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books of the Bank and by paying principal and accrued interest <br />together with a premium equal to three percentum of the <br />principal. <br /> <br /> I hereby certify that the following is a correct copy <br />of the signed legal opinion of STURGIS, NESS, BRUNSELL & SPERRY a <br />professional corporation, Emeryville, California, on file in my <br />office. <br /> <br />City Clerk <br /> <br />4 <br /> <br /> <br />