NEW ISSUE BOOK-ENTRY ONLY

Standard & Poor’s Rating: “AA-” See “BOND RATING” herein.

In the opinion of Gilmore & Bell, P.C., Bond Counsel, under existing law and assuming continued compliance with certain requirements of the Internal Revenue Code of 1986, as amended (the “Code”), the interest on the Bonds (including any original issue discount properly allocable to an owner thereof) is excludable from gross income for federal and Missouri income tax purposes except as described herein, and is not an item of tax preference for purposes of the federal alternative minimum tax imposed on individuals and corporations. The Bonds are “qualified tax-exempt obligations” within the meaning of Section 265(b)(3) of the Code. See “TAX MATTERS” herein.

RIVERVIEW FIRE PROTECTION DISTRICT OF ST. LOUIS COUNTY, MISSOURI $3,000,000 GENERAL OBLIGATION BONDS SERIES 2010 Dated: Date of Issuance

Due: March 1, as shown on the inside cover

The General Obligation Bonds, Series 2010 (the “Bonds”) will be issued as fully-registered bonds in the denomination of $5,000 or any integral multiple thereof and will be registered in the name of Cede & Co., as nominee of The Depository Trust Company, New York, New York. Individual purchases of interests in the Bonds will be made in book-entry form only. See the caption “THE BONDS – Book-Entry Only System.” Principal on the Bonds will be payable annually on March 1, as shown on the inside cover. Interest on the Bonds will be payable semi-annually on March 1 and September 1, beginning on September 1, 2011. So long as DTC or its nominee, Cede & Co., is the Bondowner, such payments will be made by UMB Bank, N.A., St. Louis, Missouri, as paying agent and bond registrar, directly to such Bondowner. The Bonds are subject to redemption prior to maturity. Provisions” herein.

See

the caption “THE BONDS – Redemption

THE BONDS AND INTEREST THEREON WILL CONSTITUTE GENERAL OBLIGATIONS OF THE DISTRICT, PAYABLE FROM AD VALOREM TAXES WHICH MAY BE LEVIED WITHOUT LIMITATION AS TO RATE OR AMOUNT UPON ALL OF THE TAXABLE TANGIBLE PROPERTY, REAL AND PERSONAL, WITHIN THE TERRITORIAL LIMITS OF THE DISTRICT. See the caption “SECURITY FOR THE BONDS.” The Bonds are offered when, as and if issued by the District, subject to the approval of legality by Gilmore & Bell, P.C., St. Louis, Missouri, Bond Counsel. Certain legal matters related to this Official Statement will be passed upon by Gilmore & Bell, P.C., St. Louis, Missouri. It is expected that the Bonds will be available for delivery through the facilities of The Depository Trust Company in New York, New York, on or about September 28, 2010.

The date of this Official Statement is September 15, 2010.

$3,000,000 RIVERVIEW FIRE PROTECTION DISTRICT OF ST. LOUIS COUNTY, MISSOURI GENERAL OBLIGATION BONDS SERIES 2010

MATURITY SCHEDULE SERIAL BONDS Base CUSIP: 769402 Maturity (March 1)

Principal Amount

Interest Rate

Price

CUSIP

2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

$165,000 170,000 175,000 180,000 185,000 195,000 205,000 215,000 225,000 235,000 250,000 255,000 265,000 280,000

2.000% 2.000 2.000 2.125 2.375 3.000 3.000 4.000 3.375 3.000 3.000 3.100 3.125 3.250

101.625% 102.389 102.506 102.449 102.958 105.382 104.403 110.529 104.287 100.741 99.519 99.487 99.185 99.428

AW 8 AX 6 AY 4 AZ 1 BA 5 BB 3 BC 1 BD 9 BE 7 BF 4 BG 2 BJ 6 BK 3 BH 0

RIVERVIEW FIRE PROTECTION DISTRICT OF ST. LOUIS COUNTY, MISSOURI 9933 Diamond Dr. St. Louis, Missouri 63137 Phone (314) 867-3889

BOARD OF DIRECTORS Norvel H. Paro, Chairman & Director Patrick Russell, Secretary & Director Garlyn P. Lawless, Treasurer & Director

DISTRICT ADMINISTRATION Joe Bommarito, Fire Chief

DISTRICT’S COUNSEL Frank J. Vatterott, Esq. Vatterott, Shaffar & Dolan, P.C. St. Louis, Missouri

CERTIFIED PUBLIC ACCOUNTANT Donald L. Blair, CPA St. Peters, Missouri

BOND COUNSEL Gilmore & Bell, P.C. St. Louis, Missouri

UNDERWRITER Piper Jaffray & Co. St. Louis, Missouri

REGARDING USE OF THIS OFFICIAL STATEMENT ____________________________ THE BONDS HAVE NOT BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER ANY STATE SECURITIES OR “BLUE SKY” LAWS. THE BONDS ARE OFFERED PURSUANT TO AN EXEMPTION FROM REGISTRATION WITH THE SECURITIES AND EXCHANGE COMMISSION. The information set forth herein has been obtained from the District and other sources that are deemed to be reliable, but is not guaranteed as to accuracy or completeness by, and is not to be construed as a representation by the Underwriter. No dealer, broker, salesperson or any other person has been authorized by the District or the Underwriter to give any information or make any representations, other than those contained in this Official Statement, in connection with the offering of the Bonds, and if given or made, such other information or representations must not be relied upon as having been authorized by any of the foregoing. This Official Statement does not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Bonds by any person in any state in which it is unlawful for such person to make such offer, solicitation or sale. The information herein is subject to change without notice, and neither the delivery of this Official Statement nor the sale of any of the Bonds hereunder shall under any circumstances create any implication that there has been no change in the affairs of the District or the other matters described herein since the date hereof. IN CONNECTION WITH THE OFFERING OF THE BONDS, THE UNDERWRITER MAY OVER-ALLOT OR EFFECT TRANSACTIONS WHICH STABILIZE OR MAINTAIN THE MARKET PRICE OF SUCH BONDS AT A LEVEL ABOVE THAT WHICH MIGHT OTHERWISE PREVAIL IN THE OPEN MARKET. SUCH STABILIZING, IF COMMENCED, MAY BE DISCONTINUED AT ANY TIME. ___________________________

TABLE OF CONTENTS

Page

Page INTRODUCTION ................................................. 1 General.............................................................. 1 The District ....................................................... 1 Authorization of the Bonds ............................... 1 Purpose of the Bonds ........................................ 1 Security for the Bonds....................................... 1 Continuing Disclosure....................................... 2 Descriptions; Inspection of Documents ............ 2 THE BONDS .......................................................... 2 General.............................................................. 2 Book-Entry Only System .................................. 2 Registration, Transfer and Exchange of Bonds Upon Discontinuance of Book-Entry Only System........................................................ 5 Redemption Provisions ..................................... 5 SECURITY FOR THE BONDS ........................... 5 PLAN OF FINANCING ........................................ 6 The Project ........................................................ 6 Sources and Uses of Funds ............................... 6 GENERAL AND ECONOMIC INFORMATION CONCERNING THE DISTRICT ....................................................... 6 Location and Size.............................................. 6 Government and Organization .......................... 6 Facilities and Equipment................................... 7 Dispatching ....................................................... 7 Firefighting and Emergency Medical Calls ...... 7 Other District Statistics ..................................... 8 District Rating................................................... 8 ECONOMIC AND DEMOGRAPHIC DATA OF ST. LOUIS COUNTY .............................. 8 DEBT STRUCTURE OF THE DISTRICT......... 9 Overview........................................................... 9 General Obligation Indebtedness ...................... 9 Overlapping and Underlying Indebtedness ....... 9 Debt Service Requirements............................. 10 Legal Debt Capacity........................................ 10 Other Obligations of the District..................... 10 History of Debt Payment................................. 10 Future Debt ..................................................... 10

FINANCIAL INFORMATION CONCERNING THE DISTRICT ............................................11 Accounting, Budgeting and Auditing Procedures ................................................11 Fund Balances Summary .................................11 Sources of Revenue .........................................13 Risk Management ............................................13 Employee Retirement Plan ..............................13 Employee Relations.........................................13 PROPERTY TAX INFORMATION CONCERNING THE DISTRICT................14 Property Valuations .........................................14 Property Tax Levies and Collections...............15 Tax Rates .........................................................15 History of Tax Levies ......................................16 Major Property Taxpayers ...............................18 LEGAL MATTERS .............................................18 TAX MATTERS...................................................18 Opinion of Bond Counsel ................................19 Other Tax Consequences .................................20 CONTINUING DISCLOSURE UNDERTAKING...........................................20 Annual Reports................................................20 Material Event Notices ....................................21 Electronic Municipal Market Access System (EMMA) ...................................................21 Prior Compliance.............................................21 BOND RATING ...................................................22 ABSENCE OF LITIGATION .............................22 UNDERWRITING ...............................................22 MISCELLANEOUS.............................................23 APPENDIX A – DISTRICT'S COMPREHENSIVE ANNUAL FINANCIAL REPORT FOR THE FISCAL YEAR ENDED DECEMBER 31, 2009 APPENDIX B – DESCRIPTION OF ST. LOUIS COUNTY, MISSOURI

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___________________________ THIS PAGE INTENTIONALLY LEFT BLANK ___________________________

