Dreyfus
A Bonds Plus, Inc.
Investing in fixed-income securities
for current income consistent with
the preservation of capital and
maintenance of liquidity
Prospectus August 1, 1999
As with all mutual funds, the Securities and Exchange Commission has not
approved or disapproved these securities or passed upon the adequacy of this
prospectus.
Any representation to the contrary is a criminal offense.
[Page]
Contents
The Fund
2 Goal/Approach
3 Main Risks
4 Past Performance
5 Expenses
6 Management
7 Financial Highlights
Your Investment
8 Account Policies
11 Distributions and Taxes
12 Services for Fund Investors
14 Instructions for Regular Accounts
16 Instructions for IRAs
For More Information
Back Cover
What every investor should know about
the fund Information for managing your fund account
Where to learn more about this and other Dreyfus funds
[Page]
The Fund
Dreyfus A Bonds Plus, Inc.
Ticker Symbol: DRBDX
Goal/Approach
The fund seeks to maximize current income to the extent consistent with the
preservation of capital and the maintenance of liquidity. To pursue this
goal, the fund invests at least 80% of net assets in fixed-income securities
that, when purchased, are rated A or better or are the unrated equivalent as
determined by Dreyfus, and in securities issued or guaranteed by the U.S.
government or its agencies or instrumentalities. The remainder of the fund's
assets may be invested in fixed-income securities rated lower than A
or the unrated equivalent as determined by Dreyfus.
The fixed-income securities in which the fund may invest include:
* bonds, debentures and notes
* mortgage-related securities, including CMOs
* asset-backed securities
* convertible debt obligations, preferred stock and convertible preferred stock
* municipal obligations and zero coupon bonds
* money market instruments
The fund may invest up to 10% of net assets in foreign securities.
Information on the fund's recent strategies and holdings can be found in the
current annual/semiannual report (see back cover).
Concepts to understand
Mortgage-related securities: pools of residential or commercial mortgages
whose cash flows are "passed through" to the holders of
the securities via monthly payments of interest and principal.
CMOs: multi-class bonds backed by pools of mortgage pass-through securities
or mortgage loans. CMOs may
be issued by government agencies or private issuers.
Ratings: represent the opinions of rating agencies (like Moody's and Standard
&Poor's) as to the quality of the fixed-income securities. Ratings are
relative and subjective and are not absolute standards of quality.
[Page 2]
Main Risks
Prices of bonds tend to move inversely with changes in interest rates. While
a rise in rates may allow the fund to invest for higher yields, the most
immediate effect is usually a drop in bond prices, and therefore in the
fund's share price as well. As a result, the value of your investment in the
fund could go up and down, which means that you could lose money.
Although the fund invests primarily in high quality bonds, it may invest to a
limited extent in high-yield bonds which involve greater credit risk,
including the risk of default, than investment grade bonds. They tend to be
more volatile in price and less liquid and are considered speculative. The
prices of high-yield bonds can fall in response to bad news about the issuer,
the issuer's industry or the economy in general.
Other risk factors could have an effect on the fund's performance, including:
* if an issuer fails to make timely interest or principal payments or there is
a decline in the credit
quality of a bond, or perception of a decline, the bond's value could fall,
potentially lowering the fund's share price
* the price and yield of foreign debt securities could be affected by
factors ranging from political
and economic instability to changes in currency exchange rates
Under adverse market conditions, the fund could invest up to all of its
assets in money market securities. Although the fund would do this to avoid
losses, it could have the effect of reducing the benefit from any upswing in
the market. During such period, the fund may not achieve its investment
objective.
Other potential risks
Most mortgage-related securities are a form of derivative. Derivatives can be
illiquid and highly sensitive to changes in their underlying securities,
interest rate or index and, as a result, can be highly volatile. Certain
derivatives, at times, may be used to leverage the portfolio, meaning that a
small investment could have a potentially large impact
on the fund.
If the fund's mortgage-related securities are paid off substantially earlier
or later than expected, the fund's
share price or yield could
be hurt.
[Page 3]
Past Performance
The tables below show some of the risks of investing in the fund. The first
table shows the changes in the fund's performance from year to year. The
second table compares the fund's performance over time to that of the Merrill
Lynch Domestic Master Index, an unmanaged bond performance benchmark. Both
tables assume reinvestment of dividends. Of course, past performance is no
guarantee of future results.
