<PAGE>
FUND PROFILE
May 1, 1999
T. Rowe Price Spectrum Funds
Three broadly diversified funds composed of other T. Rowe Price funds, one
investing primarily in fixed income securities, one in stocks, and one in
international securities.
This profile summarizes key information about each fund that is included in
each fund's prospectus. The fund's prospectus includes additional information
about the fund, including a more detailed description of the risks associated
with investing in the fund that you may want to consider before you invest. You
may obtain the prospectus and other information about each fund at no cost by
calling 1-800-638-5660, or by visiting our Web site at www.troweprice.com.
1. What is each fund's objective?
Spectrum Income Fund Seeks a high level of current income with moderate
share price fluctuation.
Spectrum Growth Fund Seeks long-term capital appreciation and growth of
income, with current income a secondary objective.
Spectrum International Fund Seeks long-term capital appreciation.
2. What is each fund's principal investment strategy?
Each fund can diversify its assets widely among a set of T. Rowe Price funds
representing specific market segments. Each Spectrum Fund seeks to maintain
broad exposure to several markets in an attempt to reduce the impact of
markets that are declining and to benefit from good performance in particular
market segments.
<PAGE>
Spectrum Income may invest in five domestic bond funds, two international
bond funds, a money market fund, and one income-oriented stock fund.
Spectrum Growth may invest in seven domestic equity funds, one international
stock fund, and a money market fund.
Spectrum International may invest in four developed market equity funds,
three emerging markets equity funds, two international bond funds, and a
money market fund.
Within the ranges shown in the accompanying table, managers decide how much
of each fund's assets to allocate to underlying fund investments based on
their outlook for, and on the relative valuations of, the underlying funds
and the various markets in which they invest.
Each fund may sell securities for a variety of reasons, such as to secure
gains, limit losses, or redeploy assets into more promising opportunities.
<TABLE>
Asset Allocation Ranges for Underlying Funds
<CAPTION>
<S> <C> <S> <C> <S
S
Spectrum Spectrum I
Income Fund Growth Fund F
E
M
Emerging Markets Bond -10% Mid-Cap Value 0-15% B
L
Short-Term Bond 0 -15 New Era 0-15 A
E
M
U.S. Treasury Long-Term 0 -15 Blue Chip Growth 5-20 S
I
GNMA 5 -20 Growth Stock 5-20 B
N
International Bond 5 -20 Summit Cash Reserves 0-25 A
S
C
Summit Cash Reserves 0 -25 Prime Reserve 0-25 R
P
Prime Reserve 0 -25 Equity Income 7.5-22.5 R
E
Equity Income -25 Growth & Income 7.5-22.5 S
High Yield 10 -25 International Stock 10-25 J
New Income 15 -30 New Horizons 10-25 I
S
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</TABLE>
Further information about each fund's investments, including a review of
market conditions and fund strategies and their impact on performance, is
available in the annual and semiannual shareholder reports. To obtain free
copies of any of these documents, call 1-800-638-5660.
3. What are the main risks of investing in the funds?
Each Spectrum Fund's broad diversification is designed to cushion severe
losses in any one investment sector and moderate the fund's overall price
swings. However, the funds' share prices will fluctuate as the prices of the
underlying funds rise or fall with changing market conditions. Spectrum
Income should experience lower price volatility than the equity-focused
funds, Spectrum Growth and Spectrum International. Each fund carries some
particular risk considerations:
<PAGE>
Spectrum Income
This fund's share price will typically move in the opposite direction of U.S.
interest rates, so a rise in rates, or interest rate risk, represents the
most important source of risk. There is also exposure to credit risk:
corporate bond holdings in the underlying funds may have their credit ratings
downgraded or they may default. Such events could reduce the fund's share
price and income level. Credit risk for the fund increases to the extent it
invests in high-yield ("junk") bonds, primarily through the High Yield Fund.
The fund is exposed to the risks of international investing to the extent it
invests overseas, primarily through the International Bond Fund. For example,
weakening foreign currencies versus the U.S. dollar would typically reduce
returns from bonds denominated in other currencies. In addition, emerging
market bonds are subject to the special political and economic risks of these
newly industrialized countries. To the extent that Spectrum Income invests in
stocks through the Equity Income Fund, its share price would be hurt by stock
market declines.
