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Book -Entry -Only System: The timely credit of payments for principal and interest on the Bonds to the accounts <br />of the Beneficial Owners of the Bonds may be delayed due to the customary practices, standing instructions or for <br />other unknown reasons by DTC participants or indirect participants. Since the notice of redemption or other notices <br />to holders of these obligations will he delivered by the City to DTC only, there may be a delay or failure by DTC, <br />DTC participants or indirect participants to notify the Beneficial Owners of the Bonds. <br />Economy: A combination of economic, climatic, political or civil disruptions or terrorist actions could affect the <br />local economy and result in reduced tax collections and /or increased demands upon local government. <br />6 <br />