Ladies and Gentlemen:

With the volatility of the market during the past several weeks, the TV and print media have frequently discussed it's ups and downs, primarily due to no other news to report. We are still holding some cash in various accounts as the statistics and analysis suggest even more an overvalued market. We would still like to hold a little longer to take advantage of some lower prices.

Some have asked about our new web site. We're happy to announce that it should be up and complete by the time you receive this correspondence. The web site address is www.cimky.com as of now. If it is not online, it should be only a matter of days. We will be testing it and tweaking various parts so if it is occasionally unavailable, it would only be down for minor maintenance. There will be a link at the top menu bar for you to access your account at any time. If you have difficulty doing so, please do not hesitate to call Karen at 270-259-0769.

This past winter, some of you had asked about the annual reception that we did not have this past fall. We had provided this gathering of all the clients of CIM for the past nine or ten years. The purpose of the reception was basically twofold. First, to thank you in person for allowing me the opportunity to manage your accounts. Secondly, I've always felt so strongly about how we do what we do that I was willing to stand before you anytime and answer any questions that you may have and provide you with any current information that I thought would be helpful and informative. However, during the past year or so, I became concerned that we had provided so much information over the years that we were becoming redundant in what we had to say. I would never want what we had to say to be boring or useless because it was presented in some way before. I suppose I'm terribly sensitive to the last one as listening to useless information is a pet peeve of mine. Consequently, we chose to skip a year and see how this would work. We've spoken with our Advisory Board about this and they suggested what we thought was a good idea. We will probably continue with our reception, but focus more on new clients attending. Of course, all of you would be welcomed to come, but we will focus on providing information to new clients or anyone that might want to hear or discuss issues that come up. I'm sure I will have some new information each year, but I won't risk being too repetitive for everyone each year.

Now let's talk about "phishing." "Phishing" is a new term in our internet age that refers to someone somewhere attempting to obtain your information by sending you an email asking you to "update" your information. We are
aware that in other parts of the country, individuals have been sent emails from what appears to be TD Ameritrade asking the recipient to "update their information" by providing their password, account information, etc. The sender doesn't know who has accounts with TD Ameritrade and who doesn't, so they just send out thousands hoping one or two will be careless enough to respond. If they do, then they have just given away their account information.   Please always remember.no one will ever ask you for a password or ask you to update your account information through an email. This is really no different that the same scheme used by telephone years ago. Now, it's just through email. Karen and I are the only people that should be discussing your account with you. As an example, I receive an email about once a month asking me to update my information with US Bank. It looks like a good email. It has the bank's logo and type and symbols. The problem is. I don't have an account with US Bank. The more obvious ones that I receive weekly are usually concerning a bank in Africa that wants to share $152,000,000 with me if I'll just respond to their email.

I want to thank so many of you again who have referred your family and friends to us. Nothing compliments us more and we're proud to care for them. We're continuing to meet with our Advisory Board and they are giving us great suggestions and feedback on what we are doing.

Thank you again for allowing us to care for your accounts. Please don't hesitate to call us if you need anything.

Respectfully yours,

Brad Travis

Capital Investment Management, Inc.