Year-by-year total return as of 12/31 each year (%)
<TABLE>
14.22 4.80 18.76 8.21 14.95 (6.16) 20.31 2.63 9.55 2.68
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
89 90 91 92 93 94 95 96 97 98
</TABLE>
Best Quarter: Q2 '89 +9.78%
Worst Quarter: Q1 '94 -4.32%
The fund's year-to-date total return as of 6/30/99 was -0.01%.
Average annual total return as of 12/31/98
1 Year 5 Years 10 Years
- -------------------------------------------------------------------------
Fund 2.68% 5.44% 8.71%
Merrill Lynch
Domestic
Master Index 8.87% 7.33% 9.29%
What this fund is -
and isn't
This fund is a mutual fund:
a pooled investment that is professionally managed and gives you the
opportunity to participate in financial markets. It strives to reach its
stated goal, although as with all mutual funds, it cannot offer guaranteed
results.
An investment in this fund is not a bank deposit. It is not insured or
guaranteed by the FDIC or any other government agency. It is not a complete
investment program. You could lose money in this fund, but you also have the
potential to make money.
[Page]
Expenses
As an investor, you pay certain fees and expenses in connection with the
fund, which are described in the table below. Annual fund operating expenses
are paid out of fund assets, so their effect is included in the share price.
The fund has no sales charge (load) or Rule 12b-1 distribution fees.
Fee table
Annual fund operating expenses
% of average daily net assets
Management fees 0.65%
Shareholder services fee 0.14%
Other expenses 0.17%
Total 0.96%
Expense example
1 Year 3 Years 5 Years 10 Years
- -------------------------------------------------------------------------
$98 $306 $531 $1,178
This example shows what you could pay in expenses over
time. It uses the same
hypothetical conditions other funds use in their
prospectuses: $10,000 initial investment, 5% total
return each year and no changes in expenses. The
figures shown would be the same whether you sold your
shares at the end of a period or kept them. Because
actual return and expenses will be different, the
example is for comparison only.
Concepts to understand
Management fee: the fee paid to the investment adviser for managing the
fund's portfolio and assisting in all aspects of the fund's operations.
Shareholder services fee: a fee of up to 0.25% used to reimburse Dreyfus
Service Corporation for shareholder account service and maintenance.
Other expenses: fees paid by the fund for miscellaneous items such as
transfer agency, custody, professional and registration fees.
The Fund
[Page 5]
Management
The investment adviser for the fund is The Dreyfus Corporation,
200 Park Avenue, New York, New York 10166. Founded in 1947, Dreyfus manages
more than $120 billion in over 160 mutual fund portfolios. During the past
fiscal year, the fund paid Dreyfus a management fee at the annual rate of
0.65% of the fund's average daily net assets. Dreyfus is the primary mutual
fund business of Mellon Bank Corporation, a broad-based financial services
company with a bank at its core. With more than $389 billion of assets under
management and $1.9 trillion of assets under administration and custody,
Mellon provides a full range of banking, investment and trust products and
services to individuals, businesses and institutions. Mellon is headquartered
in Pittsburgh, Pennsylvania.
The Dreyfus taxable fixed income team makes investment decisions for the
fund. No individual team member is primarily responsible for making these
investment decisions. The portfolio managers comprising the team are
identified in the Statement of Additional Information.
Dreyfus has a personal securities trading policy (the "Policy") which
restricts the personal securities transactions of its employees. Its primary
purpose is to ensure that personal trading by Dreyfus employees does not
disadvantage any Dreyfus-managed fund. Dreyfus portfolio managers and other
investment personnel who comply with the Policy's preclearance and disclosure
procedures may be permitted to purchase, sell or hold certain types of
securities which also may be or are held in the fund(s) they advise.
Concepts to understand
Year 2000 issues: the fund could be adversely affected if the computer
systems used by Dreyfus and the fund's other service providers do not
properly process and calculate date-related information from and after
January 1, 2000.
Dreyfus is working to avoid year 2000-related problems in its systems
and to obtain assurances from other service providers that they are
taking similar steps. In addition, issuers of securities in which
the fund invests may be adversely affected by year 2000-related problems.
This could have an impact on the value of the fund's investments and its
share price.
[Page 6]
Financial Highlights
This table describes the fund's performance for the fiscal periods indicated.
