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fifteen (15) days immediately preceding any January 2 or July 2. <br /> <br /> The City and the Bank may treat the owner hereof as the <br />absolute owner for all purposes, and the City and the Bank shall <br />not be affected by any notice to the contrary. <br /> <br /> This bond or any portion of it in the amount of $5,000 <br />or any integral multiple thereof, may be redeemed and paid in <br />advance of maturity upon the second day of January or July in any <br />year by giving at least 60 days' notice by registered mail to the <br />registered owner hereof at such owner's address as it appears on <br />the registration books of the Bank and by paying principal and <br />accrued interest together with a premium equal to five percentum <br />of the principal. <br /> <br /> I hereby certify that the following is a correct copy of <br />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 /> 2 <br /> <br /> <br />