[Code of Federal Regulations]
[Title 31, Volume 2]
[Revised as of July 1, 2002]
From the U.S. Government Printing Office via GPO Access
[CITE: 31CFR356.36]

[Page 369-391]
 
                  TITLE 31--MONEY AND FINANCE: TREASURY
 
         CHAPTER II--FISCAL SERVICE, DEPARTMENT OF THE TREASURY
 
PART 356--SALE AND ISSUE OF MARKETABLE BOOK-ENTRY TREASURY BILLS, NOTES, AND BONDS (DEPARTMENT OF THE TREASURY CIRCULAR, PUBLIC DEBT SERIES NO. 1-93)--Table of Contents
 
                   Subpart D--Miscellaneous Provisions
 
Sec. 356.36  Paperwork Reduction Act approval.

    The collections of information contained in Secs. 356.11, 356.12, 
356.13, 356.14, and 356.15 and in appendix A of this part have been 
approved by the Office of Management and Budget under control number 
1535-0112.

[61 FR 37011, July 16, 1996]

               Appendix A to Part 356--Bidder Definitions

    For the purpose of this part, the definitions set forth in this 
appendix describe all of the categories of bidders eligible to bid in 
Treasury auctions. These definitions are to be used by persons and 
entities in determining whether they are considered one bidder or more 
than one bidder for the purpose of bidding in auctions and for the 
purpose of complying with the requirements of this part. Notwithstanding 
these definitions, any persons or entities that intentionally act 
together with respect to bidding in a Treasury auction are considered, 
collectively, to be one bidder.
    The following definitions will be used by the Department in applying 
competitive and noncompetitive award limitations and related 
requirements, as described in this part.
    (a) Corporation--A corporation and all affiliates, whether persons, 
partnerships, or other entities, hereinafter referred to as a corporate 
structure, are considered, collectively, to be one bidder.
    An affiliate is any: entity that is more than 50% owned, directly or 
indirectly, by the corporation; entity that is more than 50% owned, 
directly or indirectly, by any other affiliate of the corporation; 
person or entity that owns, directly or indirectly, more than 50% of the 
corporation; person or entity that owns, directly or indirectly, more 
than 50% of any other affiliate of the corporation; or entity, a 
majority of whose board of directors or a majority of whose general 
partners are directors or officers of the corporation or of any 
affiliate of the corporation.
    For the purpose of this part, a business trust, such as a 
Massachusetts business trust or a Delaware business trust, is considered 
to be a corporation.
    Under certain circumstances, one or more major organizational 
components (e.g., the parent or a subsidiary) in a corporate structure, 
either separately or together with one or more other organizational 
components in the corporate structure, may be recognized as a bidder 
separate from the larger corporate structure. All of the following 
criteria must be met for such component or components to qualify for 
recognition as a separate bidder:
    (1) Such component or components must be prohibited by law or 
regulation from exchanging, or must have established written internal 
procedures (i.e., Chinese walls) designed to prevent the exchange of, 
information related to bidding in Treasury auctions with any other 
component in the corporate structure;
    (2) Such component or components must not be created for the purpose 
of circumventing the Department's bidding and award limitations;
    (3) Decisions related to purchasing Treasury securities at auction 
and participation in specific auctions must be made by employees of such 
component or components. Employees of such component or components that 
make decisions to purchase or dispose of Treasury securities must not 
perform the same function for other components within the corporate 
structure; and
    (4) The records of such component or components related to the 
bidding for, acquisition of, and disposition of Treasury securities must 
be maintained by such component or components. Those records must be 
identifiable--separate and apart from similar records for other 
components within the corporate structure.
    To obtain recognition as a separate bidder, each component or group 
of components must request such recognition from the Department, provide 
a description of the component or group and its position within the 
corporate structure, and provide the following certification:

    [Name of the bidder] hereby certifies that to the best of its 
knowledge and belief it meets the criteria for a separate bidder as 
described in appendix A to 31 CFR part 356. The above-named bidder also 
certifies that it has established written policies or procedures, 
including ongoing compliance monitoring processes, that are designed to 
prevent the component or group of components from:
    (1) Exchanging any of the following information with any other part 
of the corporate structure: (a) Yields or rates at which it plans to 
bid; (b) amounts of securities for which it plans to bid; (c) positions 
that it holds or plans to acquire in a security being auctioned; and (d) 
investment strategies that it plans to follow regarding the security 
being auctioned, or
    (2) In any way intentionally acting together with any other part of 
the corporate structure with respect to formulating or entering bids in 
a Treasury auction.
    The above-named bidder agrees that it will promptly notify the 
Department in writing when any of the information provided to obtain 
separate bidder status changes or when this certification is no longer 
valid.

    (b) Partnership--A partnership for which the Internal Revenue 
Service has assigned a

[[Page 370]]

tax-identification number; general partners acting on behalf of the 
partnership; and all affiliates, whether persons, corporations, or other 
entities; hereinafter referred to as a partnership structure, are 
considered, collectively, to be one bidder. A partnership structure that 
contains one or more corporations is considered one bidder under either 
this ``partnership'' category or the ``corporation'' category, but not 
both.
    An affiliate is any: Entity that is more than 50% owned, directly or 
indirectly, by the partnership; entity that is more than 50% owned, 
directly or indirectly, by any other affiliate of the partnership; 
person or entity that owns, directly or indirectly, more than 50% of the 
partnership; person or entity that owns, directly or indirectly, more 
than 50% of any other affiliate of the partnership; or entity, a 
majority of whose general partners or a majority of whose board of 
directors are general partners or directors of the partnership or of any 
affiliate of the partnership.
    Under certain circumstances, one or more major organizational 
components (e.g., the partnership or a subsidiary) in a partnership 
structure, either separately or together with one or more other 
organizational components in the partnership structure, may be 
recognized as a bidder separate from the larger partnership structure. 
All of the following criteria must be met for such component or 
components to qualify for recognition as a separate bidder:
    (1) Such component or components must be prohibited by law or 
regulation from exchanging, or must have established written internal 
procedures (i.e., Chinese walls) designed to prevent the exchange of, 
information related to bidding in Treasury auctions with any other 
component in the partnership structure;
    (2) Such component or components must not be created for the purpose 
of circumventing the Department's bidding and award limitations;
    (3) Decisions related to purchasing Treasury securities at auction 
and participation in specific auctions must be made by employees of such 
component or components. Employees of such component or components that 
make decisions to purchase or dispose of Treasury securities must not 
perform the same function for other components within the partnership 
structure; and
    (4) The records of such component or components related to the 
bidding for, acquisition of, and disposition of Treasury securities must 
be maintained by such component or components. Those records must be 
identifiable--separate and apart from similar records for other 
components within the partnership structure.
    To obtain recognition as a separate bidder, each component or group 
of components must request such recognition from the Department, provide 
a description of the component or group and its position within the 
partnership structure, and provide the following certification:

    [Name of the bidder] hereby certifies that to the best of its 
knowledge and belief it meets the criteria for a separate bidder as 
described in appendix A to 31 CFR part 356. The above-named bidder also 
certifies that it has established written policies or procedures, 
including ongoing compliance monitoring processes, that are designed to 
prevent the component or group of components from:
    (1) Exchanging any of the following information with any other part 
of the partnership structure: (a) Yields or rates at which it plans to 
bid; (b) amounts of securities for which it plans to bid; (c) positions 
that it holds or plans to acquire in a security being auctioned; and (d) 
investment strategies that it plans to follow regarding the security 
being auctioned, or
    (2) In any way intentionally acting together with any other part of 
the partnership structure with respect to formulating or entering bids 
in a Treasury auction.
    The above-named bidder agrees that it will promptly notify the 
Department in writing when any of the information provided to obtain 
separate bidder status changes or when this certification is no longer 
valid.

    (c) Government-related entity--(1) The government of each of the 50 
states and of the District of Columbia is considered to be one bidder.
    (2) A unit of local government, including any county, city, 
municipality, or township, or other unit of general government, as 
defined by the Bureau of the Census for statistical purposes, is 
considered to be one bidder.
    (3) The government of a commonwealth, territory, or possession of 
the United States is considered to be one bidder.
    (4) A governmental entity, body, or corporation established under 
Federal, State, or local law is considered to be one bidder.
    (5) A foreign central bank, the government of a foreign state, or an 
international organization in which the United States holds membership 
is considered to be one bidder.
    An investment, reserve, or other fund of one of the above 
government-related entities, not otherwise meeting the definition of the 
``trust or other fiduciary estate'' category, is considered part of that 
entity and not a separate bidder unless applicable law requires that the 
investments of such fund be made separately.
    (d) Trust or other fiduciary estate-- A legal entity created under a 
valid trust instrument, court order, or other legal authority that 
designates a trustee or fiduciary to act for the benefit of a named 
beneficiary may be considered a bidder. To be considered a bidder, such 
legal entity must be able to be

[[Page 371]]

identified by the name or title of the trustee or fiduciary; specific 
reference to the trust instrument, court order, or legal authority under 
which the trustee or fiduciary is acting; and the unique IRS-assigned 
employer identification number (not social security number) for the 
entity. Further, it must be the trustee or fiduciary who makes the 
decisions related to participation in auctions on behalf of the trust or 
fiduciary estate.
    (e) Individual-- A person, whether acting in his or her individual 
capacity, as a sole proprietor, for any entity not otherwise defined as 
a bidder, or in more than one such capacity, is considered to be one 
bidder. When a person meets the definition of an affiliate within a 
corporate or partnership structure as defined above, such person may 
only be considered a bidder in this ``individual'' category when the 
bidder of which they are a part is not bidding in the same auction. A 
person acting in an official capacity as an employee or other 
representative of a bidder defined in any other category is not 
considered an ``individual'' bidder when acting in such capacity. A 
person, his or her spouse, and any children under the age of 21 having a 
common household are considered, collectively, to be one ``individual'' 
bidder.
    (f) Other bidder-- A bidder defined by any of the above categories 
is not considered a bidder in this category. A bidder not defined by any 
of the above categories may possibly be considered a bidder in this 
category. For purposes of this definition, ``other bidder'' means an 
institution or organization with a unique IRS-assigned employer 
identification number. This definition of other bidder includes such 
entities as an association, church, university, union, or club. This 
category does not include any person or entity acting in a fiduciary or 
investment management capacity, a sole proprietorship, an investment 
account, an investment fund, a form of registration, or investment 
ownership designation.
    Notwithstanding the definitions in this appendix, it is the intent 
of the Department that no auction participant receive a larger auction 
award by acquiring securities through others than it could have received 
had it been considered a bidder under these definitions.

[58 FR 414, Jan. 5, 1993, as amended at 61 FR 37011, July 16, 1996]

               Appendix B to Part 356--Formulas and Tables

    I. Computation of Interest on Treasury Bonds and Notes.
    II. Formulas for Conversion of Fixed-Principal Security Yields to 
Equivalent Prices.
    III. Formulas for Conversion of Inflation-Indexed Security Yields to 
Equivalent Prices.
    IV. Computation of Adjusted Values and Payment Amounts for Stripped 
Inflation-Indexed Interest Components.
    V. Computation of Purchase Price, Discount Rate, and Investment Rate 
(Coupon-Equivalent Yield) for Treasury Bills.
    The numbers in this appendix are examples given for illustrative 
purposes only and are in no way a prediction of interest rates on any 
bills, notes, or bonds issued under this part.
    In some of the following examples, intermediate rounding is used to 
allow the reader to follow the calculations. In actual practice, the 
Department generally does not round prior to determining the final 
result.