"Total return" shows how much your investment in the fund would have
increased (or decreased) during each period, assuming you had reinvested all
dividends and distributions. These figures have been independently audited by
Ernst & Young LLP, whose report, along with the fund's financial statements,
is included in the annual report.
<TABLE>
<CAPTION>
Year Ended March 31,
1999 1998 1997 1996 1995
- ------------------------------------------------------------------------------------------------------------------------
Per-Share Data ($)
<S> <C> <C> <C> <C> <C>
Net asset value, beginning of period 14.75 14.13 14.47 13.75 14.38
Investment operations:
Investment income - net .83 .89 .88 .92 .94
Net realized and unrealized
gain (loss) on investments (.54) .79 (.34) .73 (.56)
Total from investment operations .29 1.68 .54 1.65 .38
Distributions:
Dividends from investment
income - net (.84) (.89) (.88) (.93) (.94)
Dividends from net realized gain
on investments (.21) (.17) - - (.07)
Total distributions (1.05) (1.06) (.88) (.93) (1.01)
Net asset value, end of period 13.99 14.75 14.13 14.47 13.75
Total return (%) 2.05 12.20 3.88 12.12 3.01
Ratios/Supplemental Data
Ratio of expenses
to average net assets (%) .96 .95 .96 .93 .99
Ratio of net investment income
to average net assets (%) 5.78 6.07 6.12 6.32 6.89
Portfolio turnover rate (%) 255.27 374.30 415.69 165.50 172.60
Net assets, end of period ($ x 1,000) 576,499 648,372 571,580 598,551 539,140
</TABLE>
The Fund
[Page 7]
Your Investment
Account Policies
Buying shares
You pay no sales charges to invest in this fund. Your price for fund shares
is the fund's net asset value per share (NAV), which is generally calculated
as of the close of trading on the New York Stock Exchange (usually 4:00 p.m.
Eastern time) every day the exchange is open. Your order will be priced at
the next NAV calculated after your order is accepted by the fund's transfer
agent or other authorized entity. The fund's investments are generally valued
based on market value or, where market quotations are not readily available,
based on fair value as determined in good faith by the fund's board.
Minimum investments
Initial Additional
- --------------------------------------------------------------------
Regular accounts $2,500 $100
$500 for
TeleTransfer investments
Traditional IRAs $750 no minimum
Spousal IRAs $750 no minimum
Roth IRAs $750 no minimum
Education IRAs $500 no minimum
after the first year
Dreyfus automatic $100 $100
investment plans
All investments must be in U.S.
dollars. Third-party checks cannot be accepted. You may
be charged a fee for any check that does not
clear. Maximum TeleTransfer purchase is $150,000 per
day.
Concepts to understand
Traditional IRA: an individual retirement account. Your contributions may or
may not be deductible depending on your circumstances. Assets grow
tax-deferred; withdrawals and distributions are taxable
in the year made.
Spousal IRA: an IRA funded by a working spouse in the name of a nonworking
spouse.
Roth IRA: an IRA with non-deductible contributions, and
tax-free growth of assets and distributions to pay retirement expenses,
provided certain conditions are met.
Education IRA: an IRA with nondeductible contributions, and tax-free growth
of assets and distributions, if used to pay certain educational expenses.
For more complete IRA information, consult Dreyfus or your tax professional.
[Page 8]
Selling shares
You may sell (redeem) shares at any time. Your shares will be sold at the
next NAV calculated after your order is accepted by the fund's transfer agent
or other authorized entity. Any certificates representing fund shares being
sold must be returned with your redemption request. Your order will be
processed promptly and you will generally receive the proceeds within a week.
Before selling recently purchased shares, please note that if the fund has
not yet collected payment for the shares you are selling, it may delay
sending the proceeds for up to eight business days or until it has collected
payment.
Limitations on selling shares by phone
Proceeds
sent by Minimum Maximum
- --------------------------------------------------------------------------
Check no minimum $150,000 per day
Wire $1,000 $250,000 for joint accounts
every 30 days
TeleTransfer $500 $250,000 for joint accounts
every 30 days
Written sell orders
Some circumstances require written sell orders along with signature
guarantees.
These include:
amounts of $1,000 or more on accounts whose address has been changed within
the last 30 days
requests to send the proceeds to a different payee or address
Written sell orders of $100,000 or more must also be signature guaranteed.