Spectrum Growth
As with all equity funds, this fund's share price can fall because of
weakness in the broad market, a particular industry, or specific holdings.
The market as a whole can decline for many reasons, including adverse
political or economic developments here or abroad, changes in investor
psychology, or heavy institutional selling. The prospects for an industry or
company may deteriorate because of a variety of factors, including
disappointing earnings or changes in the competitive environment. In
addition, our assessment of companies held in the fund may prove incorrect,
resulting in losses or poor performance even in a rising market.
In addition to the general stock market risks assumed by all funds held in
this portfolio, certain underlying holdings carry additional risks. The
fund's investments in small companies, primarily through the New Horizons
Fund, may experience greater price swings than its investments in funds
holding larger stocks. To the extent the fund invests in foreign securities,
primarily through the International Stock Fund, it is also subject to the
risk that it may lose value due to declining foreign currencies or adverse
political or economic events overseas.
Spectrum International
This fund is subject to the general stock and bond market risks noted
previously. Because it can only invest up to 35% of assets in foreign bond
funds, its performance will primarily be influenced by stock fund risks.
Funds that invest overseas generally carry more risk than funds that invest
strictly in U.S. assets. These risks include fluctuations in foreign exchange
rates that can significantly increase or decrease the dollar value of a
foreign investment, boosting or offsetting its local market return. For
example, weakening foreign currencies versus the U.S. dollar would typically
lower returns for U.S. investors. Investing in foreign mar-
<PAGE>
kets may also involve higher costs and lower liquidity. Acts of government
interfering in capital markets, such as capital or currency controls,
nationalization of companies or industries, expropriation of assets, or
imposition of punitive taxes would have an adverse effect on the fund.
To the extent that the fund has investments in emerging market countries,
primarily through the Emerging Markets Stock, Latin America, or New Asia
Funds, it will be more subject to abrupt and severe price declines. Many of
the economic and political structures of these countries do not compare
favorably with the U.S. in terms of wealth and stability, and their financial
markets lack liquidity. Therefore, investments in these countries are much
riskier than investments in mature markets.
As with any mutual fund, there can be no guarantee the funds will achieve
their objectives.
. Each fund's share price may decline, so when you sell your shares, you may
lose money. An investment in the funds is not a deposit of a bank and is not
insured or guaranteed by the Federal Deposit Insurance Corporation or any
other government agency.
4. How can I tell which fund is most appropriate for me?
Consider your investment goals, your time horizon for achieving them, and
your tolerance for risk.
If you would like a one-stop approach to broad diversification and can accept
the possibility of moderate share price declines in an effort to achieve
relatively high income, Spectrum Income Fund could be an appropriate part of
your overall investment strategy.
If you would like a one-stop approach to broad diversification and can accept
the possibility of share price declines in an effort to achieve long-term
capital appreciation, Spectrum Growth Fund could be an appropriate part of
your overall investment strategy.
If you would like a one-stop approach to broad international diversification
and can accept the possibility of significant share price declines in an
effort to achieve long-term capital appreciation, Spectrum International Fund
could be an appropriate part of your overall investment strategy.
The fund or funds you select should not represent your complete investment
program or be used for short-term trading purposes.
Each fund can be used in both regular and tax-deferred accounts, such as
IRAs.
. Equity investors should have a long-term investment horizon and be willing
to wait out bear markets.
<PAGE>
5. How has each fund performed in the past?
The bar charts and the average annual total return table indicate risk by
illustrating how much returns can differ from one year to the next. Each
fund's past performance is no guarantee of its future returns.
