public Advisors, 210 days after Series 2017A LLC end of fiscal year $9,745,000 General 04/17/2017 06/01/2030 Independent 263868 DE8 Not later than Obligation Urban Public Advisors, 210 days after Renewal Refunding LLC end of fiscal year Bonds, Series 2017B $2,120,000 Taxable 04/17/2017 06/01/2030 Independent 263868 DT5 Not later than General Obligation Public Advisors, 210 days after Urban Renewal LLC end of fiscal year Refunding Bonds, Series 2017C $4,950,000 General 04/25/2018 06/01/2031 Independent 263868 EG2 Not later than Obligation Bonds, Public Advisors, 210 days after Series 2018A LLC end of fiscal year $1,005,000 Taxable 04/25/2018 06/01/2026 Independent 263868 ER8 Not later than General Obligation Public Advisors, 210 days after Refunding Bonds, LLC end of fiscal year Series 2018B $2,240,000 General 06/20/2019 06/01 /2039 Independent 263868 FK2 Not later than Obligation Bonds, Public Advisors, 210 days after Series 2019A LLC end of fiscal year DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 98 of 629 City of Dubuque / Disclosure Policies and Procedures Name of Bond Issue Date of Issue Final Maturity Dissemination CUSIP for Final Deadline for Date Agent Maturity Annual Report $860,000 Taxable 06/20/2019 06/01/2027 Independent 263868 FT3 Not later than General Obligation Public Advisors, 210 days after Bonds, Series 2019B LLC end of fiscal year $4,240,000 General 07/03/2019 06/01/2032 Independent 263868 GGO Not later than Obligation Refunding Public Advisors, 210 days after Bonds, Series 2019C LLC end of fiscal year $27,995,000 General 06/02/2021 06/01/2041 Independent 263868 HC8 Not later than Obligation Bonds, Public Advisors, 210 days after Series 2021A LLC end of fiscal year $12,535,000 Taxable 06/02/2021 06/01/2036 Independent 263868 HT1 Not later than General Obligation Public Advisors, 210 days after Bonds, Series 2021B LLC end of fiscal year $3,505,000 Water 08/18/2021 06/01/2030 Independent 264057 DK3 Not later than Revenue Refunding Public Advisors, 365 days after Bonds, Series 2021C LLC end of fiscal year $2,345,000 General 06/29/2022 06/01/2042 Independent 263868 KF7 Not later than Obligation Bonds, Public Advisors, 210 days after Series 2022A LLC end of fiscal year $7,220,000 Taxable 06/29/2022 06/01/2042 Independent 263868 JL6 Not later than General Obligation Public Advisors, 210 days after Bonds, Series 2022B LLC end of fiscal year $6,090,000 Taxable 08/01/2023 06/01/2043 Independent 263868 LA7 No later than General Obligation Public Advisors, June 30 after end Corporate Purpose LLC of fiscal year Bonds, Series 2023A $6,420,000 General 03/04/2025 06/01/2044 Independent 263868 LV1 No later than Obligation Corporate Public Advisors, June 30 after end Purpose Bonds, Series LLC of fiscal year 2025A $8,370,000 Taxable 03/04/2025 06/01/2044 Independent 263868 MQ1 No later than General Obligation Public Advisors, June 30 after end Corporate Purpose LLC of fiscal year Bonds, Series 2025B $8,945,000 Taxable 03/04/2025 06/01/2044 Independent 263868 NG2 No later than General Obligation Public Advisors, June 30 after end Urban Renewal Bonds, LLC of fiscal year Series 2025C DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 99 of 629 City of Dubuque / Disclosure Policies and Procedures Part 11— Separate Table for Each Bond Issue Subject to Continuing Disclosure (tracks details of filings for each issue) [Note this is only a form; Issuer staff will update and maintain the Tables separate from this Policy; the current Table can be obtained from the CD Compliance Officer] $7,190,000 Sales Tax Revenue Bonds (Unlimited Property Tax Supported), Second Lien Series 2014 Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data US Census Data AF AF AF 01/25/2024 01/24/2025 Unemployment Rates(City only) AF AF AF 01/25/2024 01/24/2025 Trend of Valuations AF AF AF 01/25/2024 01/24/2025 Tax Rates AF AF AF 01/25/2024 01/24/2025 Levies and Tax Collections AF AF AF 01/25/2024 01/24/2025 Larger Taxpayers AF I AF AF 1 01/25/2024 1 01/24/2025 Direct Debt AF AF AF 01/25/2024 01/24/2025 Other Debt AF AF AF 01/25/2024 01/24/2025 Indirect Debt AF AF AF 01/25/2024 01/24/2025 $20,800,000 Sales Tax Increment Revenue Bonds (Annual Appropriation Property Tax Supported), Senior Bond Series 2015A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 02crating