A signature guarantee helps protect against fraud. You can obtain one from
most banks or securities dealers, but not from a notary public. For joint
accounts, each signature must be guaranteed. Please call us to ensure that
your signature guarantee will be processed correctly.
Your Investment
[Page 9]
Account Policies (continued)
General policies
If your account falls below $500, the fund may ask you to increase your
balance. If it is still below $500 after 45 days, the fund may close your
account and send you the proceeds.
Unless you decline telephone privileges on your application, you may be
responsible for any fraudulent telephone order as long as Dreyfus takes
reasonable measures to verify the order.
The fund reserves the right to:
* refuse any purchase or exchange request that could adversely affect the fund
or its operations, including those from any individual
or group who, in the fund's view, is likely to engage
in excessive trading (usually defined as more than four
exchanges out of the fund within a calendar year)
* refuse any purchase or exchange request in excess of 1% of the fund's total
assets
* change or discontinue its exchange privilege, or temporarily suspend this
privilege during unusual
market conditions
* change its minimum investment amounts
* delay sending out redemption proceeds for up to seven days
(generally applies only in cases of very
large redemptions, excessive trading or during unusual market conditions)
The fund also reserves the right to make a "redemption in kind" - payment in
portfolio securities rather than cash - if the amount you are redeeming is
large enough to affect fund operations (for example, if it represents more
than 1% of the fund's assets).
Third-party investments
If you invest through a third party (rather than directly with Dreyfus), the
policies and fees may be different than those described here. Banks, brokers,
401(k) plans, financial advisers and financial supermarkets may charge
transaction fees and may set different minimum investments or limitations on
buying or selling shares. Consult a representative of your plan or financial
institution if in doubt.
[Page 10]
Distributions and Taxes
The fund usually pays its shareholders dividends from its net investment
income once a month, and distributes any net capital gains it has realized
once a year. Your distributions will be reinvested in the fund unless you
instruct the fund otherwise. There are no fees or sales charges on
reinvestments.
Fund dividends and distributions are taxable to most investors (unless your
investment is in an IRA or other tax-advantaged account). The tax status of
any distribution is the same regardless of how long you have been in the fund
and whether you reinvest your distributions or take them in cash.
In general, distributions are federally taxable
as follows:
Taxability of distributions
Type of Tax rate for Tax rate for
distribution 15% bracket 28% bracket or above
- ---------------------------------------------------------------------------
Income Ordinary Ordinary
dividends income rate income rate
Short-term Ordinary Ordinary
capital gains income rate income rate
Long-term
capital gains 10% 20%
The tax status of your dividends and distributions will be detailed in your
annual tax statement from the fund.
Because everyone's tax situation is unique, always consult your tax
professional about federal, state and local tax consequences.
Taxes on transactions
Except in tax-advantaged accounts, any sale or
exchange of fund shares, including through the checkwriting privilege,
may generate a tax liability.
The table at right also can provide a guide for your potential tax liability
when selling or exchanging fund shares. "Short-term capital gains" applies to
fund shares sold or exchanged up to 12 months after buying them. "Long-term
capital gains" applies to shares sold or exchanged after 12 months.
Your Investment
[Page 11]
Services for fund Investors
Automatic services
Buying or selling shares automatically is easy with the services described
below. With each service, you select a schedule and amount, subject to
certain restrictions. You can set up most of these services with your
application or by calling 1-800-645-6561.
For investing
Dreyfus Automatic For making automatic investments
Asset BuilderRegistration Mark from a designated bank account.
Dreyfus Payroll For making automatic investments
Savings Plan through a payroll deduction.
Dreyfus Government For making automatic investments
Direct Deposit from your federal employment,
Privilege Social Security or other regular
federal government check.
Dreyfus Dividend For automatically reinvesting the
Sweep dividends and distributions from
one Dreyfus fund into another
(not available for IRAs).
For exchanging shares
Dreyfus Auto- For making regular exchanges
Exchange Privilege from one Dreyfus fund into
another.
For selling shares
Dreyfus Automatic For making regular withdrawals
Withdrawal Plan from most Dreyfus funds.
Dreyfus Financial Centers
Through a nationwide network of Dreyfus Financial Centers, Dreyfus offers a
full array of investment services and products. This includes information on
mutual funds, brokerage services, tax-advantaged products and retirement
planning.