<TABLE>
Spectrum Income Fund
Calendar Year Total
Returns
<CAPTION>
<S> <C>
1991 19.64%
1992 7.84
1993 12.36
1994 -1.94
1995 19.41
1996 7.64
1997 12.18
1998 6.57
----------------------------------------------------------------------------
</TABLE>
<TABLE>
Spectrum Growth Fund
Calendar Year Total
Returns
<CAPTION>
<S> <C>
1991 29.87%
1992 7.24
1993 20.98
1994 1.40
1995 29.96
1996 20.53
1997 17.40
1998 13.62
---------------------------------
</TABLE>
<TABLE>
Spectrum International
Fund
Calendar Year Total
Returns
<CAPTION>
<S> <C>
1997 2.42%
1998 12.28
-----------------------------------
</TABLE>
The funds can also experience short-term performance swings, as shown below:
<TABLE>
<CAPTION>
Fund Quarter Ended Total Return
----------------------------------------------------------------------------------------------------------
<S> <S> <C>
Spectrum Income
Best quarter 3/31/95 6.56%
Worst quarter 3/31/94 -2.63
Spectrum Growth
Best quarter 12/31/98 18.61%
Worst quarter 9/30/90 -16.50
Spectrum International
Best quarter 12/31/98 18.22%
Worst quarter 9/30/98 -13.71
</TABLE>
<PAGE>
<TABLE>
Average Annual Total Returns
<CAPTION>
Periods ended December 31, 1998
Shorter of
10 years or Inception
One year Five years since inception date
--------------------------------------------------------------------------------
<S> <C> <C> <C> <S> <S>
Spectrum Income Fund 6.57% 8.55% 9.96% 6/29/90
Salomon Smith Barney
Broad
Investment-Grade
Index 8.71 7.29 8.92
Spectrum Growth Fund 13.62 16.20 14.70 6/29/90
S&P 500 Stock Index 28.57 24.06 18.61
Spectrum
International Fund 12.28 -- 7.24 12/31/96
Combined Index (90%
MSCI EAFE, 10% J.P.
Morgan Non-U.S.Dollar
Government Bond 20.40 -- 10.59
Index)
--------------------------------------------------------------------------------
</TABLE>
These figures include changes in principal value, reinvested dividends, and
capital gain distributions, if any.
6. What fees or expenses will I pay?
The funds are 100% no load. There are no fees or charges to buy or sell fund
shares, reinvest dividends, or exchange into other T. Rowe Price funds. There
are no 12b-1 fees. While the funds themselves impose no fees or charges, they
will indirectly bear their pro-rata share of the expenses of the underlying
funds. The following table provides a range of average weighted expense
ratios for each fund. A range is given instead of a single number because the
pro-rata share of expenses fluctuates along with changes in the average
assets in each of the underlying funds.
<TABLE>
<CAPTION>
<S> <C> <C>
Spectrum Income Spectrum Growth Spectrum International
0.66% to 0.84% 0.71% to 0.89% 0.79% to 1.31%
------------------------------------------------------------
</TABLE>
Example. The following table gives you a rough idea of how expense ratios
may translate into dollars and helps you to compare the cost of investing in
this fund with that of other funds. Although your actual costs may be higher
or lower, the table below uses the midpoint of the above ranges to show the
expenses you would pay if operating expenses remain the same, you invest
$10,000, you earn a 5% annual return, and you hold the investment for the
following periods:
<TABLE>
<CAPTION>
Fund 1 year 3 years 5 years 10 years
<S> <C> <C> <C> <C>
Spectrum Income $ 77 $240 $417 $ 930
Spectrum Growth 82 255 444 990
Spectrum International 107 334 579 1,283
-----------------------------------------------------------------
</TABLE>
<PAGE>
7. Who manages the funds?
Spectrum Income and Spectrum Growth Funds The funds are managed by T. Rowe
Price Associates. Founded in 1937, T. Rowe Price and its affiliates manage
investments for individual and institutional accounts. The company offers a
comprehensive array of stock, bond, and money market funds directly to the
investing public.
Edmund M. Notzon manages the funds day-to-day and has been chairman of their
committee since 1998. He joined T. Rowe Price in 1989 and has been managing
investments since 1989.
Spectrum International Fund The fund is managed by Rowe Price-Fleming
International, Inc., which was incorporated in Maryland in 1979. John R. Ford
manages the fund day-to-day and has been chairman of the committee since
1996. He joined Price-Fleming in 1982 and has 18 years of experience in
managing investments.
The following questions and answers about buying and selling shares and
services do not apply to employer-sponsored retirement plans. If you are a
participant in one of these plans, please call your plan's toll-free number
for additional information.
8. How can I purchase shares?
Fill out and return a New Account Form in the postpaid envelope, along with
your check. The minimum initial purchase is $2,500 ($1,000 for IRAs and gifts
or transfers to minors) or $50 if investing through Automatic Asset Builder.
The minimum subsequent investment is $100 ($50 for IRAs, gifts or transfers
to minors, or Automatic Asset Builder). You can also open an account by bank
wire, by exchanging from another T. Rowe Price fund, or by transferring
assets from another financial institution.
