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EXHIBIT A <br /> <br /> UNITED STATES OF AMERICA <br /> COMMONWEALTH OF VIRGINIA <br /> CITY OF PORTSMOUTH <br />GENERAL OBLIGATION PUBLIC IMPROVEMENT BOND ANTICIPATION NOTE <br /> <br />REGISTERED REGISTERED <br /> <br />No. R-1 $7,000,000 <br /> <br /> INTEREST MATURITY DATE OF <br /> RATE DATE NOTE <br /> <br /> 4.72 % JANUARY 15, 1996 <br /> <br />REGISTERED OWNER: <br /> <br />PRINCIPAL SUM: SEVEN MILLION DOLLARS <br /> <br /> The City of Portsmouth, a municipal corporation of <br />the Commonwealth of Virginia (the "City"), for value received, <br />acknowledges itself indebted and hereby promises to pay to the <br />Registered Owner (named above), or registered assigns, on the <br />Maturity Date (specified above) unless this Note shall have <br />been duly called for previous redemption and payment of the <br />redemption price duly made or provided for, the Principal Sum <br />(specified above) and to pay interest on such Principal Sum <br />payable at maturity, at the Interest Rate (specified above) per <br />annum, such interest to be calculated on the basis of a 365-day <br />year and the actual days between the date hereof and the stated <br />maturity hereof. <br /> <br /> The principal of and interest on this Note are <br />payable on presentation and surrender hereof at the office of <br />the Director of Finance of the City of Portsmouth, Virginia, as <br />Registrar, in the City of Portsmouth, Virginia. The principal <br />of and interest on this Note are payable in such coin or <br />currency of the United States of America as at the respective <br />dates of payment is legal tender for public and private debts. <br /> <br /> This Note is one of an issue of Notes aggregating <br />Seven Million Dollars ($7,000,000) in principal amount and <br />issued for the purpose of providing funds to pay the cost <br />of various public improvement projects of and for the City, <br /> <br /> <br />