Experienced financial consultants can help you make informed choices and
provide you with personalized attention in handling account transactions. The
Financial Centers also offer informative seminars and events. To find the
Financial Center nearest you, call 1-800-499-3327.
[Page 12]
Checkwriting privilege
You may write redemption checks against your account in amounts of $500 or
more. These checks are free; however, a fee may be charged if you request a
stop payment or if the transfer agent cannot honor a redemption check due to
insufficient funds or another valid reason. Please do not postdate your
checks or use them to close your account.
Exchange privilege
You can exchange $500 or more from one Dreyfus fund into another (no minimum
for retirement accounts). You can request your exchange in writing or by
phone. Be sure to read the current prospectus for any fund into which you are
exchanging. Any new account established through an exchange will have the
same privileges as your original account (as long as they are available).
There is currently no fee for exchanges, although you may be charged a sales
load when exchanging into any fund that has one.
Dreyfus TeleTransfer privilege
To move money between your bank account and your Dreyfus fund account with a
phone call, use the Dreyfus TeleTransfer privilege. You can set up
TeleTransfer on your account by providing bank account information and
following the instructions on your application.
24-hour automated account access
You can easily manage your Dreyfus accounts, check your account balances,
transfer money between your Dreyfus funds, get price and yield information
and much more - when it's convenient for you.
Retirement plans
Dreyfus offers a variety of retirement plans, including traditional, Roth and
Education IRAs. Here's where you call
for information:
for traditional, rollover, Roth and Education IRAs, call
1-800-645-6561
for SEP-IRAs, Keogh
accounts, 401(k) and
403(b) accounts, call
1-800-358-0910
Your Investment
[Page 13]
Instructions for regular accounts
TO OPEN AN ACCOUNT
In Writing
Complete the application.
Mail your application and a check to:
The Dreyfus Family of Funds
P.O. Box 9387, Providence, RI 02940-9387
TO ADD TO AN ACCOUNT
Fill out an investment slip, and write your account number on your check.
Mail the slip and the check to:
The Dreyfus Family of Funds
P.O. Box 105, Newark, NJ 07101-0105
By Telephone
Wire Have your bank send your
investment to The Bank of New York,
with these instructions:
* ABA# 021000018
* DDA# 8900051868
* the fund name
* your Social Security or tax ID number
* name(s) of investor(s)
Call us to obtain an account number. Return your application.
Wire Have your bank send your
investment to The Bank of New York,
with these instructions:
* ABA# 021000018
* DDA# 8900051868
* the fund name
* your account number
* name(s) of investor(s)
Electronic check Same as wire, but insert "1111" before your account number.
TeleTransfer Request TeleTransfer on your application. Call us to request
your transaction.
Automatically
With an initial investment Indicate
on your application which automatic
service(s) you want. Return your
application with your investment.
Without any initial investment Check the Dreyfus Step Program option on
your application. Return your application, then complete the additional
materials when they are sent to you.
All services Call us to request a form to add any automatic investing
service (see "Services for Fund Investors"). Complete and return the forms
along with any other required materials.
Via the Internet
Computer Visit the Dreyfus Web site http://www.dreyfus.com and follow the
instructions to download an account
application.
[Page 14]
TO SELL SHARES
Write a redemption check or write a letter of instruction that includes:
* your name(s) and signature(s)
* your account number
* the fund name
* the dollar amount you want to sell
* how and where to send the proceeds
Obtain a signature guarantee or other documentation, if required (see
"Account Policies - Selling Shares").
Mail your request to:
The Dreyfus Family of Funds
P.O. Box 9671, Providence, RI 02940-9671
Wire Be sure the fund has your bank account
information on file. Call us to request your
transaction. Proceeds will be wired to your bank.
TeleTransfer Be sure the fund has your bank account information on file.
Call us to request
your transaction. Proceeds will be sent to your
bank by electronic check.
Check Call us to request your transaction.
A check will be sent to the address of record.
Dreyfus Automatic Withdrawal Plan Call us
to request a form to add the plan. Complete the form, specifying the amount
and frequency of
withdrawals you would like.
Be sure to maintain an account balance of
$5,000 or more.
To reach Dreyfus, call
toll free in the U.S.
1-800-645-6561
Outside the U.S. 516-794-5452
Make checks payable to:
The Dreyfus Family of Funds
You also can deliver requests to any Dreyfus Financial Center. Because
processing time may vary, please ask
the representative when your account will be credited
or debited.