         I. Computation of Interest on Treasury Bonds and Notes

                 A. Treasury Fixed-Principal Securities

                   1. Regular Half-Year Payment Period

    Interest on marketable fixed-principal securities is payable on a 
semiannual basis. The regular interest payment period is a full half-
year of six calendar months. Examples of half-year periods are: (1) 
February 15 to August 15, (2) May 31 to November 30, and (3) February 29 
to August 31 (in a leap year). Calculation of an interest payment for a 
fixed-principal security with a par amount of $1,000 and an interest 
rate of 8% is made in this manner:
    ($1,000 x .08)/2 = $40. Specifically, a semiannual interest payment 
represents one-half of one year's interest, and is computed on this 
basis regardless of the actual number of days in the half-year.

                        2. Daily Interest Decimal

    In cases where an interest payment period for a fixed-principal 
security is shorter or longer than six months or where accrued interest 
is payable by an investor, a daily interest decimal, based on the actual 
number of days in the half-year or half-years involved, must be 
computed. The number of days in any half-year period is shown in Table 
1.

[[Page 372]]



                                                     Table 1
----------------------------------------------------------------------------------------------------------------
                                      Beginning and ending days are 1st or    Beginning and ending days are the
                                         15th of the months listed under    last days of the months listed under
           Interest period              interest period (number of days)      interest period (number of days)
                                     ---------------------------------------------------------------------------
                                         Regular year        Leap year         Regular year        Leap year
----------------------------------------------------------------------------------------------------------------
January to July.....................                181                182                181                182
February to August..................                181                182                184                184
March to September..................                184                184                183                183
April to October....................                183                183                184                184
May to November.....................                184                184                183                183
June to December....................                183                183                184                184
July to January.....................                184                184                184                184
August to February..................                184                184                181                182
September to March..................                181                182                182                183
October to April....................                182                183                181                182
November to May.....................                181                182                182                183
December to June....................                182                183                181                182
----------------------------------------------------------------------------------------------------------------
Table 2 below sets forth the daily interest decimals covering interest from \1/8\% to 20% on $1,000 for one day
  in increments of \1/8\ of one percent. These decimals represent \1/181\, \1/182\, \1/183\, or \1/184\ of a
  full semiannual interest payment, depending on which half-year is applicable.


  Table 2--Decimal for One Day's Interest on $1,000 at Various Rates of Interest, Payable Semiannually or on a
Semiannual Basis, in Regular Years of 365 Days and in Years of 366 Days (To Determine Applicable Number of Days,
                                                  See Table 1)
----------------------------------------------------------------------------------------------------------------
                                                   Half-year of    Half-year of    Half-year of    Half-year of
            Rate per annum (percent)                 184 days        183 days        182 days        181 days
----------------------------------------------------------------------------------------------------------------
\1/8\...........................................     0.003396739     0.003415301     0.003434066     0.003453039
\1/4\...........................................     0.006793478     0.006830601     0.006868132     0.006906077
\3/8\...........................................     0.010190217     0.010245902     0.010302198     0.010359116
\1/2\...........................................     0.013586957     0.013661202     0.013736264     0.013812155
\5/8\...........................................     0.016983696     0.017076503     0.017170330     0.017265193
\3/4\...........................................     0.020380435     0.020491803     0.020604396     0.020718232
\7/8\...........................................     0.023777174     0.023907104     0.024038462     0.024171271
1...............................................     0.027173913     0.027322404     0.027472527     0.027624309
1\1/8\..........................................     0.030570652     0.030737705     0.030906593     0.031077348
1\1/4\..........................................     0.033967391     0.034153005     0.034340659     0.034530387
1\3/8\..........................................     0.037364130     0.037568306     0.037774725     0.037983425
1\1/2\..........................................     0.040760870     0.040983607     0.041208791     0.041436464
1\5/8\..........................................     0.044157609     0.044398907     0.044642857     0.044889503
1\3/4\..........................................     0.047554348     0.047814208     0.048076923     0.048342541
1\7/8\..........................................     0.050951087     0.051229508     0.051510989     0.051795580
2...............................................     0.054347826     0.054644809     0.054945055     0.055248619
2\1/8\..........................................     0.057744565     0.058060109     0.058379121     0.058701657
2\1/4\..........................................     0.061141304     0.061475410     0.061813187     0.062154696
2\3/8\..........................................     0.064538043     0.064890710     0.065247253     0.065607735
2\1/2\..........................................     0.067934783     0.068306011     0.068681319     0.069060773
2\5/8\..........................................     0.071331522     0.071721311     0.072115385     0.072513812
2\3/4\..........................................     0.074728261     0.075136612     0.075549451     0.075966851
2\7/8\..........................................     0.078125000     0.078551913     0.078983516     0.079419890
3...............................................     0.081521739     0.081967213     0.082417582     0.082872928
3\1/8\..........................................     0.084918478     0.085382514     0.085851648     0.086325967
3\1/4\..........................................     0.088315217     0.088797814     0.089285714     0.089779006
3\3/8\..........................................     0.091711957     0.092213115     0.092719780     0.093232044
3\1/2\..........................................     0.095108696     0.095628415     0.096153846     0.096685083
3\5/8\..........................................     0.098505435     0.099043716     0.099587912     0.100138122
3\3/4\..........................................     0.101902174     0.102459016     0.103021978     0.103591160
3\7/8\..........................................     0.105298913     0.105874317     0.106456044     0.107044199
4...............................................     0.108695652     0.109289617     0.109890110     0.110497238
4\1/8\..........................................     0.112092391     0.112704918     0.113324176     0.113950276
4\1/4\..........................................     0.115489130     0.116120219     0.116758242     0.117403315
4\3/8\..........................................     0.118885870     0.119535519     0.120192308     0.120856354
4\1/2\..........................................     0.122282609     0.122950820     0.123626374     0.124309392
4\5/8\..........................................     0.125679348     0.126366120     0.127060440     0.127762431
4\3/4\..........................................     0.129076087     0.129781421     0.130494505     0.131215470
4\7/8\..........................................     0.132472826     0.133196721     0.133928571     0.134668508
5...............................................     0.135869565     0.136612022     0.137362637     0.138121547
5\1/8\..........................................     0.139266304     0.140027322     0.140796703     0.141574586
5\1/4\..........................................     0.142663043     0.143442623     0.144230769     0.145027624
5\3/8\..........................................     0.146059783     0.146857923     0.147664835     0.148480663
5\1/2\..........................................     0.149456522     0.150273224     0.151098901     0.151933702
5\5/8\..........................................     0.152853261     0.153688525     0.154532967     0.155386740

[[Page 373]]


5\3/4\..........................................     0.156250000     0.157103825     0.157967033     0.158839779
5\7/8\..........................................     0.159646739     0.160519126     0.161401099     0.162292818
6...............................................     0.163043478     0.163934426     0.164835165     0.165745856
6\1/8\..........................................     0.166440217     0.167349727     0.168269231     0.169198895
6\1/4\..........................................     0.169836957     0.170765027     0.171703297     0.172651934
6\3/8\..........................................     0.173233696     0.174180328     0.175137363     0.176104972
6\1/2\..........................................     0.176630435     0.177595628     0.178571429     0.179558011
6\5/8\..........................................     0.180027174     0.181010929     0.182005495     0.183011050
6\3/4\..........................................     0.183423913     0.184426230     0.185439560     0.186464088
6\7/8\..........................................     0.186820652     0.187841530     0.188873626     0.189917127
7...............................................     0.190217391     0.191256831     0.192307692     0.193370166
7\1/8\..........................................     0.193614130     0.194672131     0.195741758     0.196823204
7\1/4\..........................................     0.197010870     0.198087432     0.199175824     0.200276243
7\3/8\..........................................     0.200407609     0.201502732     0.202609890     0.203729282
7\1/2\..........................................     0.203804348     0.204918033     0.206043956     0.207182320
7\5/8\..........................................     0.207201087     0.208333333     0.209478022     0.210635359
7\3/4\..........................................     0.210597826     0.211748634     0.212912088     0.214088398
7\7/8\..........................................     0.213994565     0.215163934     0.216346154     0.217541436
8...............................................     0.217391304     0.218579235     0.219780220     0.220994475
8\1/8\..........................................     0.220788043     0.221994536     0.223214286     0.224447514
8\1/4\..........................................     0.224184783     0.225409836     0.226648352     0.227900552
8\3/8\..........................................     0.227581522     0.228825137     0.230082418     0.231353591
8\1/2\..........................................     0.230978261     0.232240437     0.233516484     0.234806630
8\5/8\..........................................     0.234375000     0.235655738     0.236950549     0.238259669
8\3/4\..........................................     0.237771739     0.239071038     0.240384615     0.241712707
8\7/8\..........................................     0.241168478     0.242486339     0.243818681     0.245165746
9...............................................     0.244565217     0.245901639     0.247252747     0.248618785
9\1/8\..........................................     0.247961957     0.249316940     0.250686813     0.252071823
9\1/4\..........................................     0.251358696     0.252732240     0.254120879     0.255524862
9\3/8\..........................................     0.254755435     0.256147541     0.257554945     0.258977901
9\1/2\..........................................     0.258152174     0.259562842     0.260989011     0.262430939
9\5/8\..........................................     0.261548913     0.262978142     0.264423077     0.265883978
9\3/4\..........................................     0.264945652     0.266393443     0.267857143     0.269337017
9\7/8\..........................................     0.268342391     0.269808743     0.271291209     0.272790055
10..............................................     0.271739130     0.273224044     0.274725275     0.276243094
10\1/8\.........................................     0.275135870     0.276639344     0.278159341     0.279696133
10\1/4\.........................................     0.278532609     0.280054645     0.281593407     0.283149171
10\3/8\.........................................     0.281929348     0.283469945     0.285027473     0.286602210
10\1/2\.........................................     0.285326087     0.286885246     0.288461538     0.290055249
10\5/8\.........................................     0.288722826     0.290300546     0.291895604     0.293508287
10\3/4\.........................................     0.292119565     0.293715847     0.295329670     0.296961326
10\7/8\.........................................     0.295516304     0.297131148     0.298763736     0.300414365
11..............................................     0.298913043     0.300546448     0.302197802     0.303867403
11\1/8\.........................................     0.302309783     0.303961749     0.305631868     0.307320442
11\1/4\.........................................     0.305706522     0.307377049     0.309065934     0.310773481
11\3/8\.........................................     0.309103261     0.310792350     0.312500000     0.314226519
11\1/2\.........................................     0.312500000     0.314207650     0.315934066     0.317679558
11\5/8\.........................................     0.315896739     0.317622951     0.319368132     0.321132597
11\3/4\.........................................     0.319293478     0.321038251     0.322802198     0.324585635
11\7/8\.........................................     0.322690217     0.324453552     0.326236264     0.328038674
12..............................................     0.326086957     0.327868852     0.329670330     0.331491713
12\1/8\.........................................     0.329483696     0.331284153     0.333104396     0.334944751
12\1/4\.........................................     0.332880435     0.334699454     0.336538462     0.338397790
12\3/8\.........................................     0.336277174     0.338114754     0.339972527     0.341850829
12\1/2\.........................................     0.339673913     0.341530055     0.343406593     0.345303867
12\5/8\.........................................     0.343070652     0.344945355     0.346840659     0.348756906
12\3/4\.........................................     0.346467391     0.348360656     0.350274725     0.352209945
12\7/8\.........................................     0.349864130     0.351775956     0.353708791     0.355662983
13..............................................     0.353260870     0.355191257     0.357142857     0.359116022
13\1/8\.........................................     0.356657609     0.358606557     0.360576923     0.362569061
13\1/4\.........................................     0.360054348     0.362021858     0.364010989     0.366022099
13\3/8\.........................................     0.363451087     0.365437158     0.367445055     0.369475138
13\1/2\.........................................     0.366847826     0.368852459     0.370879121     0.372928177
13\5/8\.........................................     0.370244565     0.372267760     0.374313187     0.376381215
13\3/4\.........................................     0.373641304     0.375683060     0.377747253     0.379834254
13\7/8\.........................................     0.377038043     0.379098361     0.381181319     0.383287293
14..............................................     0.380434783     0.382513661     0.384615385     0.386740331
14\1/8\.........................................     0.383831522     0.385928962     0.388049451     0.390193370
14\1/4\.........................................     0.387228261     0.389344262     0.391483516     0.393646409

