-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, VqkiEaQYvTRpPLeuOQp10zeZ+4qUcVePhZq3WA6yGpdJmn0/wjGZDkLPN2Mq4K3f Hn6gko6ps86YibbX28zd4A== 0001010521-04-000304.txt : 20041206 0001010521-04-000304.hdr.sgml : 20041206 20041206102540 ACCESSION NUMBER: 0001010521-04-000304 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20041206 DATE AS OF CHANGE: 20041206 EFFECTIVENESS DATE: 20041206 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HANCOCK JOHN EQUITY TRUST CENTRAL INDEX KEY: 0000750741 IRS NUMBER: 000000000 STATE OF INCORPORATION: MA FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 002-92548 FILM NUMBER: 041185403 BUSINESS ADDRESS: STREET 1: 101 HUNTINGTON AVE STREET 2: 10TH FLOOR CITY: BOSTON STATE: MA ZIP: 02199 BUSINESS PHONE: 6173751700 MAIL ADDRESS: STREET 1: 101 HUNTINGTON AVENUE STREET 2: 10TH FLOOR CITY: BOSTON STATE: MA ZIP: 02199 FORMER COMPANY: FORMER CONFORMED NAME: HANCOCK JOHN SPECIAL EQUITIES FUND DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: HANCOCK JOHN SPECIAL EQUITIES TRUST DATE OF NAME CHANGE: 19901218 497 1 equity.txt EQUITY TRUST (3918) Hancock Growth Trends Fund SUPPLEMENT TO THE STATEMENT OF ADDITIONAL INFORMATION dated March 1, 2004 as revised July 15, 2004 The section "Those Responsible for Management" in the Statement of Additional Information has been deleted and replaced with the following: THOSE RESPONSIBLE FOR MANAGEMENT The business of the Fund is managed by its Trustees, including certain Trustees who are not "interested persons" of the Fund or the Trust (as defined by the Investment Company Act of 1940) (the "Independent Trustees"), who elect officers who are responsible for the day-to-day operations of the Fund and who execute policies formulated by the Trustees. Several of the officers and Trustees of the Fund are also officers or Directors of the Adviser, or officers and Directors of the Fund's principal distributor, John Hancock Funds, LLC (prior to February 1, 2002, John Hancock Funds, Inc.) ("John Hancock Funds"). - --------------------------- -------------- ------------ ------------------------------------------------------ ------------- Number of John Hancock Position(s) Trustee/ Funds Name, Address (1) Held with Officer Principal Occupation(s) and other Directorships Overseen by And Age Fund since(2) During Past 5 Years Trustee - --------------------------- -------------- ------------ ------------------------------------------------------ ------------- Independent Trustees - --------------------------- -------------- ------------ ------------------------------------------------------ ------------- Charles L. Ladner Chairman and 2004 Chairman and Trustee, Dunwoody Village, Inc. 49 Born: 1938 Trustee (retirement services) (until 2003); Senior Vice President and Chief Financial Officer, UGI Corporation (public utility holding company) (retired 1998); Vice President and Director for AmeriGas, Inc. (retired 1998); Director of AmeriGas Partners, L.P. (until 1997)(gas distribution); Director, EnergyNorth, Inc. (until 1995); Director, Parks and History Association (since 2001). - --------------------------- -------------- ------------ ------------------------------------------------------ ------------- James F. Carlin Trustee 2004 Chairman and CEO, Alpha Analytical Laboratories 47 Born: 1940 (chemical analysis); Part Owner and Treasurer, Lawrence Carlin Insurance Agency, Inc. (since 1995); Part Owner and Vice President, Mone Lawrence Carlin Insurance Agency, Inc. (since 1996); Director/Treasurer, Rizzo Associates (engineering) (until 2000); Chairman and CEO, Carlin Consolidated, Inc. (management/investments); Director/Partner, Proctor Carlin & Co., Inc. (until 1999); Trustee, Massachusetts Health and Education Tax Exempt Trust; Director of the following: Uno Restaurant Corp. (until 2001), Arbella Mutual (insurance) (until 2000), HealthPlan Services, Inc. (until 1999), Flagship Healthcare, Inc. (until 1999), Carlin Insurance Agency, Inc. (until 1999); Chairman, Massachusetts Board of Higher Education (until 1999). - --------------------------- -------------- ------------ ------------------------------------------------------ -------------