Data US Census Data AF AF AF 01/25/2024 01/24/2025 Unemployment Rates(City only) AF AF AF 01/25/2024 01/24/2025 Trend of Valuations AF AF AF 01/25/2024 01/24/2025 Tax Rates AF AF AF 01/25/2024 01/24/2025 Levies and Tax Collections AF AF AF 01/25/2024 01/24/2025 Larger Taxpayers AF AF AF 01/25/2024 01/24/2025 Direct Debt AF AF AF 01/25/2024 01/24/2025 Other Debt AF AF AF 1 01/25/2024 1 01/24/2025 Indirect Debt AF AF AF 1 01/25/2024 1 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 100 of 629 City of Dubuque / Disclosure Policies and Procedures $2,830,000 General Obligation Bonds, Series 2016A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2015 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $10,920,000 General Obligation Refunding Bonds, Series 2016B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/l/2015 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $4,145,000 General Obligation Bonds, Series 2016C Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/l/2015 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 101 of 629 City of Dubuque / Disclosure Policies and Procedures $8,495,000 General Obligation Bonds, Series 2017A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2016 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $9,745,000 General Obligation Urban Renewal Refunding Bonds, Series 2017B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2016 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $2,120,000 Taxable General Obligation Urban Renewal Refunding Bonds, Series 2017C Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2016 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 102 of 629 City of Dubuque / Disclosure Policies and Procedures $4,950,000 General Obligation Bonds, Series 2018A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2017 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $1,005,000 Taxable General Obligation Refunding Bonds, Series 2018B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2017 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $2,240,000 General Obligation Bonds, Series 2019A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2018 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 103 of 629 City of Dubuque / Disclosure Policies and Procedures $860,000 Taxable General Obligation Bonds, Series 2019B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2018 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $4,240,000 General Obligation Refunding Bonds, Series 2019C Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Audited Financials 01/26/2021 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A N/A 1/1/2018 Valuations AF AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF AF OF 01/25/2024 01/24/2025 Trend of Valuations AF AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF AF OF 01/25/2024 01/24/2025 Debt Limit AF AF OF 01/25/2024 01/24/2025 Direct Debt AF AF OF 01/25/2024 01/24/2025 Other Debt AF AF OF 01/25/2024 01/24/2025 Indirect Debt AF AF OF 01/25/2024 01/24/2025 Tax Rates AF AF OF 01/25/2024 01/24/2025 Levies and Collections AF AF OF 01/25/2024 01/24/2025 $27,995,000 General Obligation Bonds, Series 2021A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2021 FY2022 FY2023 FY2024 FY2025 FY2026 Audited Financials 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Ogerating Data Iowa Property Valuations N/A N/A N/A N/A 1/1/2020 Valuations AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF OF 01/25/2024 01/24/2025 Trend of Valuations AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF OF 01/25/2024 01/24/2025 Debt Limit AF OF 01/25/2024 01/24/2025 Direct Debt AF OF 01/25/2024 01/24/2025 Other Debt AF OF 01/25/2024 01/24/2025 Indirect Debt AF OF 01/25/2024 01/24/2025 Tax Rates AF OF 01/25/2024 01/24/2025 Annual Fiscal Year Debt Service Payments AF OF 1 01/25/2024 1 01/24/2025 Levies and Collections AF OF 1 01/25/2024 1 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 104 of 629 City of Dubuque / Disclosure Policies and Procedures $12,535,000 Taxable General Obligation Bonds, Series 2021B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2021 FY2022 FY2023 FY2024 FY2025 FY2026 Audited Financials 01/26/2022 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data Iowa Property Valuations N/A N/A N/A N/A l/l/2020 