EXHIBIT INDEX

(a)(2)    Articles of Incorporation amended June 16, 1999.

(h)(6)    Transfer   Agency   Agreement   dated   May  10,  2001 between
          Registrant and American Express Client Service Corporation.

(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.