[[Page 374]]


14\3/8\.........................................     0.390625000     0.392759563     0.394917582     0.397099448
14\1/2\.........................................     0.394021739     0.396174863     0.398351648     0.400552486
14\5/8\.........................................     0.397418478     0.399590164     0.401785714     0.404005525
14\3/4\.........................................     0.400815217     0.403005464     0.405219780     0.407458564
14\7/8\.........................................     0.404211957     0.406420765     0.408653846     0.410911602
15..............................................     0.407608696     0.409836066     0.412087912     0.414364641
15\1/8\.........................................     0.411005435     0.413251366     0.415521978     0.417817680
15\1/4\.........................................     0.414402174     0.416666667     0.418956044     0.421270718
15\3/8\.........................................     0.417798913     0.420081967     0.422390110     0.424723757
15\1/2\.........................................     0.421195652     0.423497268     0.425824176     0.428176796
15\5/8\.........................................     0.424592391     0.426912568     0.429258242     0.431629834
15\3/4\.........................................     0.427989130     0.430327869     0.432692308     0.435082873
15\7/8\.........................................     0.431385870     0.433743169     0.436126374     0.438535912
16..............................................     0.434782609     0.437158470     0.439560440     0.441988950
16\1/8\.........................................     0.438179348     0.440573770     0.442994505     0.445441989
16\1/4\.........................................     0.441576087     0.443989071     0.446428571     0.448895028
16\3/8\.........................................     0.444972826     0.447404372     0.449862637     0.452348066
16\1/2\.........................................     0.448369565     0.450819672     0.453296703     0.455801105
16\5/8\.........................................     0.451766304     0.454234973     0.456730769     0.459254144
16\3/4\.........................................     0.455163043     0.457650273     0.460164835     0.462707182
16\7/8\.........................................     0.458559783     0.461065574     0.463598901     0.466160221
17..............................................     0.461956522     0.464480874     0.467032967     0.469613260
17\1/8\.........................................     0.465353261     0.467896175     0.470467033     0.473066298
17\1/4\.........................................     0.468750000     0.471311475     0.473901099     0.476519337
17\3/8\.........................................     0.472146739     0.474726776     0.477335165     0.479972376
17\1/2\.........................................     0.475543478     0.478142077     0.480769231     0.483425414
17\5/8\.........................................     0.478940217     0.481557377     0.484203297     0.486878453
17\3/4\.........................................     0.482336957     0.484972678     0.487637363     0.490331492
17\7/8\.........................................     0.485733696     0.488387978     0.491071429     0.493784530
18..............................................     0.489130435     0.491803279     0.494505495     0.497237569
18\1/8\.........................................     0.492527174     0.495218579     0.497939560     0.500690608
18\1/4\.........................................     0.495923913     0.498633880     0.501373626     0.504143646
18\3/8\.........................................     0.499320652     0.502049180     0.504807692     0.507596685
18\1/2\.........................................     0.502717391     0.505464481     0.508241758     0.511049724
18\5/8\.........................................     0.506114130     0.508879781     0.511675824     0.514502762
18\3/4\.........................................     0.509510870     0.512295082     0.515109890     0.517955801
18\7/8\.........................................     0.512907609     0.515710383     0.518543956     0.521408840
19..............................................     0.516304348     0.519125683     0.521978022     0.524861878
19\1/8\.........................................     0.519701087     0.522540984     0.525412088     0.528314917
19\1/4\.........................................     0.523097826     0.525956284     0.528846154     0.531767956
19\3/8\.........................................     0.526494565     0.529371585     0.532280220     0.535220994
19\1/2\.........................................     0.529891304     0.532786885     0.535714286     0.538674033
19\5/8\.........................................     0.533288043     0.536202186     0.539148352     0.542127072
19\3/4\.........................................     0.536684783     0.539617486     0.542582418     0.545580110
19\7/8\.........................................     0.540081522     0.543032787     0.546016484     0.549033149
20..............................................     0.543478261     0.546448087     0.549450549     0.552486188
----------------------------------------------------------------------------------------------------------------

                      3. Short First Payment Period

    In cases where the first interest payment period for a fixed-
principal security covers less than a full half-year period (a ``short 
coupon''), the daily interest decimal is multiplied by the number of 
days from, but not including, the issue date to, and including, the 
first interest payment date, resulting in the amount of the interest 
payable per $1,000 par amount. In cases where the par amount of 
securities is greater than $1,000, the appropriate multiple should be 
multiplied by the unrounded interest payment amount for $1,000 par 
amount.

    Example. A 2-year fixed-principal note paying 8\3/8\% interest was 
issued on July 2, 1990, with the first interest payment on December 31, 
1990. The number of days in the full half-year period of June 30 to 
December 31, 1990, was 184 (see Table 1). The number of days for which 
interest actually accrued was 182 (not including July 2, but including 
December 31). The daily interest decimal, $0.227581522 (see Table 2, 
line for 8\3/8\%, under the column for half-year of 184 days), was 
multiplied by 182, resulting in a payment of $41.419837004 per $1,000. 
Because the note was issued in a minimum denomination of $5,000, 
$41.419837004 was multiplied by 5, resulting in a payment of 
$207.099185020, or $207.10, for a $5,000 note.

[[Page 375]]

For $20,000 of these notes, $41.419837004 would be multiplied by 20, 
resulting in a payment of $828.39674008 ($828.40).

                      4. Long First Payment Period

    In cases where the first interest payment period for a fixed-
principal security covers more than a full half-year period (a ``long 
coupon''), the daily interest decimal is multiplied by the number of 
days from, but not including, the issue date to, and including, the last 
day of the fractional period that ends one full half-year before the 
interest payment date. That amount is added to the regular interest 
amount for the full half-year ending on the first interest payment date, 
resulting in the amount of interest payable for $1,000 par amount. In 
cases where the par amount of securities is greater than $1,000, the 
appropriate multiple should be applied to the unrounded interest payment 
amount for $1,000 par amount.

    Example. A 5-year 2-month fixed-principal note paying 7\7/8\% 
interest was issued on December 3, 1990, with the first interest payment 
due on August 15, 1991. Interest for the regular half-year portion of 
the payment was computed to be $39.375 per $1,000 par amount. The 
fractional portion of the payment, from December 3 to February 15, fell 
in a 184-day half-year (August 15, 1990, to February 15, 1991). 
Accordingly, the daily interest decimal for 7\7/8\% was $0.213994565. 
This decimal, multiplied by 74 (the number of days from but not 
including December 3, 1990, to and including February 15), resulted in 
interest for the fractional portion of $15.835597810. When added to 
$39.375 (the normal interest payment portion ending on August 15, 1991), 
this produced a first interest payment of $55.210597810, or $55.21 per 
$1,000 par amount. For $7,000 par amount of these notes, $55.210597810 
would be multiplied by 7, resulting in an interest payment of 
$386.474184670 ($386.47).

                B. Treasury Inflation-Indexed Securities

                           1. Indexing Process

    Interest on marketable Treasury inflation-indexed securities is 
payable on a semiannual basis. The inflation-indexed securities are 
issued with a stated rate of interest which remains constant for the 
term of the particular security. Interest payments are based on the 
security's inflation-adjusted principal at the time interest is paid. 
This adjustment is made by multiplying the par amount of the security by 
the applicable Index Ratio.

                             2. Index Ratio

    The numerator of the Index Ratio, the Ref CPIDate, is the 
index number applicable for a specific day, and the denominator of the 
Index Ratio is the Ref CPI applicable for the original issue date. 
However, when the dated date is different from the original issue date, 
the denominator is the Ref CPI applicable for the dated date. The 
formula for calculating the Index Ratio is:
[GRAPHIC] [TIFF OMITTED] TC06JA91.000

                            3. Reference CPI

    The Ref CPI for the first day of any calendar month is the CPI for 
the third preceding calendar month. For example, the Ref CPI applicable 
to April 1 in any year is the CPI for January, which is reported in 
February. The Ref CPI for any other day of a month is determined by a 
linear interpolation between the Ref CPI applicable to the first day of 
the month in which such day falls (in the example, January) and the Ref 
CPI applicable to the first day of the next month (in the example, 
February). For purposes of interpolation, calculations with regard to 
the Ref CPI and the Index Ratio for a specific date will be truncated to 
six decimal places and rounded to five decimal places such that the Ref 
CPI and the Index Ratio for that date will be expressed to five decimal 
places. The formula for the Ref CPI for a specific date is:
[GRAPHIC] [TIFF OMITTED] TC06JA91.001

Where Date = valuation date
D = the number of days in the month in which Date falls
t = the calendar day corresponding to Date
CPIM = CPI reported for the calendar month M by the Bureau of 
          Labor Statistics
Ref CPIM = Ref CPI for the first day of the calendar month in 
which Date falls, e.g., Ref CPIApril 1 is the 
CPIJanuary
Ref CPIM= 1 = Ref CPI for the first day of the calendar month 
          immediately following Date


[[Page 376]]


    For example, the Ref CPI for April 15, 1996 is calculated as 
follows:
[GRAPHIC] [TIFF OMITTED] TC06JA91.002

Where Date = 30, t = 15
Ref CPIApril 1, 1996 = 154.40, the non-seasonally adjusted 
          CPI-U for January 1996.
Ref CPIMay 1, 1996 = 154.90, the non-seasonally adjusted CPI-
          U for February 1996.
    Putting these values in the equation above:
    [GRAPHIC] [TIFF OMITTED] TC06JA91.003
    
    This value truncated to six decimals is 154.633333; rounded to five 
decimals it is 154.63333.
    To calculate the Index Ratio for April 16, 1996, for an inflation-
indexed security issued on April 15, 1996, the Ref 
CPIApril 16, 1996 must first be calculated. Using the same 
values in the equation above except that t=16, the Ref 
CPIApril 16,1996 is 154.65000.
    The Index Ratio for April 16, 1996 is:

Index RatioApril 16, 1996 = 154.65000/154.63333 = 
          1.000107803.
    This value truncated to six decimals is 1.000107; rounded to five 
decimals it is 1.00011.