Valuations AF OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property AF OF 01/25/2024 01/24/2025 Trend of Valuations AF OF 01/25/2024 01/24/2025 Larger Taxpayers AF OF 01/25/2024 01/24/2025 Debt Limit AF OF 01/25/2024 01/24/2025 Direct Debt AF OF 01/25/2024 01/24/2025 Other Debt AF OF 01/25/2024 01/24/2025 Indirect Debt AF OF 01/25/2024 01/24/2025 Tax Rates AF OF 01/25/2024 01/24/2025 Annual Fiscal Year Debt Service Payments AF OF 1 01/25/2024 1 01/24/2025 Levies and Collections AF OF 1 01/25/2024 1 01/24/2025 $3,505,000 Water Revenue Refunding Bonds, Series 2021C Reporting Periods [inset date info was filed on EMMA Description of Financial Information / Operating Data to file on EMMA FY2021 FY2022 FY2023 FY2024 FY2025 FY2026 Audited Financials 06/29/2022 06/28/2023 10/11/2024 Unaudited financials, if audit not available by deadline 06/26/2024 Operating Data Rates and Charges 06/29/2022 06/28/2023 06/26/2024 Number of Water Customers 06/29/2022 06/28/2023 06/26/2024 Larger Water Customers 06/29/2022 06/28/2023 06/26/2024 Water Sales 06/29/2022 06/28/2023 06/26/2024 Water Revenue Debt 06/29/2022 06/28/2023 06/26/2024 $2,345,000 General Obligation Bonds, Series 2022A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2022 FY2023 FY2024 FY2025 FY2026 FY2027 Audited Financials 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 Operating Data Iowa Property Valuations N/A N/A N/A l/l/2021 Valuations OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property OF 01/25/2024 01/24/2025 Trend of Valuations OF 01/25/2024 01/24/2025 Larger Taxpayers OF 01/25/2024 01/24/2025 Debt Limit OF 01/25/2024 01/24/2025 Direct Debt OF 01/25/2024 01/24/2025 Other Debt OF 01/25/2024 01/24/2025 Indirect Debt OF 01/25/2024 01/24/2025 Tax Rates OF 01/25/2024 01/24/2025 Annual Fiscal Year Debt Service Payments OF 1 01/25/2024 01/24/2025 Levies and Collections OF 1 01/25/2024 1 61/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 105 of 629 City of Dubuque / Disclosure Policies and Procedures $7,220,000 Taxable General Obligation Bonds, Series 2022B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2022 FY2023 FY2024 FY2025 FY2026 FY2027 Audited Financials 06/12/2023 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2023 01/25/2024 01/24/2025 O eratin Data Iowa Property Valuations N/A N/A N/A 1/1/2021 Valuations OF 01/25/2024 01/24/2025 Gross Taxable Valuation by Class of Property OF 01/25/2024 01/24/2025 Trend of Valuations OF 01/25/2024 01/24/2025 Larger Taxpayers OF 01/25/2024 01/24/2025 Debt Limit OF 01/25/2024 01/24/2025 Direct Debt OF 01/25/2024 01/24/2025 Other Debt OF 01/25/2024 01/24/2025 Indirect Debt OF 01/25/2024 01/24/2025 Tax Rates OF 01/25/2024 01/24/2025 Annual Fiscal Year Debt Service Payments OF 1 01/25/2024 1 01/24/2025 Levies and Collections OF 1 01/25/2024 1 01/24/2025 $6,090,000 Taxable General Obligation Corporate Purpose Bonds, Series 2023A Reporting Periods inset date info was filed on EMMA Description of Financial Information / Operating Data to file on EMMA FY2023 FY2024 FY2025 FY2026 FY2027 FY2028 Audited Financials 10/11/2024 Unaudited financials, if audit not available by deadline 01/25/2024 01/24/2025 Ogerating Data PROPERTY VALUES Trend of Valuations 01/25/2024 01/24/2025 Larger Taxpayers 01/25/2024 01/24/2025 INDEBTEDNESS Debt Limit 01/25/2024 01/24/2025 Direct Debt 01/25/2024 01/24/2025 First Lien General Obligation Debt 01/25/2024 01/24/2025 Second Lien Sales Tax Increment General Obligation Debt 01/25/2024 01/24/2025 Total General Obligation Debt Subject to Debt Limit 01/25/2024 01/24/2025 Annual Fiscal Year Debt Service Payments 01/25/2024 01/24/2025 First Lien General Obligation Debt 01/25/2024 01/24/2025 Second Lien General Obligation Debt 01/25/2024 01/24/2025 Urban Renewal Revenue Debt 01/25/2024 01/24/2025 Other Debt 01/25/2024 01/24/2025 Water Revenue Debt 01/25/2024 01/24/2025 Sewer Revenue Debt 01/25/2024 01/24/2025 Stormwater Revenue Debt 01/25/2024 01/24/2025 Other Obligations 01/25/2024 01/24/2025 Debt Ratios 01/25/2024 01/24/2025 Direct General Obligation Debt 01/25/2024 01/24/2025 Levies and Collections 01/25/2024 01/24/2025 Tax Rates 01/25/2024 01/24/2025 City ofDubuque 01/25/2024 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 106 of 629 City of Dubuque / Disclosure Policies and Procedures $6,420,000 