EXHIBIT INDEX

(a)(2)    Articles of Amendment, dated June 16, 1999.

(b)       By-laws,  as amended Jan. 11, 2001.

(h)(7)    Transfer  Agency  Agreement  between  Registrant and American  Express
          Client Service Corporation, dated May 10, 2001.

(i)       Opinion  and consent of counsel as to the  legality of the  securities
          being registered.

(j)       Independent Auditors' Consent.

(q)(1)    Directors'  Power of Attorney to sign Amendments to this  Registration
          Statement,  dated Jan. 11, 2001.

(q)(2)    Officers'  Power of Attorney to sign  Amendments to this  Registration
          Statement,  dated  Jan. 11, 2001.