9. How can I sell shares?
You may redeem or sell any portion of your regular or IRA account on any
business day. Simply write to us or call. You can also access your account at
any time via Tele*Access /(R)/ or our Web site. We offer free exchange among
our entire family of domestic and international funds. Restrictions may apply
in special circumstances, and some redemption requests need a signature
guarantee. A $5 fee is charged for wire redemptions under $5,000.
10. When will I receive income and capital gain distributions?
Spectrum Income distributes income monthly and net capital gains, if any, at
year-end. Spectrum Growth and Spectrum International usually distribute
income and net capital gains, if any, at year-end. For regular accounts,
income and short-term gains are taxable at ordinary income rates, and
long-term gains are taxable at the capital gains rate. Distributions are
reinvested automatically in additional shares unless you choose another
option, such as receiving a check.
<PAGE>
Distributions paid to IRAs and employer-sponsored retirement plans are
automatically reinvested.
11. What services are available?
A wide range, including but not limited to:
. retirement plans for individuals and large and small businesses;
. automated information and transaction services by telephone or computer;
. electronic transfers between fund and bank accounts;
. automatic investing and automatic exchange;
. brokerage services; and
. asset manager accounts.
<PAGE>
To Open a Mutual Fund, Asset Manager, or Brokerage Account
Investor Services
1-800-638-5660
For Information on Existing Accounts
Shareholder Services
1-800-225-5132
For Yields and Prices and Account Transactions
Tele*Access/(R)/
1-800-638-2587 24 hours, 7 days
For Fund Information and Account Transactions on the Internet
www.troweprice.com
Investor Centers
101 East Lombard St. Baltimore, MD 21202
T. Rowe Price Financial Center 10090 Red Run Blvd. Owings Mills, MD 21117
Farragut Square 900 17th Street, N.W. Washington, D.C. 20006
ARCO Tower 31st Floor 515 South Flower St. Los Angeles, CA 90071
4200 West Cypress St. 10th Floor Tampa, FL 33607
Headquarters
100 East Pratt Street Baltimore, MD 21202
<PAGE>
NEW ACCOUNT FORM (LOGO)
You may purchase shares of a T. Rowe Price fund after
reviewing the information in the profile or after requesting
and reviewing the fund's prospectus (and other information).
Please note: an IRA will not be established using this form.
If you want to open an IRA, call 1-800-638-5660 to request
an IRA New Account Form.
Mail this form to: T. Rowe Price
P.O. Box 17300, Baltimore, MD 21298-9353
For help with this form, call toll free 1-800-638-5660.
Please do not remove the mailing label from this form.
1 PROVIDE YOUR TAX IDENTIFICATION NUMBER
Owner's or Minor's Social Security or Tax ID Number
(Use Minor's Social Security Number for Custodial Account)
_ _ _ _ _ _ _ _ _
Joint Owner's or Custodian's Social Security or Tax ID Number
_ _ _ _ _ _ _ _ _
2 DESIGNATE TYPE OF ACCOUNT AND OWNER NAME(S)
Please print in CAPITAL LETTERS. Choose one:
__ Individual or Joint Account.*
*Joint tenancy with right of survivorship unless you instruct otherwise.
Owner's Name (First, Middle Initial, Last)
________________________________
Title: Mr. Ms. Mrs. Dr.
Joint Owner's Name (First, Middle Initial, Last)
________________________________
Title: Mr. Ms. Mrs. Dr.
__ Custodial Account.
Uniform Gift or Transfer to Minors Act (UGMA or UTMA)
Custodian's Name (First, Middle Initial, Last)
________________________________
Minor's Name (First, Middle Initial, Last)
________________________________
State of Residence (Minor's or Custodian's)
________________________________
__ Trust, Corporation, Business, or Other Entity Account.*
*Please attach the first and last pages of the trust agreement or a copy
of
the corporate resolution.
Name of Trust, Corporation, or Other Entity
_________________________________________________________
Trustee Names or Type of Entity
________________________________________________________
<PAGE>
Name of Trust Beneficiary (Optional) Date of Trust Agreement
________________ __-__-__
month day year
__ Check this box if your organization is incorporated or tax-exempt under
Section 501(a) of the Internal Revenue Code, a qualified retirement plan
under Section 401(a), or a custodial account under Section 403(b)(7),
and
you DO NOT want us to file information returns on your behalf.