General Obligation Corporate Purpose Bonds, Series 2025A Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2024 FY2025 FY2026 FY2027 FY2028 FY2029 Audited Financials Unaudited financials, if audit not available by deadline 01/24/2025 O eratin Data PROPERTY VALUES Trend of Valuations 01/24/2025 Larger Taxpayers 01/24/2025 INDEBTEDNESS Debt Limit 01/24/2025 Direct Debt 01/24/2025 First Lien General Obligation Debt 01/24/2025 Second Lien Sales Tax Increment General Obligation Debt 01/24/2025 Total General Obligation Debt Subject to Debt Limit 01/24/2025 Annual Fiscal Year Debt Service Payments 01/24/2025 First Lien General Obligation Debt 01/24/2025 Second Lien General Obligation Debt 01/24/2025 Urban Renewal Revenue Debt 01/24/2025 Other Debt 01/24/2025 Water Revenue Debt 01/24/2025 Sewer Revenue Debt 01/24/2025 Stormwater Revenue Debt 01/24/2025 Other Obligations 01/24/2025 Debt Ratios 01/24/2025 Direct General Obligation Debt 01/24/2025 Levies and Collections 01/24/2025 Tax Rates 01/24/2025 City ofDubuque 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 107 of 629 City of Dubuque / Disclosure Policies and Procedures $8,370,000 Taxable General Obligation Corporate Purpose Bonds, Series 2025B Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2024 FY2025 FY2026 FY2027 FY2028 FY2029 Audited Financials Unaudited financials, if audit not available by deadline 01/24/2025 O eratin Data PROPERTY VALUES Trend of Valuations 01/24/2025 Larger Taxpayers 01/24/2025 INDEBTEDNESS Debt Limit 01/24/2025 Direct Debt 01/24/2025 First Lien General Obligation Debt 01/24/2025 Second Lien Sales Tax Increment General Obligation Debt 01/24/2025 Total General Obligation Debt Subject to Debt Limit 01/24/2025 Annual Fiscal Year Debt Service Payments 01/24/2025 First Lien General Obligation Debt 01/24/2025 Second Lien General Obligation Debt 01/24/2025 Urban Renewal Revenue Debt 01/24/2025 Other Debt 01/24/2025 Water Revenue Debt 01/24/2025 Sewer Revenue Debt 01/24/2025 Stormwater Revenue Debt 01/24/2025 Other Obligations 01/24/2025 Debt Ratios 01/24/2025 Direct General Obligation Debt 01/24/2025 Levies and Collections 01/24/2025 Tax Rates 01/24/2025 City ofDubuque 01/24/2025 (Tables continue on the following page) DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 108 of 629 City of Dubuque / Disclosure Policies and Procedures $8,945,000 Taxable General Obligation Urban Renewal Bonds, Series 2025C Reporting Periods [inset date info was filed on EMMA] Description of Financial Information / Operating Data to file on EMMA FY2024 FY2025 FY2026 FY2027 FY2028 FY2029 Audited Financials Unaudited financials, if audit not available by deadline 01/24/2025 O eratin Data PROPERTY VALUES Trend of Valuations 01/24/2025 Larger Taxpayers 01/24/2025 INDEBTEDNESS Debt Limit 01/24/2025 Direct Debt 01/24/2025 First Lien General Obligation Debt 01/24/2025 Second Lien Sales Tax Increment General Obligation Debt 01/24/2025 Total General Obligation Debt Subject to Debt Limit 01/24/2025 Annual Fiscal Year Debt Service Payments 01/24/2025 First Lien General Obligation Debt 01/24/2025 Second Lien General Obligation Debt 01/24/2025 Urban Renewal Revenue Debt 01/24/2025 Other Debt 01/24/2025 Water Revenue Debt 01/24/2025 Sewer Revenue Debt 01/24/2025 Stormwater Revenue Debt 01/24/2025 Other Obligations 01/24/2025 Debt Ratios 01/24/2025 Direct General Obligation Debt 01/24/2025 Levies and Collections 01/24/2025 Tax Rates 01/24/2025 City ofDubuque 01/24/2025 DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 109 of 629 Dubuque / Auth Disclosure Policies & Procedures MINUTES AUTHORIZING ADOPTION OF AMENDED AND RESTATED POLICIES AND PROCEDURES REGARDING MUNICIPAL SECURITIES DISCLOSURE 430411 Dubuque, Iowa March 3, 2025 The City Council of the City of Dubuque, Iowa, met on March 3, 2025, at 6',.30 o'clock P.m. at the kslor: F r j a;jl Dubuque, Iowa. 3.9c w, 6 +h 5 . The meeting was called to order by the Mayor, and the roll was called showing the following Council Members present and absent: Present: ML\Yor CAvonoxjk, 6ounu*I Mem6r.5' Fc r l� Soy1°s� -rl _k RouSShc4 SprcnNt (,A[7 o l Absent: After due consideration and discussion, Council Member Re SV1i C K introduced the following resolution and moved its adoption, seconded by Council Member F-Cxr6 e r . The Mayor put the question upon the