OFFICIAL STATEMENT RIVERVIEW FIRE PROTECTION DISTRICT OF ST. LOUIS COUNTY, MISSOURI $3,000,000 GENERAL OBLIGATION BONDS SERIES 2010 INTRODUCTION The following introductory information is subject in all respects to more complete information contained elsewhere in this Official Statement. The order and placement of materials in this Official Statement, including the appendices hereto, are not to be deemed to be a determination of relevance, materiality or relative importance, and this Official Statement, including the cover page and appendices should be considered in its entirety. The offering of the Bonds to potential investors is made only by means of the entire Official Statement. General This Official Statement, including the cover page and appendices hereto, is furnished to prospective purchasers in connection with the offering and sale of $3,000,000 aggregate principal amount of General Obligation Bonds, Series 2010 (the “Bonds”) by the Riverview Fire Protection District of St. Louis County, Missouri (the “District”). The District The District is a fire protection district and political subdivision organized and existing under the laws of the State of Missouri. See the captions “GENERAL AND ECONOMIC INFORMATION CONCERNING THE DISTRICT”, “DEBT STRUCTURE OF THE DISTRICT” and “FINANCIAL INFORMATION CONCERNING THE DISTRICT” herein. Authorization of the Bonds The Bonds are being issued pursuant to and in full compliance with the Constitution and statutes of the State of Missouri and pursuant to an election duly held in the District on August 3, 2010, at which more than four-sevenths of the qualified voters of the District voted in favor of the issuance of $3,000,000 principal amount of general obligation bonds of the District. The issuance and sale of the Bonds was authorized by a resolution adopted by the Board of Directors on September 15, 2010 (the “Resolution”). Capitalized words and terms not defined in this Official Statement shall have the meanings as defined in the Resolution. Purpose of the Bonds The Bonds are being issued for the purpose of providing funds to (1) pay the costs of the Project as described under the section captioned “PLAN OF FINANCING – The Project” and (2) pay the costs of issuing the Bonds. Security for the Bonds The Bonds will be general obligations of the District and will be payable from ad valorem taxes, which may be levied without limitations as to rate or amount upon all taxable tangible property, real and personal, within the territorial limits of the District. See the caption “SECURITY FOR THE BONDS” below.

Continuing Disclosure The District has covenanted in a Continuing Disclosure Agreement to provide certain financial information and notices of material events to the Municipal Securities Rulemaking Board, all in compliance with Rule 15c2-12 promulgated by the Securities and Exchange Commission. See the caption “CONTINUING DISCLOSURE UNDERTAKING” herein. Descriptions; Inspection of Documents All references herein to the Resolution and the Continuing Disclosure Agreement are qualified in their entirety by reference to the Resolution and the Continuing Disclosure Agreement. Copies of the Resolution, the Continuing Disclosure Agreement and this Official Statement may be viewed at the office of Piper Jaffray & Co. (the “Underwriter”) at 8235 Forsyth Blvd., Suite 600, St. Louis, Missouri 63105 or will be provided to any prospective purchaser requesting the same, upon payment by such prospective purchaser of the cost of complying with such request.

THE BONDS General The Bonds shall consist of fully-registered bonds in the denomination of $5,000 or any integral multiple thereof. The Bonds will be dated the date of issuance. The Bonds will mature, subject to redemption as described below, on March 1 in the years and in the principal amounts set forth on the inside cover page of this Official Statement. Interest on the Bonds will be payable semiannually on March 1 and September 1 in each year, beginning on September 1, 2011. Payment of the interest on the Bonds will be made to the person in whose name such Bond is registered on the registration books (the “Bond Register”) at the close of business on the 15th day (whether or not a Business Day) of the calendar month next preceding an interest payment date (the “Record Date”). Interest on the Bonds will be paid to the Registered Owners thereof by check or draft mailed by UMB Bank, N.A., St. Louis, Missouri (the “Paying Agent”) to each Owner at the address shown on the Bond Register or at such other address as is furnished to the Paying Agent in writing by such Registered Owner, or by electronic transfer to such Registered Owner upon written notice signed by such Registered Owner and given to the Paying Agent not less than 15 days prior to the Record Date for such interest payment, containing the electronic transfer instructions including the name and address of the bank (which shall be in the continental United States), the ABA routing number and the account number to which such Owner wishes to have such transfer directed and an acknowledgement that an electronic transfer fee is payable. Principal on the Bonds will be paid by check or draft to the Registered Owner of such Bond at the maturity of such Bond or otherwise, upon presentation and surrender of such Bond at the designated payment office of the Paying Agent. Book-Entry Only System General. The Bonds are available in book-entry only form. Purchasers of the Bonds will not receive certificates representing their interests in the Bonds. Ownership interests in the Bonds will be available to purchasers only through a book-entry system (the “Book-Entry System”) maintained by The Depository Trust Company (“DTC”), New York, New York. The following information concerning DTC and DTC’s book-entry system has been obtained from DTC. The District takes no responsibility for the accuracy or completeness thereof and neither the

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Indirect Participants nor the Beneficial Owners should rely on the following information with respect to such matters, but should instead confirm the same with DTC or the Direct Participants, as the case may be. There can be no assurance that DTC will abide by its procedures or that such procedures will not be changed from time to time. DTC will act as securities depository for the Bonds. The Bonds will be issued as fully-registered securities registered in the name of Cede & Co. (DTC’s partnership nominee) or such other name as may be requested by an authorized representative of DTC. One fully-registered Bond will be issued for each maturity of each series of Bonds, each in the aggregate principal amount of such maturity and will be deposited with DTC. DTC and its Participants. DTC, the world’s largest securities depository, is a limited-purpose trust company organized under the New York Banking Law, a “banking organization” within the meaning of the New York Banking Law, a member of the Federal Reserve System, a “clearing corporation” within the meaning of the New York Uniform Commercial Code, and a “clearing agency” registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934. DTC holds and provides asset servicing for over 3.5 million issues of U.S. and non-U.S. equity issues, corporate and municipal debt issues, and money market instruments (from over 100 countries) that DTC’s participants (“Direct Participants”) deposit with DTC. DTC also facilitates the post-trade settlement among Direct Participants of sales and other securities transactions in deposited securities, through electronic computerized book-entry transfers and pledges between Direct Participants’ accounts. This eliminates the need for physical movement of securities certificates. Direct Participants include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing corporations, and certain other organizations. DTC is a wholly-owned subsidiary of The Depository Trust & Clearing Corporation (“DTCC”). DTCC is the holding company for DTC, National Securities Clearing Corporation and Fixed Income Clearing Corporation, all of which are registered clearing agencies. DTCC is owned by the users of its regulated subsidiaries. Access to the DTC system is also available to others such as both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, and clearing corporations that clear through or maintain a custodial relationship with a Direct Participant, either directly or indirectly (“Indirect Participants”). DTC has Standard & Poor’s highest rating: AAA. The DTC Rules applicable to its Participants are on file with the Securities and Exchange Commission. More information about DTC can be found at www.dtcc.com and www.dtc.org. Purchases of Ownership Interests. Purchases of Bonds under the DTC system must be made by or through Direct Participants, which will receive a credit for the Bonds on DTC’s records. The ownership interest of each actual purchaser of each Bond (“Beneficial Owner”) is in turn to be recorded on the Direct and Indirect Participants’ records. Beneficial Owners will not receive written confirmation from DTC of their purchase. Beneficial Owners are, however, expected to receive written confirmations providing details of the transaction, as well as periodic statements of their holdings, from the Direct or Indirect Participant through which the Beneficial Owner entered into the transaction. Transfers of ownership interests in the Bonds are to be accomplished by entries made on the books of Direct and Indirect Participants acting on behalf of Beneficial Owners. Beneficial Owners will not receive certificates representing their ownership interests in the Bonds, except in the event that use of the book-entry system for the Bonds is discontinued. Transfers. To facilitate subsequent transfers, all Bonds deposited by Direct Participants with DTC are registered in the name of DTC’s partnership nominee, Cede & Co., or such other name as may be requested by an authorized representative of DTC. The deposit of Bonds with DTC and their registration in the name of Cede & Co. or such other DTC nominee do not effect any change in beneficial ownership. DTC has no knowledge of the actual Beneficial Owners of the Bonds; DTC’s records reflect only the identity of the Direct Participants to whose accounts such Bonds are credited, which may or may not be the Beneficial Owners. The Direct and Indirect Participants will remain responsible for keeping account of their holdings on behalf of their customers.