                         4. Index Contingencies

    If a previously reported CPI is revised, Treasury will continue to 
use the previously reported CPI in calculating the principal value and 
interest payments.
    If the CPI is rebased to a different year, Treasury will continue to 
use the CPI based on the base reference period in effect when the 
security was first issued, as long as that CPI continues to be 
published.
    If, while an inflation-indexed security is outstanding, the 
applicable CPI is: (1) discontinued, (2) in the judgment of the 
Secretary, fundamentally altered in a manner materially adverse to the 
interests of an investor in the security, or (3) in the judgment of the 
Secretary, altered by legislation or Executive Order in a manner 
materially adverse to the interests of an investor in the security, 
Treasury, after consulting with the Bureau of Labor Statistics, or any 
successor agency, will substitute an appropriate alternative index. 
Treasury will then notify the public of the substitute index and how it 
will be applied. Determinations of the Secretary in this regard will be 
final.
    If the CPI for a particular month is not reported by the last day of 
the following month, the Treasury will announce an index number based on 
the last twelve-month change in the CPI available. Any calculations of 
the Treasury's payment obligations on the inflation-indexed security 
that rely on that month's CPI will be based on the index number that the 
Treasury has announced. For example, if the CPI for month M is not 
reported timely, the formula for calculating the index number to be used 
is:
[GRAPHIC] [TIFF OMITTED] TC06JA91.004

    Generalizing for the last reported CPI issued N months prior to 
month M:
[GRAPHIC] [TIFF OMITTED] TC06JA91.005

    If it is necessary to use these formulas to calculate an index 
number, it will be used for all subsequent calculations that rely on 
that month's index number and will not be replaced by the actual CPI 
when it is reported, except for use in the above formulas. When it 
becomes necessary to use the above formulas to derive an index number, 
the last CPI that has been reported will be used to calculate CPI 
numbers for months for which the CPI has not been reported timely.

    5. Computation of Interest for a Regular Half-Year Payment Period

    Interest on marketable Treasury inflation-indexed securities is 
payable on a semiannual basis. The regular interest payment period is a 
full half-year or six calendar months. Examples of half-year periods are 
January 15 to July 15, and April 15 to October 15. An interest payment 
will be a fixed

[[Page 377]]

percentage of the value of the inflation-adjusted principal, in current 
dollars, for the date on which it is paid. Interest payments will be 
calculated by multiplying one-half of the specified annual interest rate 
for the inflation-indexed securities by the inflation-adjusted principal 
for the interest payment date. Specifically, a semiannual interest 
payment is computed on the basis of one-half of one year's interest 
regardless of the actual number of days in the half-year.

    Example. A 10-year inflation-indexed note paying 3% interest was 
issued on July 15, 1996, with the first interest payment on January 15, 
1997. The Ref CPI on July 15, 1996 (Ref CPIIssue Date) was 
120, and the Ref CPI on January 15, 1997 (Ref CPIDate) was 
132. For a par amount of $100,000, the inflation-adjusted principal on 
January 15, 1997, was (132/120) x $100,000, or $110,000. This amount was 
then multiplied by .03/2, or .015, resulting in a payment of $1,650.00.

                           C. Accrued Interest

    Accrued interest will be payable by the purchaser of a Treasury bond 
or note when interest accrues prior to the issue date of the security. 
Because the purchaser receives a full interest payment despite having 
held the security for only a portion of the interest payment period, the 
Department is compensated through the payment of accrued interest at 
settlement.
    For a fixed-principal security, if accrued interest covers a 
fractional portion of a full half-year period, the number of days in the 
full half-year period and the stated interest rate will determine the 
daily interest decimal to be used in computing the accrued interest. The 
decimal is multiplied by the number of days for which interest has 
accrued. If a reopened fixed-principal security has a long first 
interest payment period (a ``long coupon''), and the dated date for the 
reopened issue is less than six full months before the first interest 
payment, the accrued interest will fall into two separate half-year 
periods, and a separate daily interest decimal must be multiplied by the 
respective number of days in each half-year period during which interest 
has accrued. All accrued interest computations are rounded to five 
decimal places for a $1,000 inflation-adjusted principal, using normal 
rounding procedures. Accrued interest for a par amount of securities 
greater than $1,000 is calculated by applying the appropriate multiple 
to accrued interest payable for $1,000 par amount, rounded to five 
decimal places.
    For an inflation-indexed security, accrued interest will be 
calculated as shown in section III, paragraphs A and B of this appendix.

    Examples. (1) Fixed-Principal Securities--(i) Involving One Half-
Year: A bond paying interest at a rate of 8\3/4\%, originally issued on 
August 15, 1990, as a 30-year bond with a first interest payment date of 
February 15, 1991, was reopened as a 29-year 9-month bond on November 
15, 1990. Interest had accrued for 92 days, from August 15 to November 
15. The regular interest period from August 15 to February 15, 1991, 
covered 184 days. Accordingly, the daily interest decimal, $0.237771739, 
multiplied by 92, resulted in accrued interest payable of $21.874999988, 
or $21.87500, for each $1,000 bond purchased. If the bonds have a par 
amount of $150,000, then 150 is multiplied by $21.87500, resulting in an 
amount payable of $3,281.25.
    (ii) Involving Two Half-Years: A 10\3/4\% bond, originally issued on 
July 2, 1985, as a 20-year 1-month bond, with a first interest payment 
date of February 15, 1986, was reopened as a 19-year 10-month bond on 
November 4, 1985. Interest had accrued for 44 days, from July 2 to 
August 15, 1985, during a 181-day half-year (February 15 to August 15); 
and for 81 days, from August 15 to November 4, during a 184-day half-
year (August 15, 1985, to February 15, 1986). Accordingly, $0.296961326 
was multiplied by 44, and $0.292119565 was multiplied by 81, resulting 
in products of $13.066298344 and $23.661684765 which, added together, 
resulted in accrued interest payable of $36.727983109, or $36.72798, for 
each $1,000 bond purchased. If the bonds have a par amount of $11,000, 
then 11 is multiplied by $36.72798, resulting in an amount payable of 
$404.00778 ($404.01).

   II. Formulas for Conversion of Fixed-Principal Security Yields to 
                            Equivalent Prices

                               Definitions

P=price per 100 (dollars), rounded to three places, using normal 
rounding procedures
C=the regular annual interest per $100, payable semiannually, e.g., 
10.125 (the dollar equivalent of a 10\1/8\% interest rate)
i=nominal annual rate of return or yield to maturity, based on 
semiannual interest payments and expressed in decimals, e.g., .0719
n=number of full semiannual periods from the issue date to maturity, 
except that, if the issue date is a coupon frequency date, n will be one 
less than the number of full semiannual periods remaining to maturity. 
Coupon frequency dates are the two semiannual dates based on the 
maturity date of each note or bond issue. For example, a security 
maturing on November 15, 1995, would have coupon frequency dates of May 
15 and November 15.
r=(1) number of days from the issue date to the first interest payment 
(regular or short first payment period), or (2) number of days in 
fractional portion (or ``initial short period'') of long first payment 
period
s=(1) number of days in the full semiannual period ending on the first 
interest payment date (regular or short first payment period), or (2) 
number of days in the full

[[Page 378]]

semiannual period in which the fractional portion of a long first 
payment period falls, ending at the onset of the regular portion of the 
first interest payment
vn=1/[1+(i/2)]n=present value of 1 due at the end 
of n periods
an=(1-vn)/(i/2)=v+v\2\+v\3\+ . . . 
+vn=present value of 1 per period for n periods
A=accrued interest
    A. For fixed-principal securities with a regular first interest 
payment period:

Formula:

P[1+(r/s)(i/2)]=(C/2)(r/s)+(C/2)an+100 vn

Example:

For an 8\3/4\% 30-year bond, issued May 15, 1990, due May 15, 2020, with 
interest payments on November 15 and May 15, solve for the price per 100 
(P) at a yield of 8.84%.

Definitions:

C=8.75
i=.0884
r=184 (May 15 to November 15, 1990)
s=184 (May 15 to November 15, 1990)
n=59 (There are 60 full semiannual periods, but n is reduced by 1 
because the issue date is a coupon frequency date.)
vn=1/[(1+.0884/2)]\59\, or .077940
an=(1-.077940)/.0442, or 20.861086

Resolution:

P[1+(r/s)(i/2)]=(C/2)(r/s)+(C/2)an+100 vn or
P[1+(184/184)(.0884/2)]=(8.75/2)(184/184)+(8.75/
2)(20.861086)+100(.077940)
(1) P[1+.0442]=4.375+91.267251+7.7940
(2) P[1.0442]=103.436251
(3) P=103.436251+1.0442
(4) P=99.057892
(5) P=99.058
    B. For fixed-principal securities with a short first interest 
payment period:

Formula:

P[1+(r/s)(i/2)]=(C/2)(r/s)+(C/2)an+100 vn

Example:

    For an 8\1/2\% 2-year note, issued April 2, 1990, due March 31, 
1992, with interest payments on September 30 and March 31, solve for the 
price per 100 (P) at a yield of 8.59%.

Definitions:

C=8.50
i=.0859
n=3
r=181 (April 2 to September 30, 1990)
s=183 (March 31 to September 30, 1990)
vn=1/[(1+.0859/2)] \3\, or .881474
an=(1-.881474)/.04295, or 2.759627

Resolution:

P[1+(r/s)(i/2)]=(C/2)(r/s)+(C/2)an+100 vn or
P[1+(181/183)(.0859/2)]=(8.50/2)(181/183)+(8.50/
2)(2.759627)+100(.881474)
(1) P[1+.042481]=4.203552+ 11.728415+88.1474
(2) P[1.042481]=104.079367
(3) P=104.079367/1.042481
(4) P=99.838143
(5) P=99.838
    C. For fixed-principal securities with a long first interest payment 
period:

Formula:

P[1+(r/s)(i/2)]=[(C/2)(r/s)]v+(C/2)an+100 vn

Example:

    For an 8\1/2\% 5-year 2-month note, issued March 1, 1990, due May 
15, 1995, with interest payments on November 15 and May 15 (first 
payment on November 15, 1990), solve for the price per 100 (P) at a 
yield of 8.53%.

Definitions:

C=8.50
i=.0853
n=10
r=75 (March 1 to May 15, 1990, which is the fractional portion of the 
first interest payment)
s=181 (November 15, 1989, to May 15, 1990)
v=1/(1+.0853/2), or .959095
vn=1/(1+.0853/2) \10\, or .658589
an=(1-.658589)/.04265, or 8.004947

Resolution:

P[1+(r/s)(i/2)]=[(C/2)(r/s)]v+(C/2)an+100 vn or
P[1+(75/181)(.0853/2)]=[(8.50/2)(75/181)] .959095+(8.50/
2)(8.004947)+100(.658589)
(1) P[1+.017673]=1.689014+ 34.021025+65.8589
(2) P[1.017673]=101.568939
(3) P=101.568939/1.017673
(4) P=99.805084
(5) P=99.805
    D. (1) For fixed-principal securities reopened during a regular 
interest period where the purchase price includes predetermined accrued 
interest.
    (2) For new fixed-principal securities accruing interest from the 
coupon frequency date immediately preceding the issue date, with the 
interest rate established in the auction being used to determine the 
accrued interest payable on the issue date.

Formula:

(P+A)[1+(r/s)(i/2)]=C/2+(C/2)an+100 vn

Where: A=[(s-r)/s](C/2)

Example:

    For a 9\1/2\% 10-year note, interest accruing from November 15, 
1985, issued November 29, 1985, due November 15, 1995, with interest 
payments on May 15 and November 15, solve for the price per 100 (P) at a 
yield of 9.54%. Accrued interest is from November 15 to November 29 (14 
days).

