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<p class=MsoNormal><font size=2 color=blue face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:blue'>Recent reports in the public media
indicate that the ratings of several bond insurers have been or may be
downgraded. It may be in your institution's interest to consult with its
attorneys or bond advisors with respect to whether or not these reports
require some action on the part of the institution pursuant to 'continuing
disclosure agreements' pertaining to its bond issues or lease-purchase
agreements.</span></font><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p></o:p></span></font></p>
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