Concepts to understand
Wire transfer: for transferring money from one financial institution to
another. Wiring is the fastest way to move money, although your bank
may charge a fee to send or receive wire transfers. Wire redemptions from the
fund are subject to a $1,000 minimum.
Electronic check: for transferring money out of a bank account. Your
transaction is entered electronically, but may take up to eight business days
to clear. Electronic checks usually are available without a fee at all
Automated Clearing House (ACH) banks.
Your Investment
[Page 15]
Instructions for IRAs
TO OPEN AN ACCOUNT
In Writing
Complete an IRA application, making sure to specify the fund name and to
indicate the year the contribution is for.
Mail your application and a check to:
The Dreyfus Trust Company, Custodian
P.O. Box 6427, Providence, RI 02940-6427
TO ADD TO AN ACCOUNT
Fill out an investment slip, and write your account number on your check.
Indicate
the year the contribution is for.
Mail in the slip and the check (see "To Open an Account" at left).
By Telephone
Wire Have your bank send your
investment to The Bank of New York,
with these instructions:
* ABA# 021000018
* DDA# 8900051868
* the fund name
* your account number
* name of investor
* the contribution year
Electronic check Same as wire, but insert "1111" before your account number.
Telephone Contribution Call to request us to move money from a regular
Dreyfus account to an IRA (both accounts must be
held in the same shareholder name).
Automatically
Without any initial investment Call us
to request a Dreyfus Step Program form. Complete and return the form along
with your application.
All services Call us to request a form to add an automatic investing service
(see "Services for Fund Investors"). Complete and return the form along with
any other required materials.
All contributions will count as current year.
Via the Internet
Computer Visit the Dreyfus Web site http://www.dreyfus.com and follow
the instructions to download an account
application.
[Page 16]
TO SELL SHARES
Write a letter of instruction that includes:
* your name and signature
* your account number
* the fund name
* the dollar amount you want to sell
* how and where to send the proceeds
* whether the distribution is qualified or premature
* whether the 10% TEFRA should be withheld
Obtain a signature guarantee or other
documentation, if required.
Mail in your request (see "To Open an Account" at left).
Dreyfus Automatic Withdrawal Plan Call us
to request instructions to establish the plan.
To reach Dreyfus, call
toll free in the U.S.
1-800-645-6561
Outside the U.S. 516-794-5452
Make checks payable to:
The Dreyfus Trust Company, Custodian
You also can deliver requests to any Dreyfus Financial Center. Because
processing time may vary, please ask
the representative when your account will be credited
or debited.
Concepts to understand
Wire transfer: for transferring money from one financial institution to
another. Wiring is the fastest way to move money, although your bank
may charge a fee to send or receive wire transfers. Wire redemptions from the
fund are subject to a $1,000 minimum.
Electronic check: for transferring money out of a bank account. Your
transaction is entered electronically, but may take up to eight business days
to clear. Electronic checks usually are available without a fee at all
Automated Clearing House (ACH) banks.
Your Investment
[Page 17]
For More Information
Dreyfus A Bonds Plus, Inc.
SEC file number: 811-2625
More information on this fund is
available free upon request, including the following:
Annual/Semiannual Report
Describes the fund's performance,
lists portfolio holdings and contains a letter from the
fund's manager discussing recent market conditions,
economic trends and fund strategies that significantly
affected the fund's performance during the last fiscal
year.
Statement of Additional Information (SAI)
Provides more details about the
fund and its policies. A current SAI is on file with
the Securities and Exchange Commission (SEC) and is
incorporated by reference (is legally considered part
of this prospectus).
To obtain information:
By telephone
Call 1-800-645-6561
By mail Write to:
The Dreyfus Family of Funds
144 Glenn Curtiss Boulevard
Uniondale, NY 11556-0144
By E-mail Send your request to [email protected]
On the Internet Text-only versions of fund documents can be viewed online or
downloaded from:
SEC
http://www.sec.gov
Dreyfus
http://www.dreyfus.com
You can also obtain copies by visiting the SEC's Public Reference Room in
Washington, DC (phone 1-800-SEC-0330) or by sending your request and a
duplicating fee to the SEC's Public Reference Section, Washington, DC
20549-6009.
Copy Rights 1999 Dreyfus Service Corporation 084P0899 a
