EXHIBIT INDEX

(q)(1)    Directors'/Trustees' Power of Attorney to sign Amendments to this
          Registration Statement dated Jan. 9, 2002.

(q)(2)    Officers'  Power of Attorney to sign  Amendments to this  Registration
          Statement, dated Sept. 17, 2002.

(q)(3)    Trustees'  Power of Attorney to sign  Amendments to this  Registration
          Statement,  dated Jan. 9, 2002.

(q)(4)    Officers'  Power of Attorney to sign  Amendments to this  Registration
          Statement,  dated Sept. 18, 2002.