(1) Business address for independent and non-independent Trustees and officers is 101 Huntington Avenue, Boston, Massachusetts 02199. (2) Each Trustee serves until resignation, retirement age or until her or his successor is elected. (3) Non-Independent Trustee: holds positions with the Fund's investment adviser underwriter, and or certain other affiliates. - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Number of John Hancock Position(s) Trustee/ Funds Name, Address (1) Held with Officer Principal Occupation(s) and other Directorships Overseen And Age Fund since(2) During Past 5 Years by Trustee - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Independent Trustees - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Richard P. Chapman, Jr. Trustee 2000 President and Chief Executive Officer, Brookline 39 Born: 1935 Bancorp., Inc. (lending) (since 1972); Chairman and Director, Lumber Insurance Co. (insurance) (until 2000); Chairman and Director, Northeast Retirement Services, Inc. (retirement administration) (since 1998). - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ William J. Cosgrove Trustee 2000 Vice President, Senior Banker and Senior Credit 21 Born: 1933 Officer, Citibank, N.A. (banking) (retired 1991); Executive Vice President, Citadel Group Representatives, Inc. (financial reinsurance) (until 2004); Director, Hudson City Bancorp (banking); Trustee, Scholarship Fund for Inner City Children (since 1986). - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ William H. Cunningham Trustee 2004 Former Chancellor, University of Texas System 47 Born: 1944 and former President of the University of Texas, Austin, Texas; Chairman and CEO, IBT Technologies (until 2001); Director of the following: The University of Texas Investment Management Company (until 2000), Hire.com (until 2004),STC Broadcasting, Inc. and Sunrise Television Corp. (until 2001), Symtx, Inc. (electronic manufacturing) (since 2001), Adorno/Rogers Technology, Inc. (until 2004), Pinnacle Foods Corporation (until 2003), rateGenius (until 2003), Jefferson-Pilot Corporation (diversified life insurance company), New Century Equity Holdings (formerly Billing Concepts) (until 2001), eCertain (until 2001), ClassMap.com (until 2001), Agile Ventures (until 2001), LBJ Foundation (until 2000), Golfsmith International, Inc. (until 2000), Metamor Worldwide (until 2000), AskRed.com (until 2001), Southwest Airlines and Introgen; Advisory Director, Q Investments; Advisory (until 2003); Director, Chase Bank (formerly Texas Commerce Bank - Austin), LIN Television (since 2002), WilTel Communications (until 2003) and Hayes Lemmerz International,Inc. (diversified automotive parts supple company) (since 2003). - ---------------------------- ------------- -------------- -------------------------------------------------- ------------
(1) Business address for independent and non-independent Trustees and officers is 101 Huntington Avenue, Boston, Massachusetts 02199. (2) Each Trustee serves until resignation, retirement age or until her or his successor is elected. (3) Non-Independent Trustee: holds positions with the Fund's investment adviser, underwriter, and or certain other affiliates. - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Number of John Hancock Position(s) Trustee/ Funds Name, Address (1) Held with Officer Principal Occupation(s) and other Directorships Overseen And Age Fund since(2) During Past 5 Years by Trustee - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Ronald R. Dion Trustee 2004 Chairman and Chief Executive Officer, R.M. 47 Born: 1946 Bradley & Co., Inc.; Director, The New England Council and Massachusetts Roundtable; Director, Boston Stock Exchange; Trustee, North Shore Medical Center; Director, BJ's Wholesale Club, Inc. and a corporator of the Eastern Bank; Trustee, Emmanuel College. - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ John A. Moore Trustee 2000 President and Chief Executive Officer, Institute 49 Born: 1939 for Evaluating Health Risks, (nonprofit institution) (until 2001); Senior Scientist, Sciences International (health research)(since 1998);Principal, Hollyhouse (consulting)(since 2000); Director, CIIT(nonprofit research) (since 2002). - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Patti McGill Peterson Trustee 2000 Executive Director, Council for International 49 Born: 1943 Exchange of Scholars and Vice President, Institute of International Education (since 1998); Senior Fellow, Cornell Institute of Public Affairs, Cornell University (until 1997); Former President of Wells College and St. Lawrence University; Director, Niagara Mohawk Power Corporation (until 2003); Director, Ford