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Notices. Conveyance of notices and other communications by DTC to Direct Participants, by Direct Participants to Indirect Participants, and by Direct Participants and Indirect Participants to Beneficial Owners will be governed by arrangements among them, subject to any statutory or regulatory requirements as may be in effect from time to time. Beneficial Owners of Bonds may wish to take certain steps to augment the transmission to them of notices of significant events with respect to the Bonds, such as redemptions, tenders, defaults, and proposed amendments to the Bond documents. For example, Beneficial Owners of Bonds may wish to ascertain that the nominee holding the Bonds for their benefit has agreed to obtain and transmit notices to Beneficial Owners. In the alternative, Beneficial Owners may wish to provide their names and addresses to the registrar and request that copies of notices be provided directly to them. Redemption notices will be sent to DTC. If less than all of the Bonds within a maturity are being redeemed, DTC’s practice is to determine by lot the amount of the interest of each Direct Participant in such maturity to be redeemed. Voting. Neither DTC nor Cede & Co. (nor any other DTC nominee) will consent or vote with respect to Bonds unless authorized by a Direct Participant in accordance with DTC’s MMI Procedures. Under its usual procedures, DTC mails an Omnibus Proxy to the District as soon as possible after the record date. The Omnibus Proxy assigns Cede & Co.’s consenting or voting rights to those Direct Participants to whose accounts Bonds are credited on the record date (identified in a listing attached to the Omnibus Proxy). Payments of Principal, Redemption Price and Interest. Payment of principal of and interest on the Bonds will be made to Cede & Co., or such other nominee as may be requested by an authorized representative of DTC. DTC’s practice is to credit Direct Participants’ accounts upon DTC’s receipt of funds and corresponding detail information from the District or the Paying Agent, on the payment date in accordance with their respective holdings shown on DTC’s records. Payments by Participants to Beneficial Owners will be governed by standing instructions and customary practices, as is the case with securities held for the accounts of customers in bearer form or registered in “street name,” and will be the responsibility of such Participant and not of DTC, the Paying Agent or the District, subject to any statutory or regulatory requirements as may be in effect from time to time. Payment of principal of and interest on the Bonds to Cede & Co. (or such other nominee as may be requested by an authorized representative of DTC) is the responsibility of the District or Paying Agent, disbursement of such payments to Direct Participants will be the responsibility of DTC, and disbursement of such payments to the Beneficial Owners will be the responsibility of Direct and Indirect Participants. Discontinuation of Book-Entry System. DTC may discontinue providing its services as securities depository with respect to the Bonds at any time by giving reasonable notice to the District or the Paying Agent. Under such circumstances, in the event that a successor depository is not obtained, Bond certificates are required to be printed and delivered. The Direct Participants holding a majority position in the Bonds may decide to discontinue use of the system of book-entry-only transfers through DTC (or a successor securities depository). In that event, Bond certificates will be printed, registered in the name of DTC’s partnership nominee, Cede & Co. (or such other name as may be requested by an authorized representative of DTC), and delivered to DTC (or a successor securities depository), to be held by it as securities depository for Direct Participants. If, however, the system of book-entry-only transfers has been discontinued and a Direct Participant has elected to withdraw its Bonds from DTC (or such successor securities depository), Bond certificates may be delivered to Beneficial Owners in the manner described herein under the caption “Registration, Transfer and Exchange of Bonds Upon Discontinuance of Book Entry Only System.”

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Registration, Transfer and Exchange of Bonds Upon Discontinuance of Book-Entry Only System The Paying Agent will keep or cause to be kept the Bond Register at its principal payment office or such other office designated by the Paying Agent. Upon surrender of any Bond at the principal payment office of the Paying Agent, the Paying Agent shall transfer or exchange Bonds as provided in the Resolution. Any Bond may be transferred upon the Bond Register by the person in whose name it is registered and shall be accompanied by a written instrument or instruments of transfer or authorization for exchange, in a form and with guarantee of signature satisfactory to the Paying Agent, duly executed by the Registered Owner thereof or by the Registered Owner’s duly authorized agent. The Owner requesting such transfer or exchange will be required to pay any additional costs or fees that might be incurred in the secondary market with respect to such exchange. In the event any Registered Owner fails to provide a correct taxpayer identification number to the Paying Agent, the Paying Agent may make a charge against such Registered Owner sufficient to pay any governmental charge required to be paid as a result of such failure. Redemption Provisions Optional Redemption of the Bonds. At the option of the District, the Bonds or portions thereof maturing on March 1, 2020 and thereafter may be called for redemption and payment prior to the Stated Maturity thereof on March 1, 2019 and thereafter, in whole or in part at any time, in such amounts for each Stated Maturity as shall be determined by the District, at the Redemption Price of 100% of the principal amount thereof, plus accrued interest thereon to the Redemption Date. Notice and Effect of Call for Redemption. Unless waived by any Registered Owner of Bonds to be redeemed, official notice of any redemption shall be given by the Paying Agent on behalf of the District by mailing a copy of an official redemption notice by first-class mail at least 30 days prior to the Redemption Date to each Registered Owner of the Bonds to be redeemed at the address shown on the Bond Register. Official notice of redemption having been given as provided in the Resolution, the Bonds or portions of Bonds to be redeemed shall become due and payable on the Redemption Date at the Redemption Price therein specified, and from and after the Redemption Date (unless the District defaults in the payment of the Redemption Price) such Bonds or portion of Bonds shall cease to bear interest. Upon surrender of such Bonds for redemption in accordance with such notice, the Redemption Price of such Bonds shall be paid by the Paying Agent. Installments of interest due on or prior to the Redemption Date shall be payable as provided in the Resolution for payment of interest. Upon surrender for any partial redemption of any Bond, there shall be prepared for the Registered Owner a new Bond or Bonds of the same Stated Maturity in the amount of the unpaid principal.

SECURITY FOR THE BONDS Pledge of Full Faith and Credit. The Bonds will constitute general obligations of the District and will be payable as to both principal and interest from ad valorem taxes, which may be levied without limitation as to rate or amount upon all the taxable tangible property, real and personal, within the territorial limits of the District. Levy and Collection of Annual Tax. Under the Resolution, the District has authorized the imposition upon all of the taxable tangible property within the District of a direct annual tax sufficient to produce the amounts necessary for the payment of the principal of and interest on the Bonds as the same become due and payable in each year. Such taxes shall be extended upon the tax rolls in each year, and shall be levied and collected at the same time and in the same manner as the other ad valorem taxes of the District are levied and collected. The proceeds derived from said taxes shall be deposited in the Debt Service Fund, shall be kept separate and apart from all other funds of the District and shall be used solely for the payment of the principal

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of and interest on the Bonds, as and when the same become due, and the fees and expenses of the Paying Agent.

PLAN OF FINANCING The Project The Project consists of (a) the demolition of the existing Fire House No. 2, (b) the construction, furnishing and equipping of an approximately 6,000 square foot building for use by the District as a new Fire House No. 2, (c) the acquisition of two new fire trucks and other necessary fire protection equipment, and (d) the maintenance and repair of existing facilities. The new firehouse will have two double-deep bays, an administrative office and a living area. The District has hired Archimages, Inc., Kirkwood, Missouri, as architect and construction manager for the new firehouse. Construction in the form of demolition of the existing structure will commence in January 2011. It is projected that the new firehouse will be complete by August 2011. The new firehouse is expected to cost approximately $1,500,000. The District will also be using Bond proceeds to purchase two new fire trucks and other necessary equipment. The new fire trucks are expected to be delivered in December 2012 and are expected to cost approximately $1,000,000. Sources and Uses of Funds The estimated sources and uses of the proceeds of the Bonds are as follows: Sources of Funds: Par Amount of Bonds Plus: Net Original Issue Premium Total

$3,000,000.00 68,282.05 $3,068,282.05

Uses of Funds: Deposit to the Project Fund Costs of Issuance (including Underwriter’s Discount) Total

$3,008,832.05 59,450.00 $3,068,282.05

GENERAL AND ECONOMIC INFORMATION CONCERNING THE DISTRICT Location and Size The District is a political subdivision of the State of Missouri and is located in northeast St. Louis County, Missouri. The District’s boundaries are Dunn Road (previously, Route 66) to the North, the City of St. Louis to the South and to the East and just past Highway 367 to the West. The District encompasses approximately 11.5 square miles and has an estimated current population of 21,000. Government and Organization The District was incorporated as a fire district in 1944 and is governed by a three-member Board of Directors. The members of the Board are elected by the qualified voters of the District for six-year staggered terms, with one member elected at each two-year interval. All Board members are elected at large and receive

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nominal compensation. The Chairman of the Board is elected by the Board from among its members for a term of one year and has no regular administrative duties. The Secretary and Treasurer are appointed by the Board and may or may not be members of the Board. The Board of Directors is responsible for the overall safety and soundness of the District, setting policy and providing the fiscal management of the District. The current members and officers of the Board of Directors are as follows: Name

Office

Norvel H. Paro Patrick Russell Garlyn P. Lawless

Chairman & Director Secretary & Director Treasurer & Director

Current Term Began

Current Term Expires

April 2005 April 2009 April 2007

April 2011 April 2015 April 2013

The Board of Directors appoints the Fire Chief, who is the chief administrative officer of the District and is responsible for implementing the policies set by the Board. The current Fire Chief is Joe Bommarito, who has worked for the District since 1980 and has been Fire Chief and Fire Marshal since 1999. Chief Bommarito is 56 years of age. As Fire Marshal, he is responsible for all Fire Code Enforcement, the investigation of fires within the District, the inspection of buildings and Hazardous Material responses, subject to the control of the Board of Directors. Facilities and Equipment The District has two fire stations and three emergency vehicles. Fire House No. 1 is located at 9933 Diamond Drive and houses one Engine Company (4910) and the administrative offices of the District. Fire House No. 2 is located at 9207 Bellefontaine Road and houses one Engine Company (4920). Engine 4910 and Engine 4920 are 2002 and 2003 General Safety Pumper Trucks. The District also has a 2002 HME Pumper (reserve vehicle), a 2004 Chevy Tahoe assigned to the Fire Chief as a staff vehicle, and a 1998 Crown Victoria. Dispatching The District has a contractual agreement with North Central County Fire Alarm (NCCFA) for dispatching services. Firefighting and Emergency Medical Calls The following table sets forth the number of calls made by the District during the past three calendar years.

Year

Emergency Medical

Fire Responses

Fire Prevention Inspections

2007 2008 2009

390 442 499

1,356 1,285 1,165

213 213 213

Source: The District.

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Other District Statistics The fire loss in the District during 2009 was $273,000 or $13 per resident (less than 0.19% of the assessed valuation in the District). By comparison, the national fire loss was $51.37 per capita in 2008. District Rating The District presently has an Insurance Services Office (“ISO”) rating of Class 4 (the ISO has a classification of 1 to 10, with “1” representing superior protection and “10” indicating the community does not meet ISO’s minimum criteria) for any area within five miles of a District fire station, regardless of whether the area has hydrants (water supply) or not..

