The following points outline the essentials of our programs:

1. We forecast interest rates based upon our analysis of the economic fundamentals.
2. We accept market risk. We limit credit risk.
3. We handle no client cash or securities.
4. Assets always remain in the name of the client.
5. We obtain a limited power of attorney to move assets among a predetermined group of funds and/or ETFs (exchange traded funds).
6. Additions and withdrawals may be made on a regular or random basis.
7. Reports are received by the client concerning activity and values from the custodian, and quarterly statements are provided by Central Plains Advisors.
8. A quarterly Economic Commentary, along with Interim Market Updates (as needed), are supplied by Central Plains Advisors.