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Scenario 2 (90% UAL Payment) <br />MISce. Llnrou: <br />S]Mry <br />TOb'. <br />a <br />a. n nnn <br />vanIn nnn <br />sa,Illmn <br />•..l aw,a.a <br />�.11. Dsao nt 51C 536 9,1'S00 I C103C <br />...I u... <br />TIC A."... L,.. to 1813K 152871% 1 <br />52861% <br />Amortla]Ilon Base <br />l <br />0].aneci <br />UAL ROUndlZA <br />UAL 0.em]Inlnq <br />� <br />'UUL <br />(14Y39C4I <br />(1,4839841 <br />c <br />OenprlC'." ,e <br />200I <br />2 ;,M 0-1 <br />- <br />2i,02..094 <br />a. nrn ,, <br />onr <br />n <br />1.-1 <br />r yliun C,'n,e <br />ILL, <br />[121 t!- <br />- <br />11,25141, <br />I Il nl.. 11.... <br />>nnn <br />;n1 16611 <br />pn 7nrl <br />_ <br />....... .nnlll:.::: <br />)L,.O <br />Msn' S <br />L'. I7fi0:: 51 <br />- <br />A ,_,. ..... <br />2011 <br />12,3G3_17 <br />12,363217 <br />SlIIJA IG. IlIL— <br />2011 <br />O ES 1021 <br />- <br />(7,365 492J <br />1.1�11111fl nl/L[v'. <br />1.11 <br />i1111213 <br />f5619143) <br />NG.I /LC:S <br />21-- <br />1'64.140 <br />(264 M) <br />_1_,_,111 <br />ULU.1) till <br />I <br />1,6,11fi+1 <br />- <br />(636-16a1 <br />(r•.,JP... <br />>O15 <br />i1,nfi3Mn <br />li`fi63. S90) <br />4: ::lmptlnn rnCml <br />2016 <br />16, l fiifin2 <br />16,168 642 <br />N G.I/14:5 <br />201G <br />iC i46410 <br />3851A420 <br />flaurn CUCr C111n6e <br />1037 <br />13911121 <br />- <br />13,911421 <br />(<:,,nIP �+•. <br />o.n• <br />(ol,r ,,. n.J <br />p>.Tnn and <br />N <br />LU-1 <br />I,," Z11 <br />(I./-L14u) <br />- <br />n <br />1011, <br />11716Ill <br />11l7467511 <br />_ <br />IG• IU,'+ <br />I'll <br />IHp6R6111 <br />- <br />(13.4686131 <br />A `iolUonr Innm'a <br />1C15 <br />l41 ^- , <br />11119:1) <br />Nan m.-_.: o_roa lG]Ill—L <br />2010 <br />1,nI60E2 <br />11,7E5.342l <br />1,218046 <br />111�il llenc 1G1 n)t-6" <br />1C39 <br />40L3193 <br />f4 V031931 <br />Thal <br />Z9uLL,671 <br />1f28,57187S1 <br />E70,141am <br />Amorulatlon Bail, <br />Year <br />Balaueei <br />UAL Rcturdl <br />UAL flenlalnlnp <br />,. N.1 Sr]n <br />ILL', <br />I2i•.100.5491 <br />(2..00S49) <br />Ge.... C'. Z Ire <br />2000 <br />1:00 C90 <br />11.000001 <br />- <br />11-1 1111 <br />,1— <br />n . .1 <br />p4 a I,�.. <br />a I 11, IN--, <br />aw9 <br />11 "I9 11 <br />(,i.11, Lr ) <br />- <br />IllIr.)A =,.. <br />Join <br />11 '/45 aA)I <br />- <br />111J45n6)1 <br />A I,r G0m1R[` <br />)Oii <br />C;SS➢,LS <br />(15.35S.AS1 <br />- <br />5A (G dtt.. <br />in" <br />la 3CS9411 <br />14,365942) <br />0 lrlGa11/''_1- <br />2012 <br />9230'52 <br />8,130-S21 <br />- <br />GZlIWLoas <br />1U11 <br />7I,113]:L <br />p1 ]4125C) <br />Gm IWLoc <br />[Ul1 <br />14V.]0'.9llI <br />(e,L- 14) <br />145,34U 472 <br />A I _ _n. ,._ <br />1nU <br />` <br />_bnA.14y <br />f`a.1 P14n1 <br />(. p.,.. <br />,.. <br />Ln.. ra..n <br />Il <br />A ..r,.. �.,��_ <br />Inl....6 <br />175n...75 <br />(in -,;A 7G) <br />IGalIll I:t <br />`DIE <br />SI Mi1)4 <br />L51 >ni3)41 <br />_ <br />A[:u,.notmn L 11 nae <br />Ill <br />1311tl]Ill <br />f13.11r, 11) <br />IC,:. nlh— <br />2017 <br />133 Gil 702,.. <br />133.6111021 <br />r1.q <br />A•., t L.1 nt, <br />zm9 <br />4Il.D.1149 <br />(4V.I�J14e1 <br />- <br />'In l.— <br />)Jni <br />0.I I.i A.i61 <br />- <br />II'S16ASA) <br />N cJC-.1J . <br />MI <br />5115>,I05 <br />(q,5,-n51 <br />- <br />1 )n1M^' <br />2019 <br />4GIL 39a <br />14. e1S1 (11 <br />For every scenario generated by our propriety POB model, BofA also applies stochastic simulations to gain a <br />deeper understanding of the potential performance of n structure, while also incorporating the impact of <br />investment return volatility. The probability of success for the two financing scenarios above are presented in <br />the table below — importantly, this model is able to help the City assess how changes in the CaIPERS discount <br />rate would impact the performance metrics of a DOB (e.g., the City could test an "expected annual return" of <br />6.0% versus 7.0%). <br />In an additional step to help our POB clients understand the risks/potential benefits associated with POBS, our <br />model stress tests the POB structure given various investment returns following issuance. The table below shows <br />the expected PV savings under four sample investment return assumptions — one of which is a negative 20% <br />investment return "shock" in the first year following the POB issuanco. As summarizod below, ouch of Scenario <br />1 (50%) and Scenario 2 (90%) still would provide a PV benefit it in the event of that first year loss it there were <br />7"/o returns in subsequent years. To the extent the City would like to stress test or change investment return <br />parameters, BofA would be able to quickly incorporate such feedback and generate tangible insights as we have <br />done for the cities of Riverside, El Cajon, Gardena and Downey. <br />BofA Stochastic Simulation Analysis and Stress Testing <br />Expected Annual Return <br />7.04'. <br />7 0k <br />Annual Volatility <br />V U'.6 <br />11 U <br />Probability of Success (Simulation) <br />fi5 fi091, <br />AIS 10a1, <br />Stress Testy <br />PV Benefit <br />% of Par <br />PV Benefit <br />% of Par <br />Base: 7%Annual Returns <br />5122,17£,000 <br />34.0% <br />$210,431,000 <br />32AIA <br />TestL on%Yr•:x 1, 7%Annual Rrvturm <br />I%i lj, 14,or1U <br />94K, <br />SL1,40: i.0110 <br />/R'$ <br />Test 2. 6^A Annual Returns <br />$73,G£O,OOO <br />21.916 <br />313G,G35,000 <br />21.1% <br />Test 3:6% Annual Returns <br />$44,£GG,000 <br />12 537 <br />$79,SOO,OOO <br />12.3%, <br />Council 23 — 110 5/18/2021 <br />Page 11 BofA SECURITIES �� <br />