ECONOMIC AND DEMOGRAPHIC DATA OF ST. LOUIS COUNTY The District covers approximately 11.5 square miles in northeast St. Louis County and serves approximately 21,000 residents. Set forth below is information relating to demographics of St. Louis County which is indicative of trends within the District. Appendix C contains detailed information regarding St. Louis County. For the Year Ended December 31 2005 2006 2007 2008 2009(1)

Population 999,523 996,664 993,690 992,331 992,408

Per Capita Income

Unemployment Rate

$46,968 50,845 52,576 54,343 --

Public School Enrollment

Housing Units Built

142,462 148,303 148,516 146,781 150,127

2,541 1,676 1,458 735 --

5.1% 4.7 4.9 6.0 9.0

2000 Median Age: 37.5 2000 Percent High School Graduates: 88% 2000 Percent College Graduates: 35.4% (1)

Per capita income and information regarding housing units built is not available for 2009. Source: U.S. Census Bureau, United States Department of Labor; Bureau of Labor Statistics, Missouri Department of Economic Development, U.S. Department of Commerce and Bureau of Economic Analysis and St. Louis County Department of Planning and St. Louis County’s Comprehensive Annual Financial Statements for fiscal year ending December 31, 2009.

[Remainder of Page Intentionally Left Blank]

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DEBT STRUCTURE OF THE DISTRICT Overview The following table summarizes certain financial information concerning the District. This information should be reviewed in conjunction with the information contained in this section and the excerpts of financial statements of the District in Appendix A hereto. $147,555,180 $685,121,024 $3,125,000 21,000 $148.81 2.12% 0.46% $22,698,899 $25,823,899 $1,229.71 17.50% 3.77%

2009 Assessed Valuation 2009 Estimated Actual Valuation Outstanding General Obligation Bonds (“Direct Debt”)(1) 2009 Estimated Population Per Capita Direct Debt Ratio of Direct Debt to Assessed Valuation Ratio of Direct Debt to Estimated Actual Valuation Overlapping General Obligation Debt (“Indirect Debt”) Total Direct and Indirect Debt Per Capita Direct and Indirect Debt Ratio of Direct and Indirect Debt to Assessed Valuation Ratio of Direct and Indirect Debt to Estimated Valuation ______________ (1) Includes the Bonds. General Obligation Indebtedness

On December 28, 2000 the District issued $1,000,000 General Obligation Bonds, Series 2000 (the “Series 2000 Bonds”) for the purpose of acquiring two new fire trucks and equipment. The Series 2000 Bonds are currently outstanding in the principal amount of $125,000 which is payable on March 1, 2011. Overlapping and Underlying Indebtedness The following table sets forth overlapping and underlying indebtedness of political subdivisions with boundaries overlapping the District as of August 1, 2010, and the percent attributable (on the basis of assessed valuation figures for calendar year 2009, excluding state assessed railroad and utility property) to the District. The table was compiled from information furnished by the jurisdictions responsible for the debt, and the District has not independently verified the accuracy or completeness of such information. Furthermore, political subdivisions may have ongoing programs requiring the issuance of substantial additional bonds, the amounts of which cannot be determined at this time.

Taxing Jurisdiction St. Louis County Riverview Gardens School District Hazelwood School District City of Bellefontaine Neighbors Total (1)

Outstanding General Obligation Bonds(1) $ 49,050,000 31,680,500 168,991,695 5,310,000

Percent Applicable to District 0.61% 50.69 0.61 100.00

Dollar Amount Applicable to District $

299,205 16,058,845 1,030,849 5,310,000 $22,698,899

The table excludes Neighborhood Improvement District Bonds that are a general obligation of the issuer but are expected to be paid from special assessments and for which the issuer may not levy a general property tax.

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Debt Service Requirements The following schedule shows the yearly principal and interest requirements for the Bonds: Fiscal Year Ending December 31 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Total

Principal

Interest

$0.00 165,000.00 170,000.00 175,000.00 180,000.00 185,000.00 195,000.00 205,000.00 215,000.00 225,000.00 235,000.00 250,000.00 255,000.00 265,000.00 280,000.00 $3,000,000.00

$79,965.09 84,798.76 81,448.76 77,998.76 74,336.26 70,226.88 65,105.00 59,105.00 51,730.00 43,633.13 36,311.26 29,036.26 21,333.76 13,240.63 4,550.00 $792,819.55

Total

$

79,965.09 249,798.76 251,448.76 252,998.76 254,336.26 255,226.88 260,105.00 264,105.00 266,730.00 268,633.13 271,311.26 279,036.26 276,333.76 278,240.63 284,550.00 $3,792,819.55

Legal Debt Capacity Under Article VI, Section 26(b) of the Constitution of Missouri, the District may incur indebtedness for authorized fire protection district purposes not to exceed 5% of the valuation of taxable tangible property in the District according to the last completed assessment upon the approval of four-sevenths of the qualified voters in the District voting on the proposition at any municipal, primary or general election or two-thirds voter approval on any other election date. The current legal debt limit of the District is approximately $7,377,759. The total outstanding indebtedness of the District after issuance of the Bonds will be $3,125,000, resulting in a legal debt margin for the District of approximately $4,252,759. Other Obligations of the District The District does not have any other long-term debt obligations. Large expenditures such as fire apparatus are usually purchased on a cash basis. History of Debt Payment The District has never defaulted on the payment of any of its debt obligations. Future Debt The District is not contemplating any future financings at the present time.

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FINANCIAL INFORMATION CONCERNING THE DISTRICT Accounting, Budgeting and Auditing Procedures The District uses a modified accrual basis of accounting. The modified accrual basis of accounting is one in which revenue is recognized when earned or when it otherwise becomes available during the year and expenditures are recognized when incurred except for debt service which is recognized when bonds and interest mature and become due. Transactions are recorded in the following funds: General Fund Dispatching Fund Debt Service Fund Capital Projects Fund Pension Trust Fund Fire Equipment Fund The Treasurer is responsible for handling all moneys of the District and administering the above funds. All moneys received by the District from whatever source are credited to the appropriate fund. A monthly financial statement is submitted to the Board of Directors. An annual budget of estimated receipts and disbursements for the coming fiscal year is prepared by the District’s accountant and reviewed by the Fire Chief and is presented to the Board of Directors prior to September 1 for approval after a public hearing. The District’s fiscal year is January 1 through December 31. The budget lists estimated receipts by funds and sources and estimated disbursements by funds and purposes and includes a statement of the rate of levy per hundred dollars of assessed valuation required to raise each amount shown on the budget as coming from District taxes. The audited financial statement of the District for the fiscal year ended December 31, 2009, with the report of Donald L. Blair, CPA, certified public accountant, with respect thereto, is included in this Official Statement as Appendix A. Financial statements for the earlier years with reports by the certified public accountants are available for examination in the District’s office. Fund Balances Summary The following Summary Statement of Revenues, Expenditures and Changes in Operating Fund Balances was prepared from the District’s annual audited financial statements. The table set forth below should be read in conjunction with the other financial statements and notes appertaining hereto set forth in Appendix A of this Official Statement and the financial statements on file at the District’s office.

[Remainder of Page Intentionally Left Blank]

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Summary Statement of Revenues, Expenditures and Changes in Operating Fund Balances 2008

2007 Revenues Taxes Grants and TIFF Building and other permits Investment Income Other Income Total Revenue Expenditures Public Safety: Personnel: Salaries Social Security & Medicare Employee Welfare Clothing Allowance Total Personnel: Administration: Directors’ Fee Social Security and Medicare Office Expense Dues and Subscriptions Travel Outside Services Advertising Total Administration General Overhead Gas and Oil Utilities and Trash Telephone Repairs and Maintenance Insurance and Bonds Operating Supplies Total General Overhead Professional fees Other Training and Education Election Expenses Miscellaneous Total Other Total Public Safety Capital Outlay Building Improvements Vehicles and Vehicle Equipment Equipment Total Capital Outlay Total Expenditures Revenues over Expenditures Fund Balance January 1, Fund Balance December 31 _____________ Source: Audited Financial Statements 2007-2009.

2009

$1,889,178 2,907 11,775 126,809 2,098 $2,032,767

$2,037,931 118,677 4,158 89,397 1,038 $2,251,201

$ 2,109,660 13,990 3,011 30,817 3,171 $ 2,160,649

$1,332,538 103,942 170,748 12,900 $1,620,128

$1,458,546 114,192 203,878 4,055 $1,780,671

$ 1,400,364 108,455 254,435 12,900 $ 1,776,154

$

31,000 -2,255 4,847 1,789 3,046 143 43,080

$

$

37,507 12,397 4,705 6,957 101,484 912 $ 163,962

$

30,968 13,658 5,436 8,557 102,728 9,474 $ 170,821

$

$

17,406

$

14,643

$

18,663

$

4,363 7,387 3,748 15,498

$

9,803 0 2,553 12,356

$

6,667 7,943 1,340 15,950

$ $

$

$

$

31,833 -2,923 6,506 675 4,136 607 46,680

31,483 2,408 7,909 4,773 1,534 1,050 115 49,272

$

32,602 14,030 5,688 2,894 105,596 405 $ 161,215

$

$1,860,074

$2,025,171

$2,021,254

$

0 0 1,368 $ 1,368 $1,861,442

$

1,982 14,341 43,257 $ 59,580 $2,084,751

$

$ 171,325 $3,050,422 $3,221,747

$ 166,450 $3,221,748 $3,388,198

$ 136,880 $3,388,198 $3,525,078

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0 1,487 1,028 $ 2,515 $2,023,769

Sources of Revenue The District finances its operations primarily through local property taxes and miscellaneous sources. Debt service on general obligation bonds is financed solely through local property taxes. For the 2010 fiscal year, the District’s sources of revenue are anticipated to be as follows: Source

Amount

Property Taxes $1,993,838 Investment Income (Interest) 15,000 Licenses and Permits Fees 2,500 Miscellaneous 31,000 Total Revenue $2,042,338 ____________________ Source: District’s Budget for fiscal year ending December 31, 2010.