3 PROVIDE YOUR ADDRESS
Street Address or P.O. Box
__________________________________________________
__________________________________________________
City State
____________________ __
ZIP Code
_ _ _ _ _ - _ _ _ _
4 PROVIDE OTHER ACCOUNT DATA
Daytime Phone Ext.
_ _ _ _ _ _ - _ _ _ _ _ _ _ _
Evening Phone Ext.
_ _ _ _ _ _ - _ _ _ _ _ _ _ _
Date of Birth (Owner/Minor)
Date of Birth (Joint Owner/Custodian)
_ _ - _ _ - _ _ _ _ - _ _ - _ _
month day year month day year
__ U.S. Citizen __ Resident Alien
__ Nonresident Alien. My permanent foreign address for tax purposes is:
_____________________________________
_____________________________________
Owner's Occupation / Employer Name (Optional)
_____________________________________
Employer Address (Optional)
__________________________________________________________________________
5 SELECT YOUR FUND(S)
Please print the fund name(s) exactly as listed inside the Investment Kit you
received with this form. Fill in the amount of your investment for each fund.
The minimum initial investment is $2,500 per fund ($1,000 for UGMAs/UTMAs)
but is waived if you use Automatic Asset Builder (see Sections 6 and 7E).
Fund Name Amount
__________________________________ $________
Fund Name Amount
__________________________________ $________
Fund Name Amount
__________________________________ $________
<PAGE>
Fund Name Amount
__________________________________ $________
Total Investment$________
6 CHOOSE YOUR INVESTMENT METHOD
A. __ By check.
Make payable to T. Rowe Price Funds. (Otherwise it may be returned.)
B. __ By Automatic Asset Builder.
See Section 7E for instructions.
C. __ By wire.
Please call 1-800-225-5132 for the following information and wiring
instructions:
Account Number
_ _ _ _ _ _ _ _ _ _ - _
Date of Wire
_ _ - _ _ - _ _
month day year
(over, please)
7 SELECT YOUR ACCOUNT SERVICE OPTIONS
A. TO RECEIVE YOUR DISTRIBUTIONS
Your dividends and capital gains will be reinvested unless you indicate
------
otherwise.
__ Pay dividends and capital gains to me by check.
__ Transfer dividends and capital gains to my bank account.
(Please complete Section 7C if you elect this option.)
__ Pay dividends to me by check and reinvest capital gains.
B. TO EXCHANGE AND REDEEM FUND SHARES
You can use the telephone or your personal computer to check your account
balance, redeem shares, or make exchanges among any identically registered
accounts unless you check the boxes below.
------
__ I do NOT want telephone/computer exchange.
__ I do NOT want telephone/computer redemption.
C. TO MAKE TRANSFERS BETWEEN YOUR BANK AND T. ROWE PRICE
This service makes purchasing or redeeming fund shares even more convenient.
Simply call a T. Rowe Price representative or Tele*Access (R) and your
transaction
will be processed by electronically moving money between your bank
account and your mutual fund accounts.
Transfers occur only when you initiate them ($100 minimum) and are made
through the Automated Clearing House (ACH) network or by wire.* This service
becomes available approximately 20 days after your application is
processed. Since you initiate transfers by phone or computer, be sure that
you did not decline the phone/computer redemption service above.
<PAGE>
__ Check this box to set up this service. YOU MUST ALSO ATTACH A BLANK,
VOIDED CHECK (other than your investment check) from your bank
account to this form.
Any co-owner of your bank account who is not a co-owner of
---
your mutual fund account must sign below.
X___________________________________________
Bank Account Co-owner's Signature
*There is a $5 fee for wire redemptions under $5,000 but no fee for ACH
transactions.
ATTACH VOIDED CHECK HERE
D. TO SET UP CHECKWRITING
You can write checks for $500 or more on all T. Rowe Price money market and
bond fund accounts (except the High Yield and Emerging Markets Bond funds).
Those authorized to write checks should read the checking agreement and sign
below.
By signing this form, I agree to all of State Street Bank's checking account
rules, and to any conditions and limitations on redeeming checks from the
T. Rowe Price Funds. I also agree that:
(1) This form applies to any other identically registered T. Rowe Price
fund checking account I establish later;
(2) If I am subject to IRS backup withholding, I may write checks only on
money fund accounts;
(3) State Street Bank and the Fund reserve the right to change, revoke, or
close any checking account;
(4) The signatures are authentic, and, for organizations, I have submitted
an original or certified resolution authorizing the individuals with legal
capacity to sign and act on behalf of the organization.