Foundation, International Fellowships Program (since 2002); Director, Lois Roth Endowment (since 2002); Director, Council for International Exchange (since 2003). - ---------------------------- ------------- -------------- -------------------------------------------------- ------------ Steven Pruchansky Trustee 2004 Chairman and Chief Executive Officer, Mast 47 Born: 1944 Holdings, Inc. (since 2000); Director and President, Mast Holdings, Inc. (until 2000); Managing Director, JonJames, LLC (real estate)(since 2001); Director, First Signature Bank & Trust Company (until 1991); Director, Mast Realty Trust (until 1994); President, Maxwell Building Corp. (until 1991). - ---------------------------- ------------- -------------- -------------------------------------------------- ------------
(1) Business address for independent and non-independent Trustees and officers is 101 Huntington Avenue, Boston, Massachusetts 02199. (2) Each Trustee serves until resignation, retirement age or until her or his successor is elected. (3) Non-Independent Trustee: holds positions with the Fund's investment adviser, underwriter, and or certain other affiliates. - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ Number of John Hancock Position(s) Trustee/ Funds Name, Address (1) Held with Officer Principal Occupation(s) and other Directorships Overseen And Age Fund since(2) During Past 5 Years by Trustee - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ Non-Independent Trustee - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ James A. Shepherdson (3) Trustee, 2004 Executive Vice President, Manulife Financial 49 Born: 1952 President Corporation (since 2004); Chairman, Director, and Chief President and Chief Executive Officer, John Executive Hancock Advisers, LLC (the "Adviser") and The Officer Berkeley Financial Group, LLC ("The Berkeley Group") (holding company); Chairman, Director, President and Chief Executive Officer, John Hancock Funds, LLC.("John Hancock Funds"); Chairman, Director, President and Chief Executive Officer, Sovereign Asset Management Corporation ("SAMCorp."); Director, Chairman and President, NM Capital Management, Inc. (NM Capital); President, John Hancock Retirement Services, John Hancock Life Insurance Company (until 2004); Chairman, Essex Corporation (until 2004); Co-Chief Executive Officer MetLife Investors Group (until 2003); Senior Vice President, AXA/Equitable Insurance Company (until 2000). - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ Principal Officers who are not Trustees - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ William H. King Vice 2000 Vice President and Assistant Treasurer, the N/A Born: 1952 President Adviser; Vice President and Treasurer of each of and Treasurer the John Hancock funds; Assistant Treasurer of each of the John Hancock funds (until 2001). - --------------------------- -------------- ------------ ---------------------------------------------------- ------------
(1) Business address for independent and non-independent Trustees and officers is 101 Huntington Avenue, Boston, Massachusetts 02199. (2) Each Trustee serves until resignation, retirement age or until her or his successor is elected. (3) Non-Independent Trustee: holds positions with the Fund's investment adviser, underwriter, and or certain other affiliates. - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ Number of John Hancock Position(s) Trustee/ Funds Name, Address (1) Held with Officer Principal Occupation(s) and other Directorships Overseen And Age Fund since(2) During Past 5 Years by Trustee - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ - --------------------------- -------------- ------------ ---------------------------------------------------- ------------ Susan S. Newton Senior Vice 2000 Senior Vice President, Secretary and Chief Legal N/A Born: 1950 President, Officer, SAMCorp., the Adviser and each of the Secretary John Hancock funds, John Hancock Funds and The and Chief Berkeley Group; Vice President, Signature Services Legal Officer (until 2000), Director, Senior Vice President and Secretary, NM Capital. - --------------------------- -------------- ------------ ---------------------------------------------------- ------------