Percent 97.63% 0.73 0.12 1.52 100.00%

Risk Management The District and 27 other emergency service districts participate in the Missouri Fire and Ambulance Districts’ Insurance Trust (“MoFAD”), a public entity risk pool for workers’ compensation. The District’s insurance coverage with MoFAD is in the amount of $2,000,000 per occurrence. The District pays an annual contribution to MoFAD for its insurance coverage. Should the contributions received not produce sufficient funds to meet obligations, MoFAD is empowered to make special assessments. Members of MoFAD are jointly and severally liable for all claims against MoFAD. Settled claims have not exceeded the District’s coverage in any of the past three fiscal years. The District is exposed to various risks of loss related to torts; theft of, damage to, and destruction of assets; errors and omissions; and natural disasters. Commercial insurance coverage is purchased for claims arising from such matters. Employee Retirement Plan The District administers and funds a Single Employer Defined Contribution Pension Plan for its firefighters. The plan is funded by a pension fund levy. Funds collected from the Pension Fund levy are held in interest-bearing demand accounts. These funds are used to purchase long-term disability insurance for the employees and to make investments as determined by the participants. The District also offers its employees a deferred compensation plan created in accordance with Internal Revenue Code 457. The plan, available to all employees, permits them to defer a portion of their salary until future years. The deferred compensation is not available to employees until termination, retirement, death or unforeseeable emergency. Participant’s rights under the plan are equal to the fair market value of the deferred account of each participant. Employee Relations The District’s staff consists of 22 firefighters and one part-time secretary. All of the firefighters, other than the Fire Chief, are members of Local 2665 of the International Association of Firefighters. The current collective bargaining agreement was entered into as of January 1, 2010 and expires on December 31, 2010. The District believes it has a good relationship with its employees. The employees of the District are not permitted by law to strike or engage in work stoppages, and the District has never been involved in any such actions. The District does not utilize volunteer firefighters.

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PROPERTY TAX INFORMATION CONCERNING THE DISTRICT Property Valuations Assessment Procedure. All taxable real and personal property within the District is assessed annually by the County Assessor. Missouri law requires that personal property be assessed at 33-1/3% of true value and that real property be assessed at the following percentages of true value: Residential real property ........................................................................................ 19% Agricultural and horticultural real property............................................................ 12% Utility, industrial, commercial, railroad and all other real property ....................... 32% On January 1 in every odd-numbered year, each County Assessor must adjust the assessed valuation of all real property located within the county in accordance with a two-year assessment and equalization maintenance plan approved by the State Tax Commission. The assessment ratio for personal property is generally 33-1/3% of true value. However, subclasses of tangible personal property are assessed at the following assessment percentages: grain and other agricultural crops in an unmanufactured condition, 0.5%; livestock, 12%; farm machinery, 12%; historic motor vehicles, 5%; and poultry, 12%. The County Assessor is responsible for preparing the tax roll each year and for submitting the tax roll to the Board of Equalization. The County Board of Equalization has the authority to adjust and equalize the values of individual properties appearing on the tax rolls. Current Assessed Valuation. The following table shows the total assessed valuation and the estimated actual valuation, by category, of all taxable tangible property situated in the District (including state assessed railroad and utility property and areas in tax increment financing districts) according to the assessment after Board of Equalization for calendar year 2009 for property owned as of January 1, 2009.

Type of Property

Total Assessed Valuation

Assessment Rate

Total Estimated Actual Valuation(1)

Real Estate: Residential Agricultural Commercial State Assessed Utility Total Real Estate

$106,161,610 2,400 13,390,850 4,066,734 $123,621,594

19% 12% 32% 32%

$558,745,316 20,000 41,846,406 12,708,544 $613,320,266

Personal Property

$ 23,118,220

33 1/3%

$ 69,354,660

33 1/3% 2,446,098 State Assessed Utility 815,366 $685,121,024 Total Real and Personal $147,555,180 ______________ (1) Assumes all personal property is assessed at 33 1/3%; because certain subclasses of tangible personal property are assessed at less than 33 1/3%, the estimated actual valuation for personal property would likely be greater than that shown above. See “Assessment Procedure” discussed above. Source: St. Louis County Department of Revenue.

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History of Property Valuations. The total assessed valuation of all taxable tangible property situated in the District according to the assessments of January 1 in each of the following years, has been as follows:

Year

Assessed Valuation

% Change

2005 2006 2007 2008 2009

$143,620,447 145,160,011 158,725,060 158,785,733 147,555,180

N/A +1.07% +9.34 +0.04 -7.07

_______________ Source: St. Louis County Department of Revenue. Property Tax Levies and Collections Not later than September 30 of each year, the Board of Directors sets the rate of tax for the District and files the tax rate with St. Louis County by October 1. Taxes are levied at the District’s tax rate per $100 of assessed valuation. The County is responsible for reviewing the rate of tax to insure that it does not exceed constitutional limits. Article X, Section 22 of the Missouri Constitution requires the District to adjust its operating levy if the equalized assessed value of property within the District, excluding the value of new construction and improvements, increases by a larger percentage than the increase in the general price level from the previous year. In such an event, the District would be reviewed to reduce its operating levy to a rate that would yield the same gross revenue, adjusted for changes in the general price level, as could have been collected at the existing operating levy applied to the prior assessed value. Taxes are levied on all taxable real and personal property owned as of January 1 in each year. Certain properties, such as those used for charitable, education and religious purposes, are excluded from ad valorem taxes for both real and personal property. Real property within the District is assessed by the County Assessor. The County Assessor is responsible for preparing the tax rolls each year and for submitting tax rolls to the County Board of Equalization. The Board of Equalization has the authority to question and determine the proper value of property and then adjust and equalize individual properties appearing on the tax rolls. After local appeal procedures have been completed, the books are finalized and sent to the County Collector who prepares and mails the tax statements. By statute, tax bills are to be mailed in October; however, the volume of assessment complaints required to be reviewed by the Board of Equalization can affect the date on which bills are actually mailed. Taxes for real and personal property are due by December 31 after which date they become delinquent and accrue a penalty of one percent per month. The St. Louis County Collector deducts a commission equal to 1.5% of the taxes collected for his services. After such collections and deductions of commission, taxes are distributed according to the taxing body’s pro-rata share. The St. Louis County Collector is required to make disbursements of collected taxes to the District each month. Because of the tax collection procedure described above, the District receives the bulk of its moneys from local property taxes in the months of December, January and February. Tax Rates Debt Service Levy. The current Debt Service levy is based on the debt service requirements of the Series 2000 Bonds. Before October 1 of this year, the District must levy an annual tax on all taxable tangible

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property therein sufficient to pay the interest and principal of the Bonds as they fall due and to retire the same within 20 years from the date of issue. The Board of Directors may set the tax rate for debt service, without limitation as to rate or amount, at the level required to make such payments. Operating Levy. The operating levy does not require annual voter approval but the Board of Directors cannot raise the rate above the approved rate in the last election. Dispatching Levy. The funds from this tax levy are kept in an account in the General Fund, used solely for the purpose of providing a joint, central fire and emergency dispatching service and paid out only on the order of the Board of Directors. Pension Levy. The funds from this tax levy are kept in an account in the Pension Fund, used solely for the purpose of providing pension benefits under trust for participating firefighters. History of Tax Levies The following tables show the District’s adjusted tax levies per property classification (per $100 of assessed valuation) for the fiscal years 2005 through 2009: Commercial Real Estate Property Tax Rates Fiscal Year

General Fund

Dispatch Fund

Pension Fund

Debt Service

Total Levy

$0.0690 0.0570 0.0740 0.0830 0.0910

$1.7796 1.7938 1.7762 1.7852 1.8482

Debt Service

Total Levy

$0.0690 0.0570 0.0740 0.0830 0.1910

$1.6145 1.5991 1.5234 1.5347 1.7984

2005 $1.4256 $0.0400 $0.2450 2006 1.4478 0.0400 0.2490 2007 1.4182 0.0400 0.2440 2008 1.4182 0.0400 0.2440 2009 1.4612 0.0460 0.2500 ______________ Source: Audited Financial Statements for fiscal year ended December 31, 2009. Residential Real Estate Property Tax Rates Fiscal Year

General Fund

Dispatch Fund

Pension Fund

2005 $1.2845 $0.0400 $0.2210 2006 1.2821 0.0400 0.2200 2007 1.2024 0.0400 0.2070 2008 1.2047 0.0400 0.2070 2009 1.3344 0.0430 0.2300 ______________ Source: Audited Financial Statements for fiscal year ended December 31, 2009.

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Agriculture Real Estate Property Tax Rates Fiscal Year

General Fund

Dispatch Fund

Pension Fund

2005 $1.4612 $0.0400 $0.2500 2006 1.4612 0.0400 0.2500 2007 1.4612 0.0400 0.2500 2008 1.4612 0.0390 0.2320 2009 1.4612 0.0440 0.2500 ______________ Source: Audited Financial Statements for fiscal year ended December 31, 2009.

