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12. Failure to provide annual financial information as required; and <br />13. Other material events. <br /> <br />MARKET CONDITIONS <br /> <br />The graph on the following page shows the trends in the Bond Buyer's 20-Year <br />G.O. Index (BBI) since 1990. Interest rates have fluctuated by 1/4% to 1/2% over <br />the past six months. The date of issuance of the Bonds will, in part, depend upon <br />the interest market. <br /> <br />Page 7 <br /> <br /> <br />