adoption of said resolution, and the roll being called, the following Council Members voted: Ayes: Spmnl/ For6rr, CaVoxoagk, Rf9r;Cj RoV5Sj, �)c$L\) SolCS Nays: Whereupon, the Mayor declared the resolution duly adopted as hereinafter set out. At the conclusion of the meeting, and upon motion and vote, the City Council adjourned. mm, Attest: &L-)A-Ir� &J�L City Clerk -1- DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Dubuque/ Auth Disclosure Policies & Procedures RESOLUTION NO. 73-25 Resolution Authorizing Adoption of Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure WHEREAS, pursuant to the laws of the State of Iowa, the City of Dubuque, Iowa (the "City") has publicly offered, and likely will issue and publicly offer in the future, its notes, bonds or other obligations (the "Bonds"); and WHEREAS, in January of 2015, the City adopted certain Policies and Procedures Regarding Municipal Securities Disclosure (the "Original Disclosure Policy") to be followed in connection with the issuance and on -going administration of publicly offered Bonds; and WHEREAS, as a result of certain changes in federal law, the City deems it necessary and desirable to amend and restate the Original Disclosure Policy; and WHEREAS, the proposed Amended and Restated Policies and Procedures Regarding Municipal Securities Disclosure are attached hereto as Exhibit A (the "Disclosure Policies and Procedures"); NOW, THEREFORE, Be It Resolved by the City Council of the City of Dubuque, Iowa, as follows: Section 1. The Disclosure Policies and Procedures attached hereto as Exhibit A are hereby adopted and shall be dated as of the date hereof. Section 2. All resolutions or parts of resolutions in conflict herewith are hereby repealed to the extent of such conflict. Passed and approved March 3, 2025. Mayor Attest: ad �- � A 4, *A,. City Clerk -2- DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Dubuque / Auth Disclosure Policies & Procedures ATTESTATION CERTIFICATE: STATE OF IOWA COUNTY OF DUBUQUE SS: CITY OF DUBUQUE I, the undersigned, City Clerk of the City of Dubuque, Iowa, do hereby certify that attached hereto is a true and correct copy of the proceedings of the City Council relating to the City's adoption of the Policies and Procedures Regarding Municipal Securities Disclosure. WITNESS MY HAND this 11 day of Tlorc k , 2025. A�/ ),.�tix-"r1.e. L4UL City Clerk -3- DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Dubuque / Auth Disclosure Policies & Procedures Exhibit A AMENDED AND RESTATED POLICIES AND PROCEDURES RE: MUNICIPAL SECURITIES DISCLOSURE [see attached] A-1 DORSEY & WHITNEY LLP, ATTORNEYS, DES MOINES, IOWA Page 113 of 629 A __i. ' ewr _ i tip n ■e n u ■� r u u u �o ■ n� Overview of Municipal Securities Disclosure Governmental issuers ("Issuers") of municipal bonds are subject to several important legal provisions under federal securities laws. This overview serves as a starting point for understanding the federal securities law framework surrounding issuance of municipal bonds. In recent years, the U.S. Securities and Exchange Commission ("SEC") has expanded its regulation of the municipal securities market, bringing civil and criminal enforcement actions against issuers, elected officials, and employees for violations of the anti -fraud or continuing disclosure provisions described below. This overview should be reviewed in connection with the Issuer's policies and procedures (the "Disclosure Policy"), which relate to (1) the disclosure document (often referred to as the "official statement" or "OS") for publicly -offered bond transactions and (2) ongoing continuing disclosure associated with outstanding bond issues (also known as "continuing disclosure"). Overview of Legal Duties Under Federal Securities Law Issuers of municipal securities are regulated by the Securities Act of 1933 and the Securities Exchange Act of 1934 and various rules promulgated under those acts by the U.S. Securities and Exchange Commission ("SEC"). Of particular importance are Rule 10b-5 (which prohibits fraud) and Rule 15c2-12 (which generates an issuer's ongoing disclosure obligations). Taken together, these rules impose primary disclosure duties (i.e. accuracy and forthrightness in the preparation of an official statement for new bond issues) and secondary disclosure duties (i.e. timely filing financial and other data under a continuing disclosure certificate ("CDC") for outstanding bond issues). How Do the Anti -Fraud Provisions of SEC Rule 10b-5 Affect Issuers? Various provisions of federal securities law including SEC Rule 10b-5 prohibit fraud in the issuance, purchase, or sale of municipal securities. These provisions generally prohibit "material" misstatements or omissions to investors, potential investors, or the general public. Violation of these provisions can result in civil or criminal liability. Who Is Responsible for the Content of an OS? When bonds are issued and publicly offered, an official statement will be prepared on behalf of the Issuer. The official statement is the disclosure document that sets forth the terms associated with the bond issue and is used to market and sell the Issuer's bonds. Issuers (including elected officials and staff) are primarily responsible for the accuracy of an official statement. Hiring a professional to assist with the preparation of an OS does not discharge an Issuer's responsibility. The elected officials and relevant employees of an issuer have an affirmative obligation to ensure the accuracy of the contents of the financial and other information in an OS— delivery of an OS without first reading it to gauge its accuracy may be reckless and the basis for an SEC enforcement action. What Ongoing Requirements Are Imposed by SEC Rule 15c2-12? SEC Rule 15c2-12 ensures that Issuers contractually agree to provide certain financial and operating information to investors and the public on an ongoing basis. The type of information that must be reported is generally (i) annual financial reports and (ii) material event notices. OORSEYr"' www.dorsey.com always ahead This handout is not legal advice, but contains general information not applicable to specific matters. We are not acting as your legal counsel unless separately retained in a written agreemenRaA&%1J 9sof 629 What Are the Annual Filing Requirements? Issuers must file updated financial information and operating data on an annual or other regular basis, as specified in their CDC. Generally, the information that must be reported includes audited financial statements, annual financial or operating data, of the type included in the OS for the related bonds. What Material Event Notices Must Be Filed and When? Issuers must notify investors (via a specific filing on the "EMMA" website, at https:gemma.msrb.org/) within 10 business days if certain events occur while a bond is outstanding. Generally, those events are items that impact an Issuer's ability to pay or timely pay amounts owed on outstanding debt, rating changes, defaults, and the incurrence of material financial obligations (debt obligations of the Issuer). At present, there are 16 events that can trigger reporting obligations. The Issuer's Disclosure Policy will detail the events and the procedures intended to enable timely identification and disclosure. What Is Addressed by the Disclosure Policy? The Disclosure Policy is designed to assist Issuers with fulfilling both primary and secondary disclosure responsibilities. It sets forth procedures that govern preparation of official statements for new bond offerings (see Appendix I of the policy), compliance with continuing disclosure requirements under a CDC (see Appendix 11 of the policy), and systematic training of key staff members and elected officials. Where Can I Find Additional Information? As always, you and your staff can contact us with any questions about your responsibilities under federal securities law, to address specific items, and for annual training seminars (Dorsey & Whitney LLP provides an annual securities law training for issuers during the first quarter of each year, to satisfy one of the requirements of the Disclosure Policy). Contacts John P. Danos (515) 699-3275 danos.john@dorsey.com Cristina Kuhn (515) 699-3272 kuhn.cristina@dorsey.com www.dorsey.com David D. Grossklaus (515) 699-3287 grossklaus.david@dorsey.com .i James H. Smith (515) 699-3276 smith.james@dorsey.com OORSEYr"' always ahead This handout is not legal advice, but contains general information not applicable to specific matters. We are not acting as your legal counsel unless separately retained in a written agreemenRaA&%1j 5sof 629