Debt Service

Total Levy

$0.0690 0.0570 0.0740 0.0830 0.0910

$1.8202 1.8082 1.8252 1.8152 1.8462

Debt Service

Total Levy

$0.0690 0.0570 0.0740 0.0830 0.0910

$1.8134 1.8014 1.8184 1.8274 1.8354

Personal Property Tax Rates Fiscal Year

General Fund

Dispatch Fund

Pension Fund

2005 $1.4544 $0.0400 $0.2500 2006 1.4544 0.0400 0.2500 2007 1.4544 0.0400 0.2500 2008 1.4544 0.0400 0.2500 2009 1.4544 0.0400 0.2500 ______________ Source: Audited Financial Statements for fiscal year ended December 31, 2009.

Tax Collection Record. The following table sets forth tax collection information for the District for the fiscal years 2005 through 2009: Year Ended December 31

Total Taxes Levied(1)

2005 2006 2007 2008 2009

$2,398,091 2,406,932 2,527,102 2,532,098 2,548,804

Current and Delinquent Taxes Collected Amount % $2,350,433 2,454,210 2,465,575 2,602,035 2,602,869

(1)

98.01% 101.96 97.57 102.76 102.12

Includes the operating levy, dispatching levy, pension levy and debt service levy. Source: St. Louis County Department of Revenue.

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Major Property Taxpayers The following table sets forth the taxpayers owning property with the greatest amount of assessed valuation within the District based on the valuation of property owned as of January 1, 2009, with taxes on such property due by December 31, 2009. The District has not independently verified the accuracy or completeness of such information.

Type of Business

Taxpayer 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Ameren UE Supervalu Inc. STL Cold Drawn Inc. Hidden Park LLC Lewis & Clark Apartments LP Mississippi Valley Equipment Co. QuikTrip Corporation Western Oil Inc. William H. Ellison AT&T

Utility Grocery Retail Steel Manufacturers Apartments Apartments Pile driving equipment Gas station and retail Gas station and retail Unknown Communications

Assessed Valuation $ 4,171,041 1,441,850 918,110 844,320 615,600 595,170 586,290 583,130 566,470 518,781 $10,840,762

% of District’s Total Assessed Valuation 2.83% 0.98 0.62 0.57 0.42 0.40 0.40 0.40 0.38 0.35 7.35%

Source: St. Louis County Department of Revenue.

LEGAL MATTERS Legal matters with respect to the authorization, execution and delivery of the Bonds are subject to the approval of Gilmore & Bell, P.C., St. Louis, Missouri, Bond Counsel, whose approving opinion will be available at the time of delivery of the Bonds. Gilmore & Bell, P.C. will also pass upon certain legal matters relating to this Official Statement. The various legal opinions to be delivered concurrently with the delivery of the Bonds express the professional judgment of the attorneys rendering the opinions as to the legal issues explicitly addressed therein. By rendering a legal opinion, the opinion giver does not become an insurer or guarantor of that expression of professional judgment, of the transactions opined upon, or of the future performance of parties to such transaction, nor does the rendering of an opinion guarantee the outcome of any legal dispute that may arise out of the transaction.

TAX MATTERS The following is a summary of the material Federal and State of Missouri income tax consequences of holding and disposing of the Bonds. This summary is based upon laws, regulations, rulings and judicial decisions now in effect, all of which are subject to change (possibly on a retroactive basis). This summary does not discuss all aspects of Federal income taxation that may be relevant to investors in light of their personal investment circumstances or describe the tax consequences to certain types of owners subject to special treatment under the Federal income tax laws (for example, dealers in securities or other persons who do not hold the Bonds as a capital asset, tax-exempt organizations, individual retirement accounts and other tax deferred accounts, and foreign taxpayers), and, except for the income tax laws of the State of Missouri, does not discuss the consequences to an owner under any state, local or foreign tax laws. The summary does not

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deal with the tax treatment of persons who purchase the Bonds in the secondary market at a premium or a discount. Prospective investors are advised to consult their own tax advisors regarding Federal, state, local and other tax considerations of holding and disposing of the Bonds. Opinion of Bond Counsel Federal and Missouri Tax Exemption. In the opinion of Gilmore & Bell, P.C., Bond Counsel, under existing law, the interest on the Bonds (including any original issue discount properly allocable to an owner thereof) is excludable from gross income for federal and Missouri income tax purposes. Interest on the Bonds is not an item of tax preference for purposes of computing the federal alternative minimum tax imposed on individuals and corporations and is not taken into account in determining adjusted current earnings for the purpose of computing the alternative minimum tax imposed on certain corporations. The opinions set forth in this paragraph are subject to the condition that the District comply with all requirements of the Internal Revenue Code of 1986, as amended (the “Code”), that must be satisfied subsequent to the issuance of the Bonds in order that interest thereon be, or continue to be, excludable from gross income for federal and Missouri income tax purposes. The District has covenanted to comply with all such requirements. Failure to comply with certain of such requirements may cause the inclusion of interest on the Bonds in gross income for federal and Missouri income tax purposes retroactive to the date of issuance of the Bonds. The Bonds are “qualified tax-exempt obligations” for purposes of Section 265(b)(3) of the Code, and in the case of certain financial institutions (within the meaning of Section 265(b)(5) of the Code), a deduction is allowed for 80 percent of that portion of such financial institutions’ interest expense allocable to interest on the Bonds. Original Issue Discount. In the opinion of Bond Counsel, under existing law, the original issue discount in the selling price of each Bond purchased in the original offering at a price less than the principal amount thereof, to the extent properly allocable to each owner of such Bond, is excludable from gross income for federal income tax purposes with respect to such owner. The original issue discount is the excess of the stated redemption price at maturity of such Bond over its initial offering price to the public (excluding underwriters and intermediaries) at which price a substantial amount of the Bonds were sold. Under Section 1288 of the Code, original issue discount on tax-exempt bonds accrues on a compound basis. The amount of original issue discount that accrues to an owner during any accrual period generally equals (i) the issue price of such Bond plus the amount of original issue discount accrued in all prior accrual periods, multiplied by (ii) the yield to maturity on such Bond (determined on the basis of compounding at the close of each accrual period and properly adjusted for the length of the accrual period), minus (iii) any interest payable on such Bond during such accrual period. The amount of original issue discount so accrued in a particular accrual period will be considered to be received ratably on each day of the accrual period, will be excludable from gross income for federal income tax purposes, and will increase the owner’s tax basis in such Bond. Owners of any Bonds purchased at an original issue discount should consult with their tax advisors regarding the determination and treatment of original issue discount for federal income tax purposes and the state and local tax consequences of owning such Bonds. Original Issue Premium. An amount equal to the excess of the purchase price of a Bond over its stated principal amount at maturity constitutes premium on such Bond. An owner of a Bond must amortize any premium over such Bond’s term using constant yield principles, based on the Bond’s yield to maturity. As premium is amortized, the owner’s basis in such Bond and the amount of tax-exempt interest received will be reduced by the amount of amortizable premium properly allocable to such owner. This will result in an increase in the gain (or decrease in the loss) to be recognized for federal income tax purposes on sale or disposition of such Bond prior to its maturity. Even though the owner’s basis is reduced, no federal income tax deduction is allowed. Owners of any Bonds purchased at a premium, whether at the time of initial issuance or subsequent thereto, should consult their individual tax advisors with respect to the determination and treatment of premium for federal income tax purposes and with respect to state and local tax consequences of owning such Bonds.

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No Other Opinions. Bond Counsel expresses no opinion regarding other federal, state or local tax consequences arising with respect to the Bonds. Other Tax Consequences General. Prospective purchasers of the Bonds should be aware that ownership of the Bonds may result in collateral federal income tax consequences to certain taxpayers, including, without limitation, financial institutions, property and casualty insurance companies, individual recipients of Social Security or Railroad Retirement benefits, certain S corporations with “excess net passive income,” foreign corporations subject to the branch profits tax, life insurance companies, and taxpayers who may be deemed to have incurred or continued indebtedness to purchase or carry or have paid or incurred certain expenses allocable to the Bonds. Bond Counsel expresses no opinion regarding these tax consequences. Purchasers of Bonds should consult their tax advisors as to the applicability of these tax consequences and other federal income tax consequences of the purchase, ownership and disposition of the Bonds, including the possible application of state, local, foreign and other tax laws. Sale or Exchange. Upon the sale, exchange or retirement (including redemption) of a Bond, an owner of the Bond generally will recognize gain or loss in an amount equal to the difference between the amount of cash and the fair market value of any property received on the sale, exchange or retirement of the Bond (other than in respect of accrued and unpaid interest) and the owner’s adjusted tax basis in the Bond. To the extent the Bonds are held as a capital asset, the gain or loss will be capital gain or loss and will be longterm capital gain or loss if the Bond has been held for more than 12 months at the time of sale, exchange or retirement. Information Reporting and Backup Withholding. In general, information reporting requirements will apply to certain payments of principal, interest and premium paid on the Bonds, and to the proceeds paid on the sale of Bonds, other than certain exempt recipients (such as corporations and foreign entities). A backup withholding tax will apply to these payments if the owner fails to provide a taxpayer identification number or certification of foreign or other exempt status or fails to report in full dividend and interest income. The amount of any backup withholding from a payment to an owner will be allowed as a credit against the owner’s Federal income tax liability.