Definitions:

C=9.50
i=.0954
n=19
r=167 (November 29, 1985, to May 15, 1986)
s=181 (November 15, 1985, to May 15, 1986)
vn=1/[(1+.0954/2)]\19\, or .412570400
an=(1-.412570)/.0477, or 12.315094
A=[181-167)/181](9.50/2), or .367403

Resolution:

(P+A)[1+(r/s)(i/2)]=C/2+(C/2)an+100 vn or

[[Page 379]]

(P+.367403)[1+(167/181)(.0954/2)]=(9.50/2)+(9.50/
          2)(12.315094)+100(.412570)
(1) (P+.367403)[1+.044011]= 4.75+58.496697+41.2570
(2) (P+.367403)[1.044011]=104.503697
(3) (P+.367403)=104.503697/1.044011
(4) (P+.367403)=100.098272
(5) P=100.098272-.367403
(6) P=99.730869
(7) P=99.731
    E. For fixed-principal securities reopened during the regular 
portion of a long first payment period:

Formula:

(P+A)[1+(r/s)(i/2)]=(r'/s'')(C/2)+C/2+(C/2)an+100 
          vn
Where:

A=AI'+AI
AI'=(r'/s'')(C/2)
AI=[(s-r)/s](C/2)

and

r=number of days from the reopening date to the first interest payment 
          date
s=number of days in the semiannual period for the regular portion of the 
          first interest payment period
r'=number of days in the fractional portion (or ``initial short 
          period'') of the first interest payment period
s''=number of days in the semiannual period ending with the commencement 
          date of the regular portion of the first interest payment 
          period

Example:
    A 10\3/4\% 19-year 9-month bond due August 15, 2005, is issued on 
July 2, 1985, and reopened on November 4, 1985, with interest payments 
on February 15 and August 15 (first payment on February 15, 1986), solve 
for the price per 100 (P) at a yield of 10.47%. Accrued interest is 
calculated from July 2 to November 4.

Definitions:

C=10.75
i=.1047
n=39
r=103 (November 4, 1985, to February 15, 1986)
s=184 (August 15, 1985, to February 15, 1986)
r'=44 (July 2 to August 15, 1985)
s''=181 (February 15 to August 15, 1985)
vn=1/[(1+.1047/2)]\39\, or .136695
an=(1-.136695)/.05235, or 16.491022
AI'=(44/181)(10.75/2), or 1.306630
AI'=[(184-103)/184](10.75/2), or 2.366168

A=AI'+AI, or 3.672798
Resolution:

(P+A)[1+(r/s)(i/2)]=(r'/s'')(C/2)+C/2+(C/
          2)an+100vn or
(P+3.672798)[1+(103/184)(.1047/2)]=(44/181)(10.75/2)+10.75/2+(10.75 /
          2)(16.491022)+100(.136695)
(1) (P+3.672798)[1+.029305]=1.306630 + 5.375+88.639243+13.6695
(2) (P+3.672798)[1.029305]=108.990373
(3) (P+3.672798)=108.990373/1.029305
(4) (P+3.672798)=105.887344
(5) P=105.887344-3.672798
(6) P=102.214546
(7) P=102.215
    F. For fixed-principal securities reopened during a short first 
payment period:

Formula:

(P+A)[1+(r/s)(i/2)]=(r'/s)(C/2)+(C/2)an +100 vn

Where:

A=[(r'-r)/s](C/2)

and

r'=number of days from the original issue date to the first interest 
          payment date

Example:

    For a 10\1/2\% 8-year note due May 15, 1991, originally issued on 
May 16, 1983, and reopened on August 15, 1983, with interest payments on 
November 15 and May 15 (first payment on November 15, 1983), solve for 
the price per 100 (P) at a yield of 10.53%. Accrued interest is 
calculated from May 16 to August 15.

Definitions:
C=10.50
i=.1053
n=15
r=92 (August 15, 1983, to November 15, 1983)
s=184 (May 15, 1983, to November 15, 1983)
r'=183 (May 16, 1983, to November 15, 1983)
vn=1/[(1+.1053/2)]\15\, or .463170
an=(1-.463170) / .05265, or 10.196201
A=[(183-92) / 184](10.50/2), or 2.596467

Resolution:

(P + A)[1 + (r/s)(i/2)] = (r'/s)(C/2) + (C/2)an + 100 
          vn or
(P + 2.596467)[1 + (92/184)(.1053/2)] = (183/184)(10.50/2) + (10.50/
          2)(10.196201) + 100(.463170)
(1) (P + 2.596467)[1 + .026325] = 5.221467 + 53.530055 + 46.3170
(2) (P+2.596467)[1.026325]=105.068522
(3) (P+2.596467)+105.068522/1.026325
(4) (P+2.596467)=102.373539
(5) P=102.373539-2.596467
(6) P=99.777072
(7) P=99.777
    G. For fixed-principal securities reopened during the fractional 
portion (initial short period) of a long first payment period:

Formula:

(P+A)[1+(r/s)(i/2)]=[(r'/s)(C/2)]v+(C/2)an+100 vn

Where:

A=[(r'-r)/s](C/2)

and

r=number of days from the reopening date to the end of the short period
r'=number of days in the short period
s=number of days in the semiannual period ending with the end of the 
          short period

Example:

    For a 9\3/4\% 6-year 2-month note due December 15, 1994, originally 
issued on October 15,

[[Page 380]]

1988, and reopened on November 15, 1988, with interest payments on June 
15 and December 15 (first payment on June 15, 1989), solve for the price 
per 100 (P) at a yield of 9.79%. Accrued interest is calculated from 
October 15 to November 15.

Definitions:

C=9.75
i=.0979
n=12
r=30 (November 15, 1988, to December 15, 1988)
s=183 (June 15, 1988, to December 15, 1988)
r'=61 (October 15, 1988, to December 15, 1988)
v=1/(1+.0979/2), or .953334
vn=[1/(1+.0979/2)]\12\, or .563563
an=(1-.563563)/.04895, or 8.915975
A=[(61-30)/183](9.75/2), or .825820

Resolution:

(P+A)[1+(r/s)(i/2)]=[(r'/s)(C/2)]v+(C/2)an+100 vn 
          or
(P+.825820)[1+(30/183)(.0979/2)]=[(61/183)(9.75/2)](.953334)+(9.75/
          2)(8.915975)+100(.563563)
(1) (P+.825820)[1+.008025]= 1.549168+43.465378+56.3563
(2) (P+.825820)[1.008025]=101.370846
(3) (P+.825820)=101.370846/1.008025
(4) (P+.825820)=100.563821
(5) P=100.563821-.825820
(6) P=99.738001
(7) P=99.738

  III. Formulas For Conversion of Inflation-Indexed Security Yields To 
                            Equivalent Prices

                               Definitions

P = unadjusted or real price per 100 (dollars)
P adj = inflation adjusted price; P x Index Ratio 
          Date
A = unadjusted accrued interest per $100 original principal
A adj = inflation adjusted accrued interest; A x Index Ratio 
          Date
SA = settlement amount including accrued interest in current dollars per 
          $100 original principal; P adj + A adj
r = days from settlement date to next coupon date
s = days in current semiannual period
i = real yield, expressed in decimals (e.g., 0.0325)
C = real annual coupon, payable semiannually, in terms of real dollars 
          paid on $100 initial, or real, principal of the security
n = number of full semiannual periods from issue date to maturity date, 
          except that, if the issue date is a coupon frequency date, n 
          will be one less than the number of full semiannual periods 
          remaining until maturity. Coupon frequency dates are the two 
          semiannual dates based on the maturity date of each note or 
          bond issue. For example, a security maturing on July 15, 2026 
          would have coupon frequency dates of January 15 and July 15.
v n = 1/(1 + i/2) n = present value of 1 due at 
          the end of n periods
          [GRAPHIC] [TIFF OMITTED] TC06JA91.006
          
Date = valuation date
D = the number of days in the month in which Date falls
t = calendar day corresponding to Date
CPI = Consumer Price Index number
CPIM = CPI reported for the calendar month M by the Bureau of 
          Labor Statistics
Ref CPIM = reference CPI for the first day of the calendar 
          month in which Date falls, e.g., Ref CPIApril1 is 
          the CPIJanuary
Ref CPIM=1 = reference CPI for the first day of the calendar 
          month immediately following Date
Ref CPIDate = Ref CPIM + [(t - 1)/D][Ref 
          CPIM=1 -Ref CPIM]
Index RatioDate = Ref CPIDate/Ref 
          CPIIssueDate

    A. For inflation-indexed securities with a regular first interest 
payment period:

                                Formulas:
[GRAPHIC] [TIFF OMITTED] TC06JA91.007

Padj = P x Index RatioDate
A = [(s - r)/s] x (C/2)
Aadj = A x Index RatioDate
SA = Padj + Aadj
Index RatioDate = Ref CPIDate/Ref 
          CPIIssue Date

    Example. The Treasury issues a 10-year inflation-indexed note on 
July 15, 1996. The note is issued at a discount to yield 3.1% (real). 
The note bears a 3% real coupon, payable on January 15 and July 15 of 
each year. The base CPI index applicable to this note is 120.\1\ 
Calculate the settlement amount.
---------------------------------------------------------------------------

    \1\ This number is normally derived using the interpolative process 
described in appendix B, section I, paragraph B.
---------------------------------------------------------------------------

                              Definitions:

C = 3.00
i = 0.0310

[[Page 381]]

n = 19 (There are 20 full semiannual periods but n is reduced by 1 
          because the issue date is a coupon frequency date.)
r = 184 (July 15, 1996 to January 15, 1997)
s = 184 (July 15, 1996 to January 15, 1997)
Ref CPIDate = 120
Ref CPIIssueDate = 120

                               Resolution:

Index RatioDate = Ref CPIDate/Ref 
          CPIIssue Date = 120/120 = 1
A = [(184 - 184)/184] x 3/2 = 0
Aadj = 0 x 1 = 0
vn = 1/(1 + i/2) n = 1/(1 + .031/2) \19\ = 
          0.74658863
          [GRAPHIC] [TIFF OMITTED] TC06JA91.008
          
          [GRAPHIC] [TIFF OMITTED] TC06JA91.009
          
P = 99.145784
P = 99.146
Padj = P x Index RatioDate
Padj = 99.146 x 1 = 99.146
SA = Padj + Aadj ;
SA = 99.146 + 0 = 99.146
    Note: For the real price (P), Treasury has rounded to three places. 
These amounts are based on 100 par value.
    B. For inflation-indexed securities reopened during a regular 
interest period where the purchase price includes predetermined accrued 
interest:

                                Bidding:

    The dollar amount of each bid is in terms of the par amount. For 
example, if the Ref CPI applicable to the issue date of the note is 120, 
and the reference CPI applicable to the reopening issue date is 132, a 
bid of $10,000 will in effect be a bid of $10,000 x (132/120), or 
$11,000.

                                Formulas:
[GRAPHIC] [TIFF OMITTED] TC06JA91.010

Padj = P x Index RatioDate
A = [(s - r)/s] x (C/2)
Aadj = A x Index RatioDate
SA = Padj + Aadj
Index RatioDate = Ref CPIDate/Ref 
          CPIIssueDate

    Example. A 3% 10-year inflation-indexed note was issued July 15, 
1996, due July 15, 2006, with interest payments on January 15 and July 
15. For a reopening on April 15, 1997, with inflation compensation 
accruing from July 15, 1996 to April 15, 1997, and accrued interest 
accruing from January 15, 1997 to April 15, 1997 (90 days), solve for 
the price per 100 (P) at a real yield, as determined in the reopening 
auction, of 3.40%. The base index applicable to the issue date of this 
note is 120 and the reference CPI applicable to April 15, 1997, is 132.

