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<br />C:;,..d. VI.,.. Wa.t.P,.. Us-e.-50 <br /> <br />lsaS24:S4871 <br /> <br />~ 005/009 ~ ,l. <br />P.elS <br /> <br />. 02109/99 13:31 <br /> <br />'a' <br /> <br />"Laddering" Treasury notes is a strategy used by many investors desiring the <br />benefits of a staggered maturity investment pOrtfolio and income on a more <br />regular basis. The large number of outstanding treasury issues that are available <br />allow the investor to build a "ladder" to fil almost any investment objective. A <br />common ladder would consist of 6 issues maturing 1 to 5 years out, and <br />providing an interest coupon payment every month of the year (because each <br />issue has payments twice a year). Enclosed is an example of a "Treasury <br />Ladder" using fourT-Notes. <br /> <br />As your account Representative, I will be contacting you as the securities <br />mature. This will help us to reinvest for maximize yield and safety, as well as <br />meeting your investment policy guidelines. I look forward to our working <br />. together with these funds in the future. <br /> <br />If you or your board members have any questions or concerns, please do not <br />hesitate to give me a call. I can be reached at 970-248-4669. <br /> <br />Sincerely, <br /> <br />rfJa-~ <br /> <br />David Soderborg <br />Vice President <br /> <br />