(Do not detach this section from the rest of the form.)
_____________________________________________________
Fund Name Fund Name
_____________________________________________________
Print Name of Owner, Custodian, or Trustee
X___________________________________________________
Signature Date
_____________________________________________________
Print Name of Joint Owner, Co-trustee, Corporate Officer, etc.
X___________________________________________________
Signature Date
How many signatures do you require on checks?
__ Only one owner __ All owners
G00-008 6/30/98
<PAGE>
E. TO SET UP AUTOMATIC ASSET BUILDER
This service allows you to automatically invest in your fund account through
your
bank account and/or payroll deduction each month (minimum $50 per fund).
___ Check this box to invest from your bank account.
Be sure to complete Section 7C and fill in the information below.
Fund Name
__________________________________________________________________________
Amount Day of Month You Would Like to Invest
__________________________________ ____
Fund Name
__________________________________________________________________________
Amount Day of Month You Would Like to Invest
_____________________ ___
Fund Name
__________________________________________________________________________
Amount Day of Month You Would Like to Invest
_____________________ ___
Fund Name
__________________________________________________________________________
Amount Day of Month You Would Like to Invest
_____________________ ___
____ Check this box to invest through payroll deduction.
T. Rowe Price will mail you instructions for this service.
8 SIGN YOUR NEW ACCOUNT FORM
By signing this form, I certify that:
- - I agree to be bound by the terms of the prospectus for each fund in which
I am investing. If I am purchasing shares after reviewing a fund profile, I
understand that I will receive the prospectus after I purchase shares in the
fund. I have the authority and legal capacity to purchase mutual fund shares,
am of legal age in my state, and believe each investment is suitable for me.
- - I authorize T. Rowe Price, the Funds, their affiliates and agents to act on
any
instructions believed to be genuine for any service authorized on this form,
including telephone/computer services. The Funds use reasonable procedures
(including shareholder identity verification) to confirm that instructions
given by telephone/computer are genuine, and the Funds are not liable for
acting on these instructions. (If these procedures are not followed, it is the
opinion of certain regulatory agencies that the Funds may be liable for any
loss that may result from acting on instructions given.) I understand that
anyone who can properly identify my account(s) can make phone/computer
transactions on my behalf.
- - The Funds can redeem shares from my account(s) to reimburse a fund for
any loss due to nonpayment or other indebtedness.
<PAGE>
- - By selecting the electronic transfer service in Section 7C, I hereby authorize
T. Rowe Price to initiate credit and debit entries to my (our) account at the
Financial Institution indicated and for the Financial Institution to credit or
debit the same to such account through the Automated Clearing House
(ACH) system, subject to the rules of the Financial Institution, ACH, and the
Fund. T. Rowe Price may correct any transaction error with a debit or credit
to my Financial Institution account and/or Fund account. THIS AUTHORIZATION,
including any credit or debit entries initiated thereunder, is in full
force and effect until I notify T. Rowe Price of its revocation by telephone
or in writing and T. Rowe Price has had sufficient time to act on it.
- - Under penalties of perjury, the tax identification number(s) shown on
this form is correct. If I fail to give the correct number or fail to sign this
form, T. Rowe Price may reject, restrict, or redeem my investment. I may
also be subject to IRS backup withholding (currently 31%) on all
distributions and redemptions, and I may be subject to a $50 IRS penalty.
- - Under penalties of perjury, I am NOT subject to IRS backup withholding
because 1) I have not been notified, or 2) notification has been revoked
(cross out "NOT" if you are currently subject to withholding), or 3) I have
indicated in Section 4 that I am a nonresident alien and certify that for
dividends I am not a U.S. citizen or resident (or I am filing for a foreign
corporation, partnership, estate, or trust).
- - For clarification on any of these certification issues, please contact us for
assistance.
- - The IRS does not require your consent to any provision of this document
other than the certifications required to avoid backup withholding.
PLEASE SIGN HERE
X__________________________________________________
Signature of Owner, Custodian, or Trustee Date
X__________________________________________________
Signature of Joint Owner, Co-trustee, Corporate Officer, etc. Date
Thank you for your investment. You will receive a confirmation shortly.
8
0142
<PAGE>