                              Definitions:

C = 3.00
i = 0.0340
n = 18
r = 91 (April 15, 1997 to July 15, 1997)
s = 181 (January 15, 1997 to July 15, 1997)
Ref CPIDate = 132
Ref CPIIssue Date = 120

[[Page 382]]

                               Resolution:

Index RatioDate = Ref CPIDate/Ref 
          CPIIssue Date = 132/120 = 1.100
vn = 1/(1 + i/2) n = 1/(1 + .0340/2) \18\ = 
          0.73828296
          [GRAPHIC] [TIFF OMITTED] TC06JA91.011
          
          [GRAPHIC] [TIFF OMITTED] TC06JA91.012
          
P = 97.586905 - 0.745856
P = 96.841049
P = 96.841
Padj = P x Index RatioDate
Padj = 96.841 x 1.100 = 106.5251
Padj = 106.525
A = [(181 - 91)/181] x 3/2 = 0.745856
Aadj = A x Index RatioDate
Aadj = 0.745856 x 1.100 = 0.820442
SA = Padj + Aadj = 106.525 + 0.820442
SA = 107.345442
    Note: For the real price (P), and the inflation-adjusted price 
(Padj), Treasury has rounded to three places. For accrued 
interest (A) and adjusted accrued interest (Aadj), Treasury 
has rounded to six places. These amounts are based on 100 par value.

  IV. Computation of Adjusted Values and Payment Amounts for Stripped 
                  Inflation-Indexed Interest Components

    Note: Valuing an interest component stripped from an inflation-
indexed security at its adjusted value enables this interest component 
to be interchangeable (fungible) with other interest components that 
have the same maturity date, regardless of the underlying inflation-
indexed security from which the interest components were stripped. The 
adjusted value provides for fungibility of these various interest 
components when buying, selling, or transferring them, or when 
reconstituting an inflation-indexed security.

                               Definitions

C=the regular annual interest rate, payable semiannually, e.g., .03625 
          (the decimal equivalent of a 3-5/8% interest rate)
Par=par amount of the security to be stripped
Ref CPIIssue Date=reference CPI for the original issue date 
          (or dated date, when the dated date is different from the 
          original issue date) of the underlying (unstripped) security
Ref CPIDate=reference CPI for the maturity date of the 
          interest component
AV=adjusted value of the interest component
PA=payment amount at maturity by Treasury

                                Formulas

AV=Par (C/2)(100/Ref CPIIssue Date) (rounded to 2 decimals 
          with no intermediate rounding)
PA=AV (Ref CPIDate/100) (rounded to 2 decimals with no 
          intermediate rounding)
    Example. A 10-year inflation-indexed note paying 3\1/2\% interest is 
issued on January 15, 1999, with the second interest payment on January 
15, 2000. The Ref CPI on January 15, 1999 (Ref CPIIssue Date) 
is 174.62783, and the Ref CPI on January 15, 2000 (Ref 
CPIDate) is 179.86159. Calculate the adjusted value and the 
payment amount at maturity of the interest component.

                               Definitions

C=.035
Par=$1,000,000
Ref CPIIssue Date=174.62783
Ref CPIDate=179.86159

                               Resolution

    For a par amount of $1 million, the adjusted value of each stripped 
interest component is $1,000,000 (.035/2)(100/174.62783), or $10,021.31 
(no intermediate rounding).
    For an interest component maturing on January 15, 2000, the payment 
amount is

[[Page 383]]

$10,021.31 (179.86159/100), or $18,024.49 (no intermediate rounding).

  V. Computation of Purchase Price, Discount Rate, and Investment Rate 
              (Coupon-Equivalent Yield) for Treasury Bills

    A. Conversion of the discount rate to a purchase price for Treasury 
bills of all maturities:
Formula:
P=100 [(1-dr)/360]

Where:

d=discount rate, in decimals
r=number of days remaining to maturity
P=price per 100 (dollars)

Example:

    For a bill issued November 24, 1989, due February 22, 1990, at a 
discount rate of 7.61%, solve for price per 100 (P).

Definitions:

d=.0761
r=90 (November 24, 1989 to February 22, 1990)

Resolution:

P=100 [(1-dr)/360]
(1) P=100 [1-(.0761)(90)/360]
(2) P=100 (1-.019025)
(3) P=100 (.980975)
(4) P=98.0975
(5) P=98.098
    Note: Purchase prices per $100 are rounded to three decimal places, 
using normal rounding procedures.
    B. Computation of purchase prices and discount amounts based on 
price per $100, for Treasury bills of all maturities:
    1. To determine the purchase price of any bill, divide the par 
amount by 100 and multiply the resulting quotient by the price per $100.

    Example. To compute the purchase price of a $10,000 13-week bill 
sold at a price of $98.098 per $100, divide the par amount ($10,000) by 
100 to obtain the multiple (100). That multiple times 98.098 results in 
a purchase price of $9,809.80.

    2. To determine the discount amount for any bill, subtract the 
purchase price from the par amount of the bill.

    Example. For a $10,000 bill with a purchase price of $9,809.80, the 
discount amount would be $190.20, or $10,000-$9,809.80.
    C. Conversion of prices to discount rates for Treasury bills of all 
maturities:

Formula:
[GRAPHIC] [TIFF OMITTED] TC03NO91.009

Where:

P=price per 100 (dollars)
d=discount rate
r=number of days remaining to maturity

Example:

For a 26-week bill issued December 30, 1982, due June 30, 1983, with a 
price of $95.930, solve for the discount rate (d).

Definitions:

P=95.930
r=182 (December 30, 1982, to June 30, 1983)

Resolution:
[GRAPHIC] [TIFF OMITTED] TC03NO91.010

(2) d=[.0407x1.978022]
(3) d=.080506
(4) d=8.051%
    Note: Prior to April 18, 1983, all bills were sold in price-basis 
auctions, in which discount rates calculated from prices were rounded to 
three places, using normal rounding procedures. Since that time, all 
bills have been sold only on a discount rate basis. For regular Treasury 
bills--13-, 26-, and 52-week bills--discount rates bid were submitted 
with two decimals in increments of .01 percent, e.g., 5.32, until 1997, 
when Treasury instituted a change to three decimal bidding in increments 
of .005 percent, e.g., 5.320 or 5.325.
    D. Calculation of investment rate (coupon-equivalent yield) for 
Treasury bills:
    1. For bills of not more than one half-year to maturity:

Formula:
[GRAPHIC] [TIFF OMITTED] TC03NO91.011

Where:

i=investment rate, in decimals
P=price per 100 (dollars)
r=number of days remaining to maturity
y=number of days in year following the issue date; normally 365 but, if 
          the year following the issue date includes February 29, then y 
          is 366.

Example:

For a cash management bill issued June 1, 1990, due June 21, 1990, with 
a price of $99.559 (computed from a discount rate of 7.93%), solve for 
the investment rate (i).

Definitions:

P=99.559
r=20 (June 1, 1990, to June 21, 1990)
y=365

Resolution:

[[Page 384]]

[GRAPHIC] [TIFF OMITTED] TC03NO91.012

(2) i=[.004430x18.25]
(3) i=.080848
(4) i=8.08%

    2. For bills of more than one half-year to maturity:

Formula: P[1+(r-y/2)(i/y)](1+i/2) = 100

This formula must be solved by using the quadratic equation, which is:

ax\2\+bx+c=0

Therefore, rewriting the bill formula in the quadratic equation form 
gives:
[GRAPHIC] [TIFF OMITTED] TC03NO91.013

and solving for ``i'' produces:
[GRAPHIC] [TIFF OMITTED] TC03NO91.014

Where:

i=investment rate in decimals
b=r/y
a=(r/2y)-.25
c=(P-100)/P
P=price per 100 (dollars)
r=number of days remaining to maturity
y=number of days in year following the issue date; normally 365, but if 
          the year following the issue date includes February 29, then y 
          is 366.

Example:

For a 52-week bill issued June 7, 1990, due June 6, 1991, with a price 
of $92.265 (computed from a discount rate of 7.65%), solve for the 
investment rate (i).

Definitions:

r=364 (June 7, 1990, to June 6, 1991)
y=365
P=92.265
b=364/365, or .997260
a=(364/730)-.25, or .24863
c=(92.265-100)/92.265, or -.083835

Resolution:
[GRAPHIC] [TIFF OMITTED] TC03NO91.015

[GRAPHIC] [TIFF OMITTED] TC03NO91.016

(3)i=(-.997260 + 1.038222)/.497260
(4)i=.040962/.497260
(5)i=.082375 or
(6)i=8.24%

[58 FR 414, Jan. 5, 1993, as amended at 62 FR 854, 855, 864, 866, Jan. 
6, 1997; 62 FR 43094, Aug. 12, 1997; 63 FR 35784, June 30, 1998; 64 FR 
3634, Jan. 25, 1999]

            Appendix C to Part 356--Investment Considerations

                     I. Inflation-Indexed Securities

                  A. Principal and Interest Variability

    An investment in securities with principal or interest determined by 
reference to an inflation index involves factors not associated with an 
investment in a fixed-principal security. Such factors may include, 
without limitation, the possibility that the inflation index may be 
subject to significant changes, that changes in the index may or may not 
correlate to changes in interest rates generally or with changes in 
other indices, that the resulting interest may be greater or less than 
that payable on other securities of

[[Page 385]]

similar maturities, and that, in the event of sustained deflation, the 
amount of the semiannual interest payments, the inflation-adjusted 
principal of the security, and the value of stripped components, will 
decrease. However, if at maturity the inflation-adjusted principal is 
less than a security's par amount, an additional amount will be paid at 
maturity so that the additional amount plus the inflation-adjusted 
principal equals the par amount. Regardless of whether or not such an 
additional amount is paid, interest payments will always be based on the 
inflation-adjusted principal as of the interest payment date. If a 
security has been stripped, any such additional amount will be paid at 
maturity to holders of principal components only. (See Sec. 356.30.)

                   B. Trading in the Secondary Market

    The Treasury securities market is the largest and most liquid 
securities market in the world. While Treasury expects that there will 
be an active secondary market for inflation-indexed securities, that 
market initially may not be as active or liquid as the secondary market 
for Treasury fixed-principal securities. In addition, as a new product, 
inflation-indexed securities may not be as widely traded or as well 
understood as Treasury fixed-principal securities. Lesser liquidity and 
fewer market participants may result in larger spreads between bid and 
asked prices for inflation-indexed securities than the bid-asked spreads 
for fixed-principal securities with the same time to maturity. Larger 
bid-asked spreads normally result in higher transaction costs and/or 
lower overall returns. The liquidity of an inflation-indexed security 
may be enhanced over time as Treasury issues additional amounts or more 
entities participate in the market.

                          C. Tax Considerations

    Treasury inflation-indexed securities and the stripped interest and 
principal components of these securities are subject to specific tax 
rules provided by Treasury regulations issued under sections 1275(d) and 
1286 of the Internal Revenue Code of 1986, as amended.

                           D. Indexing Issues

    While the CPI measures changes in prices for goods and services, 
movements in the CPI that have occurred in the past are not necessarily 
indicative of changes that may occur in the future.
    The calculation of the index ratio incorporates an approximate 
three-month lag, which may have an impact on the trading price of the 
securities, particularly during periods of significant, rapid changes in 
the index.
    The CPI is reported by the Bureau of Labor Statistics, a bureau 
within the Department of Labor. The Bureau of Labor Statistics operates 
independently of the Treasury and, therefore, Treasury has no control 
over the determination, calculation, or publication of the index. For a 
discussion of how the CPI will be applied in various situations, see 
appendix B, section I, paragraph B. In addition, for a discussion of 
actions that Treasury would take in the event the CPI is: discontinued; 
in the judgment of the Secretary, fundamentally altered in a manner 
materially adverse to the interests of an investor in the security; or, 
in the judgment of the Secretary, altered by legislation or Executive 
Order in a manner materially adverse to the interests of an investor in 
the security, see appendix B, section I, paragraph B.4.

