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out to the insurers to solicit credit approvals and insurance bids. The decision to use bond insurance will be <br />made closer to the time of pricing and be subject to investor demand. <br />Sample Scenarios. For illustrative purposes we ran two scenarios: (1) 50% UAL funding, and (2) 90% UAL funding <br />— both assuming market yields as of March 9, 2021. Appendix F includes our comprehensive model outputs for <br />each scenario, but we want to highlight that Scenario 2 (90% UAL Payment) produces a lower TIC than Scenario <br />1 (50% UAL Payment) due to the inclusion of an index eligible term bond and slightly lower average life. Further, <br />BofA does not see a material difference in "probability of success" metrics (discussed below) between either <br />scenario. <br />Miscellaneous UAL <br />Funded <br />• No Prepayment <br />Safety UAL Funded <br />• Full Prepayment of FY22 UAL by 8/1/21 <br />• Prepayment of Selected Bases on Closing Date to <br />reduce amortization payments beginning FY23 <br />Bond Structure <br />• Taxable Callable Fixed Rate Bonds <br />• Principal due 6/1; Interest due 6/1 and 12/1 <br />• Par Call Date: 6/1/2031 <br />• Serials 2022-2036 <br />• Term Bond 2037-2044 <br />• FY22-26 annual savings target of $10 million <br />Par Amount <br />$359,405,000 <br />Full Prepayment of FY22 UAL by 8/1/21 <br />Prepayment of Selected Bases on Closing Date to <br />reduce amortization payments beginning FY23 <br />• Full Prepayment of FY22 UAL by 8/1/21 <br />• Full Prepayment on Closing Date of UAL balance as <br />of 6/30/2022 for current amortization bases <br />• Taxable Callable Fixed Rate Bonds <br />• Principal due 6/1; Interest due 6/1 and 12/1 <br />• Par Call Date: 6/1/2031 <br />• Serials 2022-2035 <br />Index Eligible Term Bond 2036-2044 <br />• FY22-26 annual savings target of $20 million <br />$649,230,000 <br />All -in TIC <br />3.028% <br />2.883% <br />Average Life <br />14.8 years <br />13.2 years <br />Cumulative Savings <br />$184,523,000 <br />$316,816,000 <br />Financing PV Savings <br />(% of Par) <br />$152,826,000 <br />(42.5% of Par Amount) <br />$264,693,000 <br />(40.8% of Par Amount) <br />Actuarial PV Savings <br />(% of Par) <br />$122,178,000 <br />(34.0% of Par Amount) <br />$210,434,000 <br />(32.4% of Par Amount) <br />Scenario 1(50% UAL Payment) <br />Sources & Uses ($000s) <br />Miscellaneous Safety Total <br />Sources: 80,000 <br />ParAmount - 359,405.000 359,405.000 70,000 <br />Premium/(Discount) - - - <br />Other Sources 60,000 <br />Total Sources 359,405.000 359,405.000 <br />50,000 <br />Uses: <br />40,000 <br />FY22 Prepayment <br />- 29,101.640 <br />29,101.640 <br />POB Deposit <br />- 328,682.392 <br />328,682.392 <br />30,000 <br />Underwriter's Discount <br />- 808.661 <br />808.661 <br />20,000 <br />Costs of Issuance <br />- 808.661 <br />808.661 <br />Additional Proceeds <br />3.646 <br />3.646 <br />10,000 <br />Total Uses <br />359,405.000 <br />359,405.000 <br />Average life 14.8years 14.8 years <br />TIC 3.009% 3.009% <br />All -in TIC 3.028% 3.028% <br />Amortization Base <br />Year <br />Balances UAL Refunded <br />UAL Remaining <br />Fresh Start <br />2006 <br />(1,483.984) - <br />(1,483.984) <br />Benefit Change <br />2007 <br />25,025.094 - <br />25,025.094 <br />Benefit Change <br />2007 <br />119.441 - <br />119.441 <br />Assumption Change <br />2009 <br />27,257.475 - <br />27,257.475 <br />Special (Gain)/Loss <br />2009 <br />29,176.611 - <br />29,176.611 <br />Special (Gain)/Loss <br />2010 <br />10,760.315 - <br />10,760.315 <br />Assumption Change <br />2011 <br />12,363.217 - <br />12,363.217 <br />Special(Gain)/Loss <br />2011 <br />(7,365.492) - <br />(7,365.492) <br />Payment(Gain)/Loss <br />2012 <br />5,629.243 - <br />5,629.243 <br />(Gain)/Loss <br />2012 <br />(264.240) - <br />(264.240) <br />(Gain)/Loss <br />2013 <br />100,132.646 - <br />100,132.646 <br />Assumption Change <br />2014 <br />43,507.182 - <br />43,507.182 <br />(Gain)/Loss <br />2014 <br />(63,657.365) - <br />(63,657.365) <br />(Gain)/Loss <br />2015 <br />32,663.590 - <br />32,663.590 <br />Assumption Change <br />2016 <br />16,169.642 - <br />16,168.642 <br />(Gain)/Loss <br />2016 <br />38,544.420 - <br />38,544.420 <br />Assumption Change <br />2017 <br />13,911.421 - <br />13,911.421 <br />(Gain)/Loss <br />2017 <br />(21,744.346) - <br />(21,744.346) <br />Method Change <br />2018 <br />6,562.427 - <br />6,562.427 <br />Assumption Change <br />2018 <br />31,746.753 - <br />31,746.753 <br />(Gain)/Loss <br />2018 <br />(13,468.613) - <br />(13,468.613) <br />Al Significant Increase* <br />2019 <br />141.851 - <br />141.851 <br />Non-investment(Gain)/Loss <br />2019 <br />2,974.088 - <br />2,974.088 <br />Investment(Gain)/Loss <br />2019 <br />4,001293 - <br />4,003.293 <br />Total <br />292,703.672 - <br />292,703.672 <br />1 <br />SANTA ANA <br />g o e e a a a o <br />Debt Service a Unrefunded UAL Current UAL FY22 UAL <br />Amortization Base <br />Year <br />Balances <br />UAL Refunded <br />UAL Remaining <br />Fresh Start <br />2005 <br />(2,800.549) <br />- <br />(2,800.549) <br />Benefit Change <br />2006 <br />1,500.690 <br />- <br />1,500.690 <br />Assumption Change <br />2009 <br />14,083.767 <br />- <br />14,083.767 <br />Special (Gain)/Loss <br />2009 <br />31,769.094 <br />(31,769.094) <br />- <br />Special(Gain)/Loss <br />2010 <br />(11,745.462) <br />- <br />(11,745.462) <br />Assumption Change <br />2011 <br />15,355.805 <br />- <br />15,355.805 <br />Special(Gain)/Loss <br />2011 <br />(4,365A42) <br />- <br />(4,365.942) <br />Payment(Gain)/Loss <br />2012 <br />8,239.758 <br />(8,239.758) <br />- <br />(Gain)/Loss <br />2012 <br />74,443.250 <br />(74,443.250) <br />- <br />(Gain)/Loss <br />2013 <br />140,365.987 <br />(140,365.987) <br />- <br />Assumption Change <br />2014 <br />52,003.240 <br />- <br />52,003.240 <br />(Gain)/Loss <br />2014 <br />(84,279.949) <br />- <br />(84,279.949) <br />(Gain)/Loss <br />2015 <br />59,805.689 <br />(28,078.909) <br />31,726.780 <br />Assumption Change <br />2016 <br />19,756.175 <br />- <br />19,756.175 <br />(Gain)/Loss <br />2016 <br />51,205.324 <br />(12,516.578) <br />38,688.746 <br />Assumption Change <br />2017 <br />23,218.574 <br />- <br />23,218.574 <br />(Gain)/Loss <br />2017 <br />(33,611.702) <br />- <br />(33,611.702) <br />Method Change <br />2018 <br />5,497.157 <br />(5,497.157) <br />Assumption Change <br />2018 <br />40,053.249 <br />(40,053.249) <br />- <br />(Gain)/Loss <br />2018 <br />(1,536.868) <br />- <br />(1,536.868) <br />Non-investment(Gain)/Loss <br />2019 <br />5,058.705 <br />(5,058.705) <br />- <br />Investment(Gain)/Loss <br />2019 <br />4,675.386 <br />(4,675.386) <br />- <br />Total 408,691.378 (350,698.072) <br />Page 10 BofA SECURITIES <br />