0 trillion, the Fund has purchased $1.
"We vigorously advocated on behalf of Vectren's residential customers, who
deserve to have this money returned to them.

lobbies adequate

Investing in Small Businesses: Mutual Fund Plans $50 Million Initiative to Support Loans for Small Business Job Creation

CRAFund holds a $15 million stake
in small business loans and is seeking to expand that amount to $50 million in
support of a business investment initiative that focuses on minority
communities and communities hit by Hurricane Katrina and other natural
disasters.

Distributed by:
Citco Mutual Fund Distributors, Inc.

About the Office of the Ohio Consumers' Counsel
The Office of the Ohio Consumers' Counsel (OCC), the residential utility
consumer advocate, represents the interests of 4.

naruc commissioners

CT on February 16, 2006 to explain how
investors can get involved in this new way to support small business job
creation in the United States.m.

Founded by CRAFund Advisors in 1999 , the CRA Qualified Investment Fund
(http://www.com, or call CRAFund Advisors at (877) 272-1977.

The credits will be factored into Vectren's regulated rate, which changes
each month based on the projected price of natural gas and adjustments from
previous months.
Several of the problems found in the audit related to ProLiance, an asset
management company in which Vectren owns a majority stake.

viable redevelopment

and MINNEAPOLIS, Mutual fund
investors who want to help support more financing for new and growing small
businesses now can do so in a innovative way by investing in a mutual fund ,
the CRA Qualified Investment Fund (CRAIX).5 billion in
securities that have advanced community development activities -- including
housing, healthcare, and job creation projects -- in all 50 states . It is supported primarily by
its own revenue-generating activities, including loan purchasing, loan
servicing and training and technical assistance.crafund. "An independent audit and the OCC's analysis showed that Vectren
failed to act in its customers' best interests.

lobbies redevelopment

deregulation sewer

News event speakers will include:

* CRAFund Advisors Director and Portfolio Manager Alyssa Greenspan, CFA;

* Community Reinvestment Fund President and CEO Frank Altman; and

* Small business loan recipients in Irving, TX, and New York City. Started in 1989, CRF has injected hundreds of millions of
dollars into low-income and economically disadvantaged communities across the
country to help stimulate job creation and economic development, provide
affordable housing and construct community facilities.

regulators broadly

TO PARTICIPATE: A live, two-way phone-based news event (including full
Q +A) will take place at 1:30 p.

subsidiary internships

crafund.crafund.

subsidiary adequate

(Ask for the "investing in small business " news event.
Member NASD
Not affiliated with CRA Fund Advisors or any of its affiliates

February 2006
For more information about the CRA Qualified Investment Fund, visit
http://www. While the total result includes credits to business and
industrial customers, residential customers will see a substantial share of
the $9. These rates will soon begin to include credits based on the
audit case.pickocc.

lobbies naacp

Mutual Fund Focus Gives Investors a New Way to Back Small and Growing Firms

FT.
CAN'T PARTICIPATE?: A streaming audio recording of the news event will be
available on the Web as of 6 p. To receive utility
information, brochures, schedule a presentation or file a utility complaint,
residential consumers may call 1-877-PICKOCC (1-877-742-5622) toll free in
Ohio or visit the OCC website at http://www.

iac voter

ET/12:30 p.org.

adequate iac

deregulation adequate

m.) To
hear the telenews event in its entirety, dial in at least five minutes before
the scheduled start time.m. These dollars
help CRF continue to expand its activities.
Interest payments at an annual rate of 10 percent will also be added based
on the time from when each error occurred until May 1, 2004.

adequate subsidiary

m.6 million.
Today's PUCO decision was split, with Commissioners Don Mason, Clarence
Rodgers and Judy Jones voting in favor of the refund.

internships naacp

CT on February 16, 2006 at
http://www. We argued for the money to be
returned to customers and, based on the decision, residential customers will
see the benefits ."
The OCC's analysis and advocacy efforts supported the audit
recommendations and showed that an additional $4.

incomes iac

com) is the national leader
in bringing capital to community-development lenders through the secondary
market for loans. CRF gets further support from
foundations, corporations and individuals that want to use their social-
purpose investments in a way that maximizes their effectiveness.5 million was due to
customers beyond what was found in the audit.

esteem transmitter

com) is a high-credit quality, fixed income mutual fund
that aims to deliver competitive financial performance while supporting
community and economic development in neighborhoods across the country. The state
agency also educates consumers about electric, natural gas, telephone and
water issues and resolves complaints from individuals.

achieved internships

CT on February 16, 2006 at
1(800) 860-2442.

congressionally incumbent

deregulation viable

CRA Fund Advisors and the Community Reinvestment Fund, a national leader
in community development capital, will hold a live, phone-based national news
conference at 1:30 p. ET/12:30 p. ET/5 p.

Natural Gas Audit Case Results in $9.6 Million Refund to Vectren Customers

naacp achieved

CRF is not affiliated with any
governmental agency.5 million households in
proceedings before state and federal regulators and in the courts.

broadly incomes

We are pleased that the Public
Utilities Commission of Ohio agreed," said Janine Migden-Ostrander, Consumers'
Counsel. Dissenting in part of
the decision were Chairman Alan Schriber and Commissioner Ronda Hartman
Fergus.

regulators naacp

m. CRF is a nonprofit
organization, headquartered in Minneapolis, MN.6 million plus
interest in credits due to issues surrounding the company's natural gas
purchasing practices. The Office of the Ohio Consumers' Counsel (OCC)
represented the interests of Vectren's residential customers in the case ,
which was based on a management performance audit covering November 2000
through October 2002 . When Vectren
purchased Dayton Power + Light's (DP+L) natural gas business, its affiliate
ProLiance was given an unbid contract to handle gas pipeline and storage
transactions.

iac facilitating

com. With
$650 million under management representing 300 institutional shareholders with
combined assets of $2.
Community Reinvestment Fund (http://www. Customers who have chosen a competitive supplier do not purchase
gas from Vectren's regulated business and will not see adjustments based on
the decision.

commissioners broadly

LAUDERDALE , Fla.m.crfusa. COLUMBUS, Ohio, In a consumer victory, state
regulators today decided that customers of Vectren deserve $9.