[62 FR 873, Jan. 6, 1997]

     Appendix D to Part 356--Description of the Consumer Price Index

    The Consumer Price Index (``CPI'') for purposes of inflation-indexed 
securities is the non-seasonally adjusted U.S. City Average All Items 
Consumer Price Index for All Urban Consumers, published monthly by the 
Bureau of Labor Statistics of the Department of Labor. The CPI is a 
measure of the average change in consumer prices over time in a fixed 
market basket of goods and services, including food, clothing, shelter, 
fuels, transportation, charges for doctors' and dentists' services, and 
drugs.
    In calculating the index, price changes for the various items are 
averaged together with weights that represent their importance in the 
spending of urban households in the United States. The contents of the 
market basket of goods and services and the weights assigned to the 
various items are updated periodically to take into account changes in 
consumer expenditure patterns.
    The CPI is expressed in relative terms in relation to a time base 
reference period for which the level is set at 100. For example, if the 
CPI for the 1982-84 reference period is 100.0, an increase of 16.5 
percent from that period would be shown as 116.5. The CPI for a 
particular month is released and published during the following month. 
From time to time, the CPI is rebased to a more recent base reference 
period. The base reference period for a particular inflation-indexed 
security will be provided on the offering announcement for that 
security.
    Further details about the CPI may be obtained by contacting the 
Bureau of Labor Statistics.

[62 FR 873, Jan. 6, 1997]

[[Page 386]]

Exhibit A to Part 356--Sample Announcements of Treasury Offerings to the 
                                 Public

I. Treasury Quarterly Financing Announcement.
II. Treasury Weekly Bill Announcement.
III. Treasury Cash Management Bill Announcement.
IV. Treasury Inflation-Indexed Note Announcement.

              I. Treasury Quarterly Financing Announcement

For release when authorized at press conference February 5, 20XX
Contact: Office of Financing, 202/XXX-XXXX

                  Treasury February Quarterly Financing

    The Treasury will auction $16,000 million of 5-year notes, $12,000 
million of 10-year notes, and $10,000 million of 30-year bonds to refund 
$26,996 million of publicly-held securities maturing February 15, 20XX, 
and to raise about $11,004 million of new cash.
    In addition to the public holdings, Government accounts and Federal 
Reserve Banks, for their own accounts, hold $1,795 million of the 
maturing securities, which may be refunded by issuing additional amounts 
of the new securities.
    The maturing securities held by the public include $1,654 million 
held by Federal Reserve Banks as agents for foreign and international 
monetary authorities. Amounts bid for these accounts by Federal Reserve 
Banks will be added to the offering.
    All of the auctions being announced today will be conducted in the 
single-price auction format. All competitive and noncompetitive awards 
will be at the highest yield of accepted competitive tenders.
    The 5-year and 10-year notes and the 30-year bond being offered 
today are eligible for the STRIPS program.
    Tenders will be received at Federal Reserve Banks and Branches and 
at the Bureau of the Public Debt, Washington, D.C. This offering of 
Treasury securities is governed by the terms and conditions set forth in 
the Uniform Offering Circular for the Sale and Issue of Marketable Book-
Entry Treasury Bills, Notes, and Bonds (31 CFR Part 356, as amended).
Details about the notes and bond are given in the attached offering 
highlights.

Attachment

                                 Highlights of Treasury Offerings to the Public
                                       [February 20XX Quarterly Financing]
----------------------------------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------------------------------
Offering Amount...............  $16,000 million.  $12,000 million.  $10,000 million.
Description of Offering:
    Term and type of security.  5-year notes....  10-year notes...  30 year bonds.
    Series....................  U-20XX..........  B-20XX..........  Bonds of February 20XX.
    CUSIP number..............  912827XX X......  912827XX X......  912810XX X.
    Auction date..............  February 11,      February 12,      February 13, 20XX.
                                 20XX.             20XX.
    Issue date................  February 18,      February 18,      February 18, 20XX.
                                 20XX.             20XX.
    Dated date................  February 15,      February 15,      February 15, 20XX.
                                 20XX.             20XX.
    Maturity date.............  February 15,      February 15,      February 15, 20XX.
                                 20XX.             20XX.
    Interest rate.............  Determined based  Determined based  Determined based on the highest accepted
                                 on the highest    on the highest    competitive bid.
                                 accepted          accepted
                                 competitive bid.  competitive bid.
      Yield...................  Determined at     Determined at     Determined at auction.
                                 auction.          auction.
    Interest payment dates....  August 15 and     August 15 and     August 15 and February 15.
                                 February 15.      February 15.
    Minimum bid amount and      $1,000..........  $1,000..........  $1,000.
     multiples.
    Accrued interest payable    Determined at     Determined at     Determined at auction.
     by investor.                auction.          auction.
    Premium or discount.......  Determined at     Determined at     Determined at auction.
                                 auction.          auction.
STRIPS Information:
    Minimum amount required...  Determined at     Determined at     Determined at auction.
                                 auction.          auction.
    Corpus CUSIP number.......  912820XX X......  912820XX X......  912803XX X.

[[Page 387]]


    Due dates and CUSIP         Not applicable..  Not applicable..  February 15, 20XX--912833 XX X.
     numbers for additional
     TINTs.
----------------------------------------------------------------------------------------------------------------


The following rules apply to
 all securities mentioned
 above:

Submission of Bids:
    Noncompetitive bids......  Accepted in full up to $5,000,000 at the
                                highest accepted yield.
    Competitive bids.........  (1) Must be expressed as a yield with
                                three decimals in increments of .001%,
                                e.g., 7.123%.
                               (2) Net long position for each bidder
                                must be reported when the sum of the
                                total bid amount, at all yields, and the
                                net long position is $2 billion or
                                greater.
                               (3) Net long position must be determined
                                as of one half-hour prior to the closing
                                time for receipt of competitive tenders.
Maximum Recognized Bid at a    35% of public offering.
 Single Yield.
Maximum Award................  35% of public offering.
Receipt of Tenders:
    Noncompetitive tenders...  Prior to 12:00 noon Eastern Standard time
                                on auction day.
    Competitive tenders......  Prior to 1:00 p.m. Eastern Standard time
                                on auction day.
Payment Terms................  By charge to a funds account at a Federal
                                Reserve Bank on issue date, or payment
                                of full par amount with tender. Treasury
                                Direct customers can use the Pay Direct
                                feature which authorizes a charge to
                                their account of record at their
                                financial institution on issue date.

                  II. Treasury Weekly Bill Announcement

Embargoed Until 2:30 p.m. April 15, 20XX
Contact: Office of Financing, 202/XXX-XXXX

                Treasury Offers 13-Week and 26-Week Bills

    The Treasury will auction two series of Treasury bills totaling 
approximately $16,000 million, to refund $13,469 million of publicly 
held securities maturing November 19, 1998 and to raise about $2,531 
million of new cash.
    In addition to the public holdings, Federal Reserve Banks for their 
own accounts hold $7,442 million of the maturing bills, which may be 
refunded at the highest discount rate of accepted competitive tenders. 
Amounts issued to these accounts will be in addition to the offering 
amount.
    The maturing bills held by the public include $1,991 million held by 
Federal Reserve Banks as agents for foreign and international monetary 
authorities, which may be refunded within the offering amount at the 
highest discount rate of accepted competitive tenders. Additional 
amounts may be issued for such accounts if the aggregate amount of new 
bids exceeds the aggregate amount of maturing bills.
    The 13- and 26-week bill auctions will be conducted in the single-
price auction format.
    Tenders for the bills will be received at Federal Reserve Banks and 
Branches and at the Bureau of the Public Debt, Washington, D.C. This 
offering of Treasury securities is governed by the terms and conditions 
set forth in the Uniform Offering Circular for the Sale and Issue of 
Marketable Book-Entry Treasury Bills, Notes, and Bonds (31 CFR Part 356, 
as amended).
    Details about each of the new securities are given in the attached 
offering highlights.

Attachment

                      Highlights of Treasury Offerings of Bills To be Issued April 24, 20XX
----------------------------------------------------------------------------------------------------------------

Offering Amount..................  $8,000 million...............................  $8,000 million.
Description of Offering:
    Term and type of security....  91-day bill..................................  182-day bill.
    CUSIP number.................  912795 XX X..................................  912795 XX X.
    Auction date.................  April 21, 20XX...............................  April 21, 20XX.
    Issue date...................  April 24, 20XX...............................  April 24, 20XX.
    Maturity date................  July 24, 20XX................................  October 23, 20XX.
    Original issue date..........  July 25, 20XX................................  April 24, 20XX.
    Currently outstanding........  $31,725 million..............................  ..............................

[[Page 388]]


    Minimum bid amount and         $1,000.......................................  $1,000
     multiples.
----------------------------------------------------------------------------------------------------------------


The following rules apply to all
 securities mentioned above:

Submission of Bids:
    Noncompetitive bids............  Accepted in full up to $1,000,000
                                      at the highest discount rate of
                                      accepted competitive bids.
    Competitive bids...............  (1) Must be expressed as a discount
                                      rate with three decimals in
                                      increments of .005%, e.g., 7.100%,
                                      7.105%.
                                      (2) Net long position for each
                                      bidder must be reported when the
                                      sum of the total bid amount, at
                                      all discount rates, and the net
                                      long position is $1 billion or
                                      greater.
                                      (3) Net long position must be
                                      determined as of one half-hour
                                      prior to the closing time for
                                      receipt of competitive tenders.
Maximum Recognized Bid at a Single   35% of public offering.
 Yield.
Maximum Award:                       35% of public offering.
Receipt of Tenders:
    Noncompetitive tenders.........  Prior to 12:00 noon Eastern
                                      Daylight Saving time on auction
                                      day
    Competitive tenders............  Prior to 1:00 p.m. Eastern Daylight
                                      Saving time on auction day
Payment Terms......................  By charge to a funds account at a
                                      Federal Reserve Bank on issue
                                      date, or payment of full par
                                      amount with tender. Treasury
                                      Direct customers can use the Pay
                                      Direct feature which authorizes a
                                      charge to their account of record
                                      at their financial institution on
                                      issue date.

             III. Treasury Cash Management Bill Announcement

Embargoed until 2:30 p.m. February 25, 20XX
Contact: Office of Financing 202/XXX-XXXX

                Treasury to Auction Cash Management Bills

    The Treasury will auction approximately $23,000 million of 45-day 
Treasury cash management bills to be issued March 3, 20XX.
    Competitive and noncompetitive tenders will be received at all 
Federal Reserve Banks and Branches. Tenders will not be accepted for 
bills to be maintained on the book-entry records of the Department of 
the Treasury (Treasury Direct). Tenders will not be received at the 
Bureau of the Public Debt, Washington, D.C.
    Additional amounts of the bills may be issued to Federal Reserve 
Banks as agents for foreign and international monetary authorities at 
the highest discount rate of accepted competitive tenders.
    The 45-day cash management bill will be conducted in the single-
price auction format. All competitive and noncompetitive awards will be 
at the highest discount rate of accepted competitive tenders.
    This offering of Treasury securities is governed by the terms and 
conditions set forth in the Uniform Offering Circular for the Sale and 
Issue of Marketable Book-Entry Treasury Bills, Notes, and Bonds (31 CFR 
Part 356, as amended).