(1) Business address for independent and non-independent Trustees and officers is 101 Huntington Avenue, Boston, Massachusetts 02199. (2) Each Trustee serves until resignation, retirement age or until her or his successor is elected. (3) Non-Independent Trustee: holds positions with the Fund's investment adviser, underwriter, and or certain other affiliates. The Fund's Board of Trustees currently has four standing Committees: the Audit Committee, the Administration Committee, the Contracts/Operations Committee and the Investment Performance Committee. Each Committee is comprised of Independent Trustees who are not "interested persons." The Audit Committee members are Messrs. Chapman, Ladner, Pruchansky and Ms. McGill Peterson. All of the members of the Audit Committee are independent under the New York Stock Exchange's Revised Listing Rules and each member is financially literate with at least one having accounting or financial management expertise. The Board has adopted a written charter for the Audit Committee. The Audit Committee recommends to the full board auditors for the Fund, monitors and oversees the audits of the Fund, communicates with both independent auditors and internal auditors on a regular basis and provides a forum for the auditors to report and discuss any matters they deem appropriate at any time. The Audit Committee held four meetings during the fiscal year ended October 31, 2004. The Administration Committee members are all of the independent Trustees. The Administration Committee reviews the activities of the other four standing committees and makes the final selection and nomination of candidates to serve as Independent Trustees. All members of the Administration Committee are independent under the New York Stock Exchange's Revised Listing Rules and are not interested persons, as defined in the 1940 Act, of John Hancock or the Fund (the "Independent Trustees"). Among other things, the Administration Committee acts as a nominating committee of the Board. The Trustees who are not Independent Trustees and the officers of the Fund are nominated and selected by the Board. The Administration Committee does not have at this time formal criteria for the qualifications of candidates to serve as an Independent Trustee, although the Administration Committee may develop them in the future. In reviewing a potential nominee and in evaluating the renomination of current Independent Trustees, the Administration Committee expects to apply the following criteria: (i) the nominee's reputation for integrity, honesty and adherence to high ethical standards, (ii) the nominee's business acumen, experience and ability to exercise sound judgments, (iii) a commitment to understand the Fund and the responsibilities of a trustee of an investment company, (iv) a commitment to regularly attend and participate in meetings of the Board and its committees, (v) the ability to understand potential conflicts of interest involving management of the Fund and to act in the interests of all shareholders, and (vi) the absence of a real or apparent conflict of interest that would impair the nominee's ability to represent the interests of all the shareholders and to fulfill the responsibilities of an Independent Trustee. The Administration Committee does not necessarily place the same emphasis on each criteria and each nominee may not have each of these qualities. The Administration Committee does not discriminate on the basis of race, religion, national origin, sex, sexual orientation, disability or any other basis proscribed by law. The Administration Committee held four meetings during the fiscal year ended October 31, 2004. As long as an existing Independent Trustee continues, in the opinion of the Administration Committee, to satisfy these criteria, the Fund anticipates that the Committee would favor the renomination of an existing Trustee rather than a new candidate. Consequently, while the Administration Committee will consider nominees recommended by shareholders to serve as trustees, the Administration Committee may only act upon such recommendations if there is a vacancy on the Board or the Administration Committee determines that the selection of a new or additional Independent Trustee is in the best interests of the Fund. In the event that a vacancy arises or a change in Board membership is determined to be advisable, the Administration Committee will, in addition to any shareholder recommendations, consider candidates identified by other means, including candidates proposed by members of the Administration Committee. While it has not done so in the past, the