[INVESTORS BANK & TRUST COMPANY]
May 3, 2000
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, DC 20549
Re: X.com Funds
File Nos. 333-80205 and 811-09381
Dear Sir or Madam:
Pursuant to Rule 497(j) of the Securities Act of 1933, as amended, and on
behalf of X.com Funds (the "Fund"), the undersigned certifies that (i) the form
of the Fund's Prospectus and Statement of Additional Information, both dated
May 1, 2000, do not differ from those contained in Post-Effective Amendment
("PEA") No. 3, the most recent amendment to the Fund's Registration Statement,
on Form N-1A, which became effective with the Securities and Exchange
Commission on May 1, 2000, and (ii) the text of PEA No. 3 was filed
electronically, via EDGAR, on April 26, 2000.
Please direct any comments to the undersigned at 617-330-6413.
Sincerely,
/s/Susan C. Mosher
Susan C. Mosher
cc: John T. Story