    Note: Competitive bids in cash management bill auctions must be 
expressed as a discount rate with two decimals, e.g., 7.10%.

    Details about the new security are given in the attached offering 
highlights.

Attachment

     Highlights of Treasury Offering of 45-Day Cash Management Bill
------------------------------------------------------------------------

Offering Amount..............  $23,000 million.
Description of Offering:
    Term and type of security  45-day Cash Management Bill.
    CUSIP number.............  912795 XX X.
    Auction date.............  February 27, 20XX.
    Issue date...............  March 3, 20XX.
    Maturity date............  April 17, 20XX.

[[Page 389]]


    Original issue date......  October 17, 20XX.
    Currently outstanding....  $24,724 million.
    Minimum bid amount and     $1,000.
     multiples.
Submission of Bids:
    Noncompetitive bids......  Accepted in full up to $1,000,000 at the
                                highest accepted discount rate.
    Competitive bids.........  (1) Must be expressed as a discount rate
                                with two decimals in increments of .01%,
                                e.g., 7.12%.
                               (2) Net long position for each bidder
                                must be reported when the sum of the
                                total bid amount, at all discount rates,
                                and the net long position is $1 billion
                                or greater.
                               (3) Net long position must be determined
                                as of one half-hour prior to the closing
                                time for receipt of competitive tenders.
Maximum Recognized Bid at a    35% of public offering.
 Single Yield.
Maximum Award................  35% of public offering.
Receipt of Tenders:
    Noncompetitive tenders...  Prior to 11:00 a.m. Eastern Standard time
                                on auction day.
    Competitive tenders......  Prior to 11:30 a.m. Eastern Standard time
                                on auction day.
Payment Terms................  By charge to a funds account at a Federal
                                Reserve Bank on issue date, or payment
                                of full par amount with tender.
------------------------------------------------------------------------

            IV. Treasury Inflation-Indexed Note Announcement

Embargoed Until 2:30 P.M., October 2, 20XX
CONTACT: Office of Financing, 202/219-3350

  Treasury to Auction $5,500 Million of 10-Year Inflation-Indexed Notes

    The Treasury will auction $5,500 million of 10-year inflation-
indexed notes to raise cash. In addition, there is $7,906 million of 
publicly-held securities maturing October 15, 20XX.
    In addition to the public holdings, Federal Reserve Banks hold $327 
million of the maturing securities for their own accounts, which may be 
exchanged for additional amounts of the new securities.
    The maturing securities held by the public include $584 million held 
by Federal Reserve Banks as agents for foreign and international 
monetary authorities. Amounts bid for these accounts by Federal Reserve 
Banks will be added to the offering.
    The auction will be conducted in the single-price auction format. 
All competitive and noncompetitive awards will be at the highest yield 
of accepted competitive tenders.
    Tenders will be received at Federal Reserve Banks and Branches and 
at the Bureau of the Public Debt, Washington, D.C. This offering of 
Treasury securities is governed by the terms and conditions set forth in 
the Uniform Offering Circular (31 CFR part 356) for the sale and issue 
by the Treasury to the public of marketable Treasury bills, notes, and 
bonds.
    Details about the new security are given in the attached offering 
highlights.

   Highlights of Treasury Offering to the Public of 10-Year Inflation-
               Indexed Notes to be Issued October 15, 20XX

    October 2, 20XX
    Offering Amount: $5,500 million.
    Description of Offering:

Term and type of security: 10-year inflation-indexed notes
Series--D-20XX
CUSIP number--912XXX XX X
Auction date--October 9, 20XX
Issue date--October 15, 20XX
Dated date--October 15, 20XX
Maturity date--October 15, 20XX
Interest Rate--Determined based on the highest accepted bid
Real yield--Determined at auction
    Interest payment dates: April 15 and October 15.

Minimum bid amount--$1,000
Multiples--$1,000
    Accrued interest payable by investor: None.
    Premium or discount: Determined at auction.

    STRIPS Information:

Minimum amount required--Determined at auction
Corpus CUSIP number--912XXX XX X
    STRIPS Information:
    Due dates and CUSIP numbers for additional TINTs: 912XXX.
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X

[[Page 390]]

April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X
April 15, 20XX--XX X
October 15, 20XX--XX X

    Submission of Bids:

Noncompetitive bids:--Will be accepted in full up to $5,000,000 at the 
          highest accepted yield.
Competitive bids:
(1) Must be expressed as a real yield with three decimals, e.g., 3.120%.
(2) Net long position for each bidder must be reported when the sum of 
          the total bid amount, at all yields, and the net long position 
          is $------ billion or greater.
(3) Net long position must be determined as of one half-hour prior to 
          the closing time for receipt of competitive tenders.
    Maximum Recognized Bid at a Single Yield--35% of public offering.
    Maximum Award--35% of public offering.
    Receipt of Tenders:

Noncompetitive tenders: Prior to 12:00 noon Eastern Daylight Saving time 
          on auction day.
Competitive tenders: Prior to 1:00 p.m. Eastern Daylight Saving time on 
          auction day.
    Payment Terms: Full payment with tender or by charge to a funds 
account at a Federal Reserve Bank on issue date.
    Indexing Information:
CPI Base Reference Period:--19XX-XX
Ref CPI 10/15/20XX:--XXX.XXXXX

[58 FR 414, Jan. 5, 1993, as amended at 62 FR 873, Jan. 6, 1997; 62 FR 
43094, Aug. 12, 1997; 64 FR 3634, Jan. 25, 1999]

Exhibit B to Part 356--Sample Autocharge Agreement To Deliver and Charge 
for Securities Awarded in Department of the Treasury Auctions (Submitter 
                       and Depository Institution)

Federal Reserve Bank of ----------------
Attention: (Name of Fiscal Officer)
(Address)
(Address)

    To Whom It May Concern:
    I. The depository institution (``DI'') and the submitting entity 
(``Submitter''), as identified below, agree that
    (a) The Submitter is authorized to submit tenders to the Federal 
Reserve Bank of ------------ (``Bank'');
    (b) The Bank is authorized to deliver, as provided herein, Treasury 
securities awarded to the Submitter through the auction process;
    (c) The Bank, or other Federal Reserve Bank identified in Section II 
below, is authorized to charge the DI's funds account for payment of 
awarded securities that are delivered by the Bank hereunder. Such charge 
is to be made at the same time the securities are delivered;
    (d) The Submitter [  ] is, [  ] is not authorized to submit TREASURY 
DIRECT tenders. Where such tenders are authorized, the Bank is 
instructed to deliver awarded securities to the TREASURY DIRECT Book-
Entry System and charge the DI's funds account for the securities 
delivered; and
    (e) The Bank [  ] is, [  ] is not authorized to deliver the awarded 
securities to the DI's securities account at a Federal Reserve Bank 
other than the Bank.

The above authorizations apply to:
    [  ] bills
    [  ] notes
    [  ] bonds
    II. For securities to be delivered to a Federal Reserve Bank other 
than the Bank receiving the tender, the Submitter must complete the 
following:
    Awarded securities are to be delivered hereunder by the Bank to the 
DI's securities account at the Federal Reserve Bank of ------------.
    III. The following wire instructions are to be used by the Bank to 
deliver securities to the DI:
    Wire Instructions: ----------------.
    IV. General Provisions.
    This agreement is effective on the date it is received by the Bank, 
although the Bank normally will not act under the agreement until it has 
acknowledged receipt of such.
    The Submitter hereunder is the entity submitting bids to a Bank for 
its own account or for the account of others. The Submitter is 
responsible to the Treasury for full payment of all securities awarded, 
including any securities awarded under customer bids submitted by the 
Submitter.
    Any Federal Reserve Bank identified herein is authorized to act on 
information in any tender in the name of the Submitter that reasonably 
appears to be valid and genuine. The DI, by executing this agreement, 
guarantees the authority and signature of the person signing this 
agreement on behalf of the Submitter.
    This agreement will remain in effect until written notice is 
received by the Bank from either the DI or the Submitter that the 
agreement has been terminated, provided that if securities are scheduled 
to be delivered hereunder, such notice must be received in accordance 
with the termination procedures hereafter described.

[[Page 391]]

    As to termination action by the DI, notice of termination will not 
be effective unless received in writing by a Fiscal/Securities 
Department officer by the later of (i) 5 p.m. (the Bank's time) on the 
business day prior to the issue date of the securities scheduled to be 
delivered hereunder or (ii) if the submitter has authorized the Bank to 
advise the DI of securities to be delivered, two hours after such advice 
is sent by the Bank. Such termination action by the DI shall not affect 
the Submitter's responsibility to make full payment for the securities 
awarded. A DI may, at any time, waive in writing its right to terminate 
hereunder.
    As to termination action by the Submitter after an auction but prior 
to delivery of awarded securities, the written notice of termination 
will not be effective, and this agreement shall remain in full force and 
effect, unless the Submitter has provided to the Bank, and the latter 
has acknowledged, a new autocharge agreement executed by a DI having a 
funds account at a Federal Reserve Bank.
    Written notices to be sent hereunder in connection with the 
termination of this autocharge agreement shall be sent by either the 
Submitter or the DI to the Bank authorized to receive tenders hereunder.
    In the event that this autocharge agreement is terminated, it is the 
sole responsibility of the party terminating the agreement to notify the 
other party hereto.

AGREED TO BY____________________________________________________________
(Full DI Name and ABA )
Signature:______________________________________________________________
Name:___________________________________________________________________
Title:__________________________________________________________________
Date:___________________________________________________________________

AGREED TO BY____________________________________________________________
(Full name of Submitter)
Signature:______________________________________________________________
Name:___________________________________________________________________
Title:__________________________________________________________________
Date:___________________________________________________________________

ACKNOWLEDGED BY: Federal Reserve Bank of________________________________
    (``Bank''):

Signature:______________________________________________________________
Name:___________________________________________________________________
Title:__________________________________________________________________
Date:___________________________________________________________________
    DI'S SIGNATURE AND WIRE INSTRUCTIONS VERIFIED BY:

(For use only by Federal Reserve Bank named in Section II above)

Signature:______________________________________________________________
Name:___________________________________________________________________
Title:__________________________________________________________________
Date:___________________________________________________________________
Federal Reserve Bank of_________________________________________________

          Instructions for Completing the Autocharge Agreement

    1. DEPOSITORY INSTITUTION: This is the DI whose funds account at a 
Federal Reserve Bank will be debited, under this autocharge agreement, 
for the price of Treasury securities awarded at auction to the 
Submitter. Also, this DI must have a book-entry securities account at 
the Federal Reserve Bank to which securities will be delivered against 
payment on settlement day pursuant to the autocharge agreement and the 
Submitter's tender submission.
    2. SUBMITTER: The Submitter must identify the full name of the 
entity that is submitting bids under this autocharge agreement. The name 
shown on the autocharge agreement should be the same as that appearing 
on related tender forms.
    3. BANK: This is the Federal Reserve Bank to which the Submitter 
will be submitting tenders in Treasury auctions.
    4. SIGNATURE FOR DI: This is the signature of an officer of the DI 
having authority to enter into or terminate this autocharge agreement, 
and whose signature is on file at the Federal Reserve Bank where the DI 
has a funds account.
    5. SIGNATURE FOR SUBMITTER: This is the signature of an officer of 
the Submitter having authority to enter into or terminate the autocharge 
agreement.
    6. SIGNATURE FOR BANK: This is the signature of an officer of the 
Bank having authority to acknowledge this autocharge agreement.