CONTINUING DISCLOSURE UNDERTAKING The District is executing the Continuing Disclosure Agreement for the benefit of the owners and Beneficial Owners of the Bonds and in order to assist the Underwriter in complying with Rule 15c2-12 of the Securities and Exchange Commission (the “Rule”). The District is the only “obligated person” with responsibility for continuing disclosure. Annual Reports Pursuant to the Continuing Disclosure Agreement, the District shall, not later than 180 days after the end of the District’s fiscal year, provide to the Municipal Securities Rulemaking Board (“MSRB”) the following financial information and operating data (the “Annual Report”): (1) The District’s audited financial statements for the prior fiscal year, prepared in conformance with generally accepted accounting principles. If the District’s audited financial statements are not available by the time the Annual Report is required to be filed, the Annual Report shall contain unaudited financial statements in a format similar to the financial statements contained in this Official Statement, and the audited financial statements shall be filed in the same manner as the Annual Report when they become available.

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(2) Information relating to the District and its operations set forth in the tables of this Official Statement under the following captions: “PROPERTY TAX INFORMATION CONCERNING THE DISTRICT - Property Valuations” and “- History of Tax Levies.” Material Event Notices Pursuant to the Continuing Disclosure Agreement, the District also shall file notice with the MSRB of the occurrence of any of the following events with respect to the Bonds, if material (“Material Events”): (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

principal and interest payment delinquencies; non-payment related defaults; unscheduled draws on debt service reserves reflecting financial difficulties; unscheduled draws on credit enhancements reflecting financial difficulties; substitution of credit or liquidity providers, or their failure to perform; adverse tax opinions or events affecting the tax-exempt status of the Bonds; modifications to rights of bondowners; optional, contingent or unscheduled bond calls; defeasances; release, substitution or sale of property securing repayment of the Bonds; or rating changes.

Notwithstanding any other provision of the Continuing Disclosure Agreement, the District may amend the Continuing Disclosure Agreement and any provision of the Continuing Disclosure Agreement may be waived, provided that Bond Counsel or other counsel experienced in federal securities law matters provides the District with its opinion that the undertaking of the District, as so amended or after giving effect to such waiver, is in compliance with the Rule and all current amendments thereto and interpretations thereof that are applicable to the Continuing Disclosure Agreement. If the District fails to comply with any provision of the Continuing Disclosure Agreement, the Underwriter or any Beneficial Owner of the Bonds may take such actions as may be necessary and appropriate, including seeking mandamus or specific performance by court order, to cause the District to comply with its obligations under the Continuing Disclosure Agreement. A default under the Continuing Disclosure Agreement shall not be deemed an event of default under the Resolution or the Bonds, and the sole remedy under the Continuing Disclosure Agreement in the event of any failure of the District to comply with the Continuing Disclosure Agreement shall be an action to compel performance. Electronic Municipal Market Access System (EMMA) All Annual Reports and notices of Material Events required to be filed by the District pursuant to the Continuing Disclosure Agreement must be submitted to the MSRB through the MSRB’s Electronic Municipal Market Access system (“EMMA”). EMMA is an internet-based, online portal for free investor access to municipal bond information, including offering documents, material event notices, real-time municipal securities trade prices and MSRB education resources, available at www.emma.msrb.org. Nothing contained on EMMA relating to the District or the Bonds is incorporated by reference in this Official Statement. Prior Compliance The District is in compliance with its continuing disclosure obligations under the Rule.

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BOND RATING Standard & Poor’s (the “Rating Agency”), has assigned a municipal bond rating of “AA-” to the Bonds based upon the underlying credit of the District. Such rating reflects only the view of the Rating Agency at the time the rating is given, and the District and the Underwriter make no representation as to the appropriateness of such rating. An explanation of the significance of such rating may be obtained only from the Rating Agency. The District furnished the Rating Agency with certain information and materials relating to the Bonds and the District that has not been included in this Official Statement. Generally, rating agencies base their ratings on the information and materials so furnished and on investigations, studies and assumptions by the rating agencies. There is no assurance that a particular rating will remain in effect for any given period of time or that it will not be revised downward or withdrawn entirely if, in the judgment of the rating agency, circumstances warrant. The Underwriter has not undertaken any responsibility to bring to the attention of the holders of the Bonds any proposed revision or withdrawal of any rating of the Bonds or to oppose any such proposed revision or withdrawal. Pursuant to the Continuing Disclosure Agreement, the District is required to bring to the attention of the holders of the Bonds any rating changes but has not undertaken any responsibility to disclose any rating revisions proposed by the Rating Agency or to oppose any such proposed revision or withdrawal of the rating of the Bonds. See the caption “CONTINUING DISCLOSURE UNDERTAKING” herein. Any downward revision or withdrawal of the rating may have an adverse effect on the market price and marketability of the Bonds.

ABSENCE OF LITIGATION As of the date hereof, there is no controversy, suit or other proceeding of any kind pending or, to the District’s knowledge, threatened wherein or whereby any question is raised or may be raised, questioning, disputing or affecting in any way the legal organization of the District or its boundaries, or the right or title of any of its officers to their respective offices, or the legality of any official act in connection with the authorization, issuance and sale of the Bonds, or the constitutionality or validity of the Bonds or any of the proceedings had in relation to the authorization, issuance or sale thereof, or the levy and collection of a tax to pay the principal and interest thereof, or which might affect the District’s ability to meet its obligations to pay the Bonds.

UNDERWRITING Piper Jaffray & Co., St. Louis, Missouri (the “Underwriter”) has agreed to purchase Bonds at a price of $3,038,282.05 (which is equal to the aggregate original principal amount of the Bonds, less an underwriting discount of $30,000.00 and plus a net original issue premium of $68,282.05). The Underwriter may sell certain maturities of the Bonds at a price greater than such purchase price, as shown on the inside cover page hereof. The Underwriter is purchasing the Bonds for resale in the normal course of the Underwriter’s business activities. The Underwriter reserves the right to offer any of the Bonds to one or more purchasers on such terms and conditions and at such price or prices as the Underwriter, in its discretion, determines. The Underwriter has entered into an agreement (the “Distribution Agreement”) with Advisors Asset Management, Inc. (“AAM”) for the distribution of certain municipal securities offerings allocated to the Underwriter at the original offering prices. Under the Distribution Agreement, if applicable to the Bonds, the Underwriter will share with AAM a portion of the fee or commission, exclusive of management fees, paid to the Underwriter.

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MISCELLANEOUS The references, excerpts and summaries of all documents referred to herein do not purport to be complete statements of the provisions of such documents, and reference is made to all such documents for full and complete statements of all matters of fact relating to the Bonds, the security for the payment of the Bonds and the rights of the Owners thereof. During the period of the offering, copies of drafts of such documents may be examined at the office of the Underwriter; following delivery of the Bonds, copies of such documents may be examined at the corporate trust office of the Paying Agent. The information contained in this Official Statement has been compiled from official and other sources that are deemed to be reliable, and while not guaranteed as to completeness or accuracy, is believed to be correct as of this date. Any statement made in this Official Statement involving matters of opinion or of estimates, whether or not expressly so stated, are set forth as such and not as representations of fact, and no representation is made that any of the estimates will be realized. The information and expressions of opinion herein are subject to change without notice and neither the delivery of this Official Statement nor any sale made hereunder shall, under any circumstances, create any implication that there has been no change in the information presented herein since the date hereof. This Official Statement is not to be construed as a contract or agreement between the District, the Paying Agent, or the Underwriter and the purchasers or Owners of any Bonds. The District has duly authorized the delivery of this Official Statement. RIVERVIEW FIRE PROTECTION DISTRICT OF ST. LOUIS COUNTY, MISSOURI

By: /s/ Norvel H. Paro Chairman of the Board of Directors

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APPENDIX A DISTRICT’S COMPREHENSIVE ANNUAL FINANCIAL REPORT FOR THE FISCAL YEAR ENDED DECEMBER 31, 2009

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APPENDIX B

DESCRIPTION OF ST. LOUIS COUNTY, MISSOURI

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DESCRIPTION OF ST. LOUIS COUNTY, MISSOURI General St. Louis County (the “County”) was formed by a proclamation of Governor William Clark on October 1, 1812, nine years before Missouri attained statehood. In 1876, by vote of the entire county, the City of St. Louis separated itself from the County. Today, the County covers an area of 524 square miles. The City of Clayton is the County seat and is located in the east-central part of the County. The 2009 population of the County was estimated at 992,408. Sixty-six percent of the land area of the County is occupied by 91 self-governing municipalities, containing two-thirds of the population of the County. The remaining unincorporated area comes under the direct jurisdiction of the County government. The County is part of the St. Louis Consolidated Standard Metropolitan Statistical Area (“St. Louis SMSA”), which is comprised of the counties of St. Charles, St. Louis, Franklin, Jefferson, Lincoln, Warren and Washington in Missouri, the City of St. Louis, Missouri and the counties of Bond, Calhoun, Jersey, Madison, St. Clair, Clinton, Macoupin and Monroe in Illinois. Government The County is a Constitutional Charter County. Its system of government is provided for in its Charter, which first became effective in 1950 and was revised in 1968 and again in 1979. Under the Charter, the County has all powers which the General Assembly of the State has the authority to confer on any county, provided such powers are consistent with the Missouri Constitution and are not limited by the Charter or by statute. The County has all other powers conferred on it by law. The County Executive, elected for a four-year term, is the Chief Executive Officer of the County. The legislative body of the County is the County Council, which is comprised of seven members. One member of the County Council is elected from each of the County’s seven districts to serve a four-year staggered term. The presiding officer of the County Council is the Chair, who is selected from among the members of the County Council in every calendar year. The current chief elected officers of the County and their terms are as follows: Office County Executive County Council Chair County Councilmember County Councilmember County Councilmember County Councilmember County Councilmember County Councilmember