Administration Committee may retain a consultant to assist the Committee in a search for a qualified candidate. Any shareholder recommendation must be submitted in compliance with all of the pertinent provisions of Rule 14a-8 under the Securities Exchange Act of 1934, as amended, to be considered by the Administration Committee. In evaluating a nominee recommended by a shareholder, the Administration Committee, in addition to the criteria discussed above, may consider the objectives of the shareholder in submitting that nomination and whether such objectives are consistent with the interests of all shareholders. If the Board determines to include a shareholder's candidate among the slate of nominees, the candidate's name will be placed on the Fund's proxy card. If the Administration Committee or the Board determines not to include such candidate among the Board's designated nominees and the shareholder has satisfied the requirements of Rule 14a-8, the shareholder's candidate will be treated as a nominee of the shareholder who originally nominated the candidate. In that case, the candidate will not be named on the proxy card distributed with the Fund's proxy statement. Shareholders may communicate with the members of the Board as a group or individually. Any such communication should be sent to the Board or an individual Trustee c/o the secretary of the Fund at the following address: 101 Huntington Avenue, Boston, MA. 02199. The Secretary may determine not to forward any letter to the members of the Board that does not relate to the business of the Fund. The Contracts/Operations Committee members are Messrs. Carlin, Cosgrove, Cunningham, Dion and Moore. The Contracts/Operations Committee oversees the initiation, operation, and renewal of contracts between the Fund and other entities. These contracts include advisory and subadvisory agreements, custodial and transfer agency agreements and arrangements with other service providers. The Contracts/Operations Committee held five meetings during the fiscal year ended October 31, 2004. The Investment Performance Committee members are all of the independent Trustees. The Investment Performance Committee monitors and analyzes the performance of the Fund generally, consults with the adviser as necessary if the Fund requires special attention, and reviews peer groups and other comparative standards as necessary. The Investment Performance Committee held four meetings during the fiscal year ended October 31, 2004. The following table provides a dollar range indicating each Trustee's ownership of equity securities of the Fund, as well as aggregate holdings of shares of equity securities of all funds in the John Hancock Fund Complex overseen by the Trustee, as of December 31, 2003. - ----------------------------------- ---------------------------------- -------------------------------------- Aggregate Dollar Range of holdings Dollar Range of Fund Shares in John Hancock funds overseen by Name of Trustee Owned by Trustee (1) Trustee (1) - ----------------------------------- ---------------------------------- -------------------------------------- Independent Trustees - ----------------------------------- ---------------------------------- -------------------------------------- James F. Carlin++ $1-10,000 Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- Richard P. Chapman, Jr. none Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- William J. Cosgrove none Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- William H. Cunningham++ none $10,001-50,000 - ----------------------------------- ---------------------------------- -------------------------------------- Ronald R. Dion++ none Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- Charles L. Ladner $1-10,000 Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- Dr. John A. Moore $1-10,000 Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- Patti McGill Peterson $1-10,000 Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- Steven R. Pruchansky++ $1-10,000 Over 100,000 - ----------------------------------- ---------------------------------- -------------------------------------- Non-Independent Trustees - ----------------------------------- ---------------------------------- -------------------------------------- James A. Shepherdson $1-10,000 $10,001-50,000 - ----------------------------------- ---------------------------------- --------------------------------------
++ Messrs. Carlin, Cunningham, Dion and Pruchansky each became a Trustee on December 1, 2004. (1) This Fund does participate in the John Hancock Deferred Compensation Plan for Independent Trustees (the "Plan"). Under the Plan, an Independent Trustee may defer his fees by electing to have the Adviser invest his fees in one of the funds in the John Hancock complex that participates in the Plan. Under these circumstances, the Trustee is not the legal owner of the underlying shares, but does participate in any positive or negative return on those shares to the same extent as all other shareholders. With regard to Trustees participating in the Plan, if a Trustee was deemed to own the shares used in computing the value of his deferred compensation, as of December 31, 2003, the respective "Dollar Range of Fund Shares Owned by Trustee" and the "Aggregate Dollar Range of holdings in John Hancock funds overseen by Trustee" would be as follows: none and over $100,000 for Mr. Chapman, none and over $100,000 for Mr. Cosgrove, over $100,000 and over $100,000 for Mr. Cunningham, none and $100,000 for Mr. Dion, $1-10,000 and over $100,000 for Mr. Moore and $1-10,000 and over $100,000 for Mr. Pruchansky. The following table provides information regarding the compensation paid by the Fund and the other investment companies in the John Hancock Fund Complex to the Independent Trustees for their services. Any Non-Independent Trustee, and each of the officers of the Fund who are interested persons of the Adviser, are compensated by the Adviser and/or affiliates and receive no compensation from the Fund for their services. Aggregate Compensation Total Compensation From the Fund and John Hancock Independent Trustees from the Fund (1) Fund Complex to Trustees (2) - -------------------- ----------------- ---------------------------- Dennis J. Aronowitz+ $ 1,538 $ 72,250 James F. Carlin++ 0 76,250 Richard P. Chapman, Jr.* 1,697 79,000 William J. Cosgrove* 1,692 79,500 William H. Cunningham*++ 0 74,250 Ronald R. Dion*++ 0 77,250 Richard A. Farrell+ 1,687 79,250 William F. Glavin*+ 1,597 74,250 Charles L. Ladner++ 0 78,000 Dr. John A. Moore* 1,242 74,000 Patti McGill Peterson 1,177 72,750 John Pratt+ 1,628 76,500 Steven R. Pruchansky*++ 0 79,250 ------------ ---------- Total $12,258 $992,500
(1) Compensation is for the fiscal year ending October 31, 2003. (2) Total compensation paid by the John Hancock Funds Complex to the Independent Trustees is as of December 31, 2003. As of this date, there were forty nine funds in the John Hancock Fund Complex, with Dr. Moore and Ms. Peterson serving on 30 funds and each of the other Independent Trustees serving on twenty funds. *As of December 31, 2003, the value of the aggregate accrued deferred compensation amount from all funds in the John Hancock Funds Complex for Mr. Chapman was $63,573, Mr. Cosgrove was $210,257, for Mr. Cunningham was $563,218, for Mr. Dion was $193,220, for Mr. Glavin was $306,646 and for Dr. Moore was $248,464 and Mr. Pruchansky was $150,981 under the John Hancock Group of Funds Deferred Compensation Plan for Independent Trustees (the "Plan"). + As of December 1, 2004, Messrs. Aronowitz, Farrell, Glavin and Pratt retired from the Fund. ++ Messrs. Carlin, Cunningham, Dion and Pruchansky became a Trustee on December 1, 2004. Mr. Ladner became Chairman and Trustee on June 16, 2004. All of the officers listed are officers or employees of the Adviser or Affiliated Companies. Some of the Trustees and officers may also be officers or Trustees of one or more of the other funds for which the Adviser serves as investment adviser. As of February 3, 2004, the officers and Trustees of the Fund as a group beneficially owned les than 1% of the outstanding shares of the Fund. As of that date, the following shareholders beneficially owned 5% or more of the outstanding shares of the Fund. - ------------------------------------------------- ---------- ------------ ------------ Name and Address of Owners of More than 5% of Class A Class B Class C Shares - ------------------------------------------------- ---------- ------------ ------------ MLPF&S For The Sole 6.55% 24.97% 22.78% Benefit of Its Customers Attn Fund Administration 4800 Deer Lake Drive East 2nd Fl Jacksonville FL 32246-6484 - ------------------------------------------------- ---------- ------------ ------------
December 1, 2004 -----END PRIVACY-ENHANCED MESSAGE-----