Officer

Term Ends

Charlie A. Dooley Barbara Fraser Hazel M. Erby Kathleen Kelly Burkett Michael O’Mara Gregory F. Quinn Steve Stenger Colleen Wasinger

2010 2010 2010 2012 2012 2010 2012 2010

Community Services General. The County provides a wide range of services in three categories: (i) countywide services, which are available on an equal basis to residents of incorporated and unincorporated areas of the County; (ii) municipal-type services to unincorporated areas; and (iii) services to incorporated areas on request or by contractual agreement. Major services provided by the County include: tax assessment and collection, judicial and justice services, public works, road and bridge maintenance and construction, human services programs,

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planning and zoning, health care, environmental health, election administration, parks and recreation, police protection, economic development and housing assistance programs. Utilities. Storm water drainage and sewage collection and disposal facilities for most of the County are operated by the Metropolitan St. Louis Sewer District, a separate taxing authority that is financed by ad valorem taxes and user fees. Other utilities in the County are provided predominantly by privately owned companies. Water service is provided by Missouri-American Water Company. Gas service is provided by Laclede Gas Company, electrical service is provided by Ameren UE and telecommunication service is provided by AT&T and numerous cellular and digital telecommunications companies. However, the City of Kirkwood maintains its own municipal water and electric system and the City of Eureka maintains its own water and sewer service. Medical Services. There are approximately 50 hospitals located in the St. Louis SMSA, of which 13 are located in the County. Hospitals located in the County with more than 600 beds are Christian NortheastNorthwest, St. Anthony’s Medical Center, St. Mary’s Health Center and St. John’s Mercy Medical Center. Police Protection. The incorporated portion of the County receives police protection from 58 municipal police departments. Police protection in unincorporated portions of the County is provided by the St. Louis County Department of Police (the “County Police Department”). Seventeen incorporated municipalities also contract with the County Police Department for police protection. Fire Protection. Fire protection in the County is provided by 20 municipal fire departments and 23 independent fire protection districts. The fire protection districts are independent of the County, having their own elected officials, budgets and administrators and are empowered to levy property taxes, separate and distinct from those levied by the County, sufficient to finance their operations. Municipal departments are supported by municipal revenues, which include property taxes, sales taxes, utility taxes, various fees and intergovernmental payments. Education. The public school system within the County is operated under the administration and control of 24 school districts, including the St. Louis County Special School District, which serves students with disabilities. School districts are independent jurisdictions with elected boards and independent taxing authority. The St. Louis Community College (the “College”), also a separate taxing authority, maintains two campuses in the County and one campus in the City of St. Louis. The College awards associate degrees and certificates of proficiency and specialization in several courses of study. The University of Missouri maintains a campus in the County, encompassing 50 buildings on approximately 350 acres. The academic structure at this campus consists of a College of Arts and Sciences, Schools of Business Administration, Communication, Education, Fine Arts, Nursing and Optometry, a Graduate School and an Evening College. From its beginning in 1963, the St. Louis campus of the University of Missouri has grown to become the third largest university in Missouri and the largest in St. Louis in terms of enrollment. The St. Louis campus serves primarily residents of the St. Louis SMSA (as defined herein). Private universities located in the County include Fontbonne University, Maryville University, Washington University and Webster University. In addition, St. Louis University, a prominent university in the area, is located in the City of St. Louis. Numerous other private schools, college and universities have facilities within the County. Parks. There are over 30,000 acres of public park land in the County, with the County Department of Parks and Recreation serving as the steward for more than 12,600 acres. The County park system offers 69 parks featuring camping, fishing, boating, picnicking, hiking, horseback riding, swimming, golf, ice skating,

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and other athletic activities. Unique attractions include the St. Louis Carousel; the Butterfly House; the internationally recognized Laumeier Sculpture Park; the working farm in Suson Park; the elk and buffalo in Lone Elk Park; and the Museum of Transportation which “houses one of the largest and best collections of transportation vehicles in the world” according to the Smithsonian Institution. The St. Louis County Department of Parks and Recreation is also working in cooperation with the Metropolitan Parks and Recreation District to acquire and develop property for a regional system of greenways with trails and recreational facilities along the Meramec and Missouri Rivers. Transportation. The County’s central geographic location makes it accessible to all parts of the United States for shipping and receiving merchandise, raw materials and other resources. It has a complete range of transportation facilities including highways, railroads, waterways and airports. Roadways are the most important component of the County’s transportation system. There are approximately 5,238 miles of highways and roads in the County, including six interstate highways. The County operates the Spirit of St. Louis Airport, located in the western portion of the County, which the Federal Aviation Administration (the “FAA”) has designated as the area’s prime reliever airport. This airport is the base for approximately 500 aircraft. The Spirit of St. Louis Airport averaged about 249 operations per day in 2009. Commercial air service is provided by Lambert St. Louis International Airport, located in the County and operated by the City of St. Louis. In 2009, Lambert St. Louis International Airport had more than 6.4 million enplanements. Recent expansion at Lambert St. Louis International Airport included a new 9,000 foot parallel runway, opened in 2006 to minimize delays by facilitating simultaneous landings in bad weather. The airport recently announced $50 million in modernization projects focused on modernizing Terminal 1 (formerly known as the “Main Terminal”) and improvements to concourses A and C. One intercontinental railroad, one regional railroad, one local railroad, three switching terminal railroads and numerous barge lines and commercial carrier truck lines also provide services within the County. Public transportation, including bus and light rail service, for the County is provided by the Bi-State Development Agency, a regional entity serving Missouri and Illinois (the “Agency”). The Agency has authority to issue bonds payable out of revenues collected for the use of facilities leased, owned or operated by it in the St. Louis SMSA (as defined herein). At present, the Agency receives funds from a 1/2 of 1% transportation sales tax charged by the County and the City of St. Louis. Appropriations of this tax by the County and the City are used to pay a portion of the cost of the transportation system of the Agency. In addition, a 1/4 of 1% transportation sales tax in the County and the City of St. Louis is used to pay a portion of the costs of the MetroLink light rail system.

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ECONOMIC AND DEMOGRAPHIC DATA Population Population estimates for the County are set forth below:

Year

St. Louis County Percentage Population Change

2001 2002 2003 2004 2005 2006 2007 2008 2009

1,015,705 1,012,999 1,008,956 1,004,271 999,523 996,664 993,690 992,331 992,408

N/A -0.27% -0.40 -0.46 -0.47 -0.29 -0.30 -0.14 +0.01

______________ Source: U.S. Census Bureau. Income Statistics The following tables sets forth per capita personal income for the County for 2004 through 2008, the latest year available: Per Capita Personal Income

Year 2004 2005 2006 2007 2008

$45,680 46,968 50,845 52,576 54,343

(1)

“Per Capita Personal Income” is the annual total personal income of residents divided by the resident population as of July 1. “Personal Income” is the sum of net earnings by place of residence, rental income of persons, personal dividend income, personal interest income, and transfer payments. “Net Earnings” is earnings by place of work - the sum of wage and salary disbursements (payrolls), other labor income, and proprietors’ income - less personal contributions for social insurance, plus an adjustment to convert earnings by place of work to a place-of-residence basis. Personal Income is measured before the deduction of personal income taxes and other personal taxes and is reported in current dollars (no adjustment is made for price changes). Source: U.S. Department of Commerce, Bureau of Economic Analysis.

Commerce and Industry The County accounts for approximately 17% of the State of Missouri’s population and 27% of all jobs in the State of Missouri. The County has a diverse economic base, which includes manufacturing, service industries, commerce and trade. The national or international headquarters of five Fortune 500 companies and eleven Fortune 1,000 companies are located in the County. Per capita income and median family income of B-4

residents of the County exceed the per capita income and family income values for the remainder of the State of Missouri. Employment The following tables sets forth information relating to the estimated average composition of employment in the County for calendar year 2008: Estimated Employment

Type Natural Resources and Mining Construction Manufacturing Trade, Transportation, and Utilities Information Financial Activities Professional and Business Services Education and Health Services Leisure and Hospitality Other Services Government

936 34,888 52,043 124,060 15,577 42,773 107,372 91,105 59,717 19,876 56,514

Total

604,861

Source: U.S. Department of Labor, Quarterly Census of Employment and Wages, 2008 Reports. Estimate is based on 9 months of data. Notes: Includes only employees covered by unemployment insurance. Railroad, military, some religious/non-profit employees and self-employed workers are excluded. This report uses the North American Industrial Classification System (NAICS), which has replaced the previously used Standard Industrial Classification (SIC) system.

The following table sets forth employment figures for the County:

For Year

Total Labor Force

Employed

2005 536,250 508,645 2006 532,482 507,486 2007 528,781 502,704 2008 521,555 490,271 2009 516,614 470,073 ___________________________________ Source: U.S. Department of Labor, U.S. Bureau of Labor Statistics.

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Unemployed 27,605 24,996 26,077 31,284 46,541

Unemployment Rate 5.1% 4.7 4.9 6.0 9.0

The following list sets forth the names and approximate employment of the top ten employers in the County:

Company

Nature of Business

1. The Boeing Company Manufacturing 2. Washington University in St. Louis Higher education 3. SSM Healthcare Healthcare 4. Wal-Mart Discount retail 5. Schnucks Markets Inc. Grocer 6. St. John’s Mercy Health Care Healthcare 7. Edward Jones Financial services 8. Special School District of St. Louis County Education 9. Dierbergs Markets Grocer 10. Monsanto Co. Crop production _______________ Source: St. Louis Business Journal, 2010 Book of Lists.

* * *

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Approximate Number of Employees 16,000 13,167 12,367 10,800 10,700 9,793